While waiting for a table at a restaurant in Global Harbor, Mr. Wang, a citizen, scanned the QR code on the table and started a fun and practical consumer protection knowledge question and answer "challenge" in a spare time. "I learned the knowledge while waiting for a seat. It didn't delay anything, and it was quite interesting." Mr. Wang said.
This September, similar consumer protection "micro-classes" are quietly embedded in the daily lives of Shanghai citizens - no podium, no time limit, and within reach. Since the launch of the "Financial Education Publicity Month" in 2026, under the unified deployment and guidance of regulatory authorities, China Merchants Bank Credit Card has used "Thousands of Stores" as touch points and AI as a link, closely following the theme of "Clear Financial Network to Protect Safe Consumption", and has developed a new path for consumer protection publicity that combines scenario-based, precise and digital intelligence to "sink" financial knowledge and "raise" consumers' risk prevention capabilities.
From "classroom" to "daily life", making financial knowledge within reach
Recently, I visited Zhongshan Park, Longzhimeng, Global Harbor and other business districts and found that many popular stores have CMB credit card consumer protection-themed materials on their waiting areas and tables. Many citizens are taking advantage of the time while waiting for tables and meals to scan the QR code and participate in the interaction, completing a "self-scan" of financial risks in a relaxed atmosphere.
It is reported that in order to better respond to the call of "risk warnings delivered to your doorstep", CMB Credit Card has innovatively launched the "Thousands of Stores in Shanghai" global consumer protection promotion campaign this year on the basis of continuing to consolidate the main position of centralized propaganda and relying on the cooperation resources of local merchants in Shanghai. Through precise card slots in mass consumption scenarios such as restaurants, supermarkets, cinemas, and 4S stores, financial knowledge is naturally embedded in the entire chain of "eating, shopping, entertainment, and transportation" to further advance education touchpoints.
According to the relevant person in charge of China Merchants Bank's credit card, this round of consumer protection publicity has covered 50 key business districts and more than a thousand popular merchants in the city. "Through this wide coverage and contact with a large number of audiences, we hope to truly deliver the concept of financial consumer protection to consumers including the elderly, teenagers and new citizens."
China Merchants Bank Credit Card “Thousands of Stores in Shanghai” Consumer Protection Theme Promotion
In fact, this "Thousands of Stores in Shanghai" is just another successful exploration of China Merchants Bank Credit Card to open up a new front for consumer protection promotion. In recent years, China Merchants Bank Credit Card has continued to promote financial knowledge out of promotional leaflets and integrated into the urban fabric, subtly improving consumers' financial literacy and risk prevention capabilities. As early as 2024, China Merchants Bank Credit Card took the lead in breaking through the traditional education model and combined with Shanghai's characteristic "Centennial Bus" to create a "mobile financial classroom", allowing the trams that shuttle through the city to carry out a subtle drip-feed of knowledge; in March 2025, "Consumer Protection City" was launched in Shanghai's landmark buildings such as the Oriental Pearl Tower. Walk" activity deeply binds consumer protection with urban cultural landmarks, attracting a large number of citizens to stop and watch. In September 2025, financial knowledge will be delivered to the door through "thousand-screen linkage" in key business districts, office buildings and residential elevators in 16 districts of the city; the consumer protection micro-short drama filmed in March this year organically combined consumer protection knowledge with the latest micro-short drama model to deliver vivid and impressive financial knowledge education to the villagers of Minfeng Village...
Do practical things and achieve real results, focusing on key groups through "precision drip irrigation"
The protection of financial consumer rights and interests is related to the people's "money bags" and is a concentrated expression of the political and people-oriented nature of financial work. In recent years, financial regulatory authorities have continued to deepen their deployment in the field of consumer protection. The construction of a "big consumer protection" work pattern has been accelerated, the "risk warnings delivered to doorsteps" campaign has been fully rolled out, and "doing practical things for the people" has been in-depth and effective. In this context, carrying out differentiated and precise financial education for different groups is not only a positive response to the requirements of regulatory authorities, but also an integral part of financial institutions' original intention of "financing for the people".
This September, while covering mass consumption scenarios with "Thousands of Stores Linkage", China Merchants Bank Credit Card also included key groups such as "one old, one young and one new" into the vision of precise education, promoting financial knowledge education from broad access to in-depth services. At the senior citizens’ canteen in Lujiazui, long queues formed early in front of service booths such as free blood pressure and weight measurement, photo taking and printing, etc. The staff of China Merchants Bank Credit Card set up a consumer protection-themed science popularization card next to each booth, handed over folding pages during service breaks, and talked about some fraud prevention points in local dialects. In this way, consumer protection knowledge naturally flows to senior citizens along with convenient services. In front of the blood pressure measurement booth, 72-year-old Grandma Chen was waiting while looking through large-print comic cases; "It's a great activity to not only enjoy services but also learn financial knowledge!" an old man said with a smile.
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This kind of missionary thinking has long been implemented in the “five entry” practices of China Merchants Bank’s credit cards in recent years. For the elderly in rural areas, China Merchants Bank Credit Card Co., Ltd. delivers consumer insurance risk warnings to their doorsteps, and uses the "Rural Big Classroom" to dismantle scams such as "investment for retirement" and "housing for retirement", so that people who are not familiar with smartphones can understand and remember it; for college freshmen, it cooperates with local police stations to customize the "Anti-Fraud First Lesson" based on campus Real cases such as loans and bill rebates are used to allow students to establish the first line of risk defense when they first enter the school; for "two companies and two members", they go to driver homes and food delivery sites to carry out targeted financial risk warnings... The concept of "finance for the people" is transformed into a perceptible service temperature in each scene.
AI empowers new capabilities and builds a “digital intelligence defense line” for consumer protection
While widely communicating the concept of consumer protection to the outside world, China Merchants Bank Credit Card is also "diligently improving its internal strength". Under the guidance of the bank's AI first strategy, it promotes the penetration of AI technology in all scenarios from life services to digital productivity, providing consumers with services that combine both experience and security. According to the 2026 semi-annual report, China Merchants Bank has implemented 256 domain models and 1,386 intelligent scenarios. AI has been transformed from a cutting-edge concept into an underlying capability that supports business operations. AI technology also deeply empowers the practice of consumer protection, forming a full-chain protection covering education and risk control.
On the education side, China Merchants Bank Credit Card uses AI digital human technology online to set up a "smart live broadcast room" for consumer protection promotion on the Palm Life App. The digital human live broadcast breaks through the limitations of time and space, allowing consumer protection knowledge to reach a wider range of consumers.
China Merchants Bank Credit Card AI Digital Human Live Room
On the risk control side, China Merchants Bank Credit Card has relied on cutting-edge capabilities such as AI large models to develop the "Awakening Plan - Anti-Fraud Intelligent Interaction System", which can focus on differentiated customer types and output progressive intelligent interactive intervention plans covering all nodes of business processing. It improves customer awakening effects and fund recovery capabilities, and has saved hundreds of millions of telecom fraud losses for customers, effectively protecting the safety of consumers' funds.
The relevant person in charge of China Merchants Bank Credit Card said, "China Merchants Bank Credit Card has always taken 'serving the national strategy and serving the people's better life' as its mission, and continues to increase the protection of consumer rights and interests, and continuously improves customer experience, service efficiency, and operating effectiveness." The person in charge said that in the future, China Merchants Bank Credit Card will continue to explore ways to maintain good financial order, protect the legitimate rights and interests of financial consumers, and practice "finance for the people" with actions.
