Continue to lay a solid business foundation, intensify technological upgrading and product innovation, and promote the rapid development of credit card business. Specifically, it includes: continuously optimizing the customer base structure, improving the whole process management of scene acquisition, improving the efficiency of traffic use, and gaining insight into the needs of young customers, launching the "first graduate credit card" for college graduates, improving the product layout of young customers, continuously improving the transaction scale, increasing online transaction operations, and forming a continuous, efficient and large-scale customer mobilization ability through activities such as "Cash Back with Pen" and "Everyday koi fish", and continuously strengthening scene expansion. Upgrade the ecological construction of "meal ticket" and "movie ticket" scenes, focus on "preferential dining" and "preferential movie viewing", take convenience stores as a breakthrough to expand the "light retail" scene, further optimize the asset structure, increase the asset management of low-and medium-risk customers, strengthen the operation of automobile installment and special installment business, and launch exclusive consumption installment cards at the same time, strive to improve the level of intelligent services and clarify the decentralization strategy of service interaction.

The Pocket Life App continues to focus on product upgrades and strengthen the connection between users and scenes. Release version 8.5 of Pocket Life App, continue to consolidate the management of value users, and help the development of credit card business by upgrading consumer financial products, optimizing MGM's card handling process, and strengthening the management of young customers. At the same time, expand the scene around the value cycle chain of great wealth management, introduce funds such as "Super Win" into the Pocket Life App, promote the upgrade of wealth management services, and mobilize customers to exceed 20 million through the "Cash Back with Pen" activity. At present, the cumulative number of users of Pocket Life App is1.1.70 million, the peak number of daily active users of Pocket Life App is 6.827 million, and the number of monthly active users at the end of the period is 434,745,438+0 million, and the user activity continues to lead the credit card App industry.