How to help the elderly cross the “digital divide”? Central bank: severe punishment for refusing cash entities

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Original title: how to help the elderly cross the “digital divide”? Central bank: severely punishing the rejection of cash entities and building intelligent financial app
Every reporter song Ge, every intern reporter Xiao Shiqing, every editor Liao Dan
Recently, the general office of the State Council issued the implementation plan on effectively solving the difficulties of the elderly in using intelligent technology (hereinafter referred to as the plan), which has aroused great concern of the society.
On November 26, Li Wei, director of the science and Technology Department of the people’s Bank of China, said at the regular briefing of the State Council’s policies held by the office of the people’s Republic of China, Li Wei, director general of the science and Technology Department of the people’s Bank of China, said that measures would be taken from three aspects: cash management, payment services and inclusive finance to improve the availability and satisfaction of daily financial services for the elderly. In addition, Li Wei said that some entities who refuse to accept cash will be severely punished in accordance with the law and regulations.
At the same time, on-line, we should dig deep into the technical advantages of artificial intelligence and big data, and create some intelligent financial apps such as big font, voice, national language and concise version, so as to provide customized, warm and intimate financial services for the elderly.
The central bank said that online, it will provide customized, warm and intimate financial services for the majority of the elderly. Data source: China Internet Network Information Center photo network map Yang Jing
Severely punish cash refusing entities
During the epidemic period, “scanning code travel”, “online booking”, “online shopping” and other lifestyles relying on intelligent devices have seriously affected the daily life of the elderly. Recently, the life problems of the elderly caused by the “digital divide” have become a hot topic.
At the meeting, Li Wei said that the people’s Bank of China attaches great importance to solving the problem of elderly people’s difficulties in using intelligent technology, and will take measures from three aspects: cash management, payment services and Inclusive Finance, so as to effectively improve the availability and satisfaction of daily financial services for the elderly.
In terms of cash management, under the unified deployment of the State Council, we will comprehensively carry out the centralized rectification and long-term mechanism construction of cash rejection in view of the discrimination and exclusion of cash use.
First, we will work with relevant ministries and commissions, local governments, banking financial institutions and grassroots communities to guide and standardize the use of cash in the fields of water, electricity and gas, public utilities, and high-frequency service places such as retail, catering, shopping malls and parks.
Second, strengthen daily supervision. Through secret visits, inspections and other means to carry out the bottom-up investigation, establish a directory database of illegal subjects, carry out key tracking, and severely punish those who refuse to accept cash involving public services, people’s livelihood and public concern and have a relatively large scope of influence.
The third is to increase publicity in public publicity. Widely publicize cash payment requirements in different scenarios, expose some typical cases, and strengthen positive guidance and warning education.
It is worth mentioning that the State Council has also made relevant provisions on the use of cash in the previous plan. The plan points out that traditional financial services should be retained. No unit or individual may refuse cash in the form of standard terms, notices, statements and notices. In order to improve the face-to-face service of service personnel, such as retail, catering, shopping malls, parks and other high-frequency consumption places for the elderly, basic public service fees such as water and electricity fees, and administrative and institutional fees should be paid in cash and bank cards. We will strengthen the supervision of the payment market and intensify the rectification and rectification of discriminatory acts such as refusing cash and refusing bank card payment. The places operated by unmanned sales mode shall meet the demand of consumers for cash payment in an appropriate way, and provide cash payment channels or conversion means.
Create multiple smart financial apps
It is worth noting that payment and financial services are also high-frequency life scenes involved in daily life of the elderly.
In this regard, Li Wei said that in terms of payment services, in view of the problems that some elderly people will not use mobile payment and their daily consumption is inconvenient, he will guide market institutions to effectively improve the convenience and convenience of payment products from the aspects of interface and operation, and strengthen the knowledge publicity, education and popularization of mobile payment for the elderly. The people’s Bank of China will carry out investigation and handling work for market institutions that use unfair competition to cause discriminatory payment behaviors such as rejection of bank cards by businesses and inconvenience to the consumption of the elderly.
In the aspect of Inclusive Finance, the people’s Bank of China will guide financial institutions to focus on the daily high-frequency financial scene of the elderly, and create an integrated online and offline “suitable for the elderly” financial services to meet the needs of the elderly. On the Internet, we will dig deep into the technical advantages of artificial intelligence and big data, and build some intelligent financial apps such as big font, voice, national language and concise version according to different people, so as to provide customized, warm and intimate financial services for the majority of the elderly. Offline, it is also necessary to continuously optimize the physical banking outlets and rural inclusive financial service stations to effectively improve the elderly’s sense of access and happiness in face-to-face financial services.
In addition, Li Wei said that he would organize relevant financial institutions to improve their services, extend their service tentacles with some mobile devices, and take the initiative to handle financial services at home or remotely. In the next step, the people’s Bank of China will conscientiously implement the relevant requirements of the Party Central Committee and the State Council, guide financial institutions to make good use of intelligent technology, improve the depth, breadth and temperature of services, so as to better benefit the majority of the people, including the elderly, and ensure that “none of them will fall behind” on the road of digital Inclusive Finance.