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The Bank adopts big data and artificial intelligence to gain an in-depth understanding of the attributes of overall customers and to provide financial products that meet customers' needs, thereby achieving the goal of precision marketing. We actively develop digital financial services based on customers' needs, apply FinTech technology to various financial aspects to build an "integrated financial service in client's life". The Bank has been committed to digital financial innovation and launched the "Bank 4.0" online business. Through the incorporation of application fields such as social media, we expands service channels, integrates physical and virtual channels, and optimizes customers’ interaction history in all channels to provide customers with safe and convenient financial services, enhance the Bank's competitiveness, and deepen relationships with customers while contributing to the sustainable development of the environment.