2026 Golden Stone Awards | China Post Savings Bank: Postal Start to the Future——Financial Technology Driving Youth Literacy Cultivation and Deep Value Mining of Parent-Child Customer Segments

Special Topic: 2026 Jinshi Award and Outstanding Financial Consumer Protection Case Selection

The results of the 2026 Jinshi Award and Outstanding Financial Consumer Protection Case Selection are announced. This issue features excellent cases of financial technology innovation services. Among many competing financial institutions, China Postal Savings Bank stood out with its submission titled “Post Unlocks the Future—Financial Technology Drives Youth Literacy Development and Deeply Explores Parent-Child Customer Value,” winning the “Outstanding Case of Financial Technology Innovation Service” award.

Below is a brief overview of the case:

The Postal Savings Bank’s Software Development Center led the “Post Unlocks the Future: Financial Technology in the Classroom” series of practical activities, integrating AI and VR technologies to create interactive teaching models, building a three-dimensional, nine-category layered curriculum system, and establishing a collaborative mechanism among government, banks, schools, and families. Standardized processes have been developed and promoted across Beijing, Hefei, Suzhou, Xi’an, and other cities.

To date, 16 activities have been held, reaching over a thousand students and impacting more than 1,000 families. This has achieved mutual empowerment of financial education innovation and bank customer development, forming a scalable, standardized, and measurable cross-regional solution.

The Postal Savings Bank’s Financial Technology Public Welfare Vanguard Team always centers on financial public welfare education, actively responds to the “Five Major Projects” and “Seven Major Reforms” strategic deployments, and deeply practices the original mission of “Finance for the People.” They serve as a “sowing machine” for financial knowledge, focusing on youth financial public welfare education. Leveraging the advantages of the Software Development Center’s technology team and collaborating with key personnel from multiple branches and sub-branches, a multi-center linkage model has been established in Beijing, Hefei, Suzhou, and Xi’an to share resources and promote cross-regional cooperation. They provide free financial technology knowledge, scientific wealth concepts, credit awareness, and risk prevention education to young people, helping them improve their financial skills.

In practice, value research has been conducted: First, developing a layered curriculum system based on cognitive levels across different age groups, covering multiple knowledge areas for primary, middle, and high school students. Second, interactive education that, unlike traditional one-way knowledge transfer, uses technology to more intuitively demonstrate the logic behind common financial activities. Third, using “small hands leading big hands” as a link, connecting the “government-bank-school-family” collaboration mechanism through students as mediators, creating a multi-party environment for quality education. Fourth, transforming value by exploring a standardized closed-loop path of “educational empowerment—customer cultivation—value conversion,” starting with reaching students and their families, with long-term attention to major family events and precise marketing as the key to sustained cooperation. Fifth, providing a replicable standardized solution: courses are modular, easily assembled and disassembled as needed, with an intelligent digital character “He Bao” explaining the courses, supported by manual control of processes, enabling even those unfamiliar with the curriculum to deliver engaging quality education.

From the final results, two main outcomes are evident: First, establishing a new pattern for youth financial literacy development. The team combined the cognitive characteristics of students at different stages, incorporating AI interactive teaching and VR scene experiences, developing a “Financial + Technology” series of three-dimensional, nine-category courses. The solution features a modular course system supported by the intelligent digital character “He Bao,” forming a highly adaptable, standardized, and measurable cross-regional replication plan. This plan has been implemented in multiple locations, reaching 16 schools and over a thousand students, helping youth develop scientific views on wealth, credit, and risk, and sparking interest in financial technology.

Second, creating a new brand image of Postal Savings Bank’s "Public Welfare + Financial Technology"特色. Through a series of activities integrating financial technology into classrooms, the bank’s brand exposure has increased, with coverage in multiple mainstream media outlets. Six partner schools have proactively incorporated these activities into their regular quality education curricula, fostering long-term financial literacy development. Several communities have invited the bank to conduct family financial knowledge lectures, extending financial technology education from schools to communities. This practice successfully built a new “government-bank-school-family” collaborative service scenario, resonating with both brand and social value.

Third, achieving coordinated growth of public welfare investment and commercial value. Using the “Financial Technology into the Classroom” activities as a starting point, the team and branches fully explored the potential of these activities. They designed tangible financial technology experiences in campus scenarios, such as “Parent-Child Financial Challenge” competitions and “Little Banker” activities, encouraging students to involve their parents in experiencing bank services. This created a family financial knowledge sharing and application scene, deeply exploring the value of parent-child customer groups, forming a “1+N” radiation effect. Since the activities began, they have expanded customer coverage and facilitated conversions: 95 new individual customers, 50 new wealth management accounts, reaching over 1,000 families through “small hands leading big hands,” and facilitating 78 credit card or fund investment applications. They established youth customer profiles, recording financial interests and family needs (such as tech-based wealth management and education savings), providing data support for full lifecycle services (from student accounts to retirement planning). Retail wealth account openings and wealth management sales have steadily increased; payroll business customer retention rates have improved, and payroll amounts have grown, achieving a healthy integration of public welfare education scenarios and commercial value transformation.