Securities Times: Credit Card Benefits Launch AI Big Model Package Credit card industry reshuffle will accelerate

Recently, China Merchants Bank and Mastercard engineers launched exclusive AI benefits for credit cards, innovatively incorporating tokens into the first swipe gift for new users. Experts believe that this represents a significant attempt by the credit card industry to cross over from consumer benefits to productivity benefits. In the future, credit card benefits will extend from physical items and services to digital benefits, computing power limits, and model permissions. Experts predict that in the future, credit card benefits will move away from universal flooding towards customized tiers, cross-industry scenarios, and the integration of virtual and real elements. Benefits will extend from physical items and services to digital benefits, computing power limits, and model permissions, with points being able to circulate between AI tokens and digital memberships. Additionally, banks will use AI to dynamically match benefits based on user behavior, enabling precise targeting strategies. Zeng Gang, Deputy Director of the National Financial and Development Laboratory, stated that risk control, computing power integration, and the ability to integrate benefit supply chains have become new barriers. Small and medium-sized banks lacking technology collaboration and scenario resources will continue to lag behind in the iterative pace of benefit updates, leading to further market concentration towards leading banks and accelerating industry reshuffling.