Postal Savings Bank of China (PSBC) has been recognized with the "Outstanding FinTech Innovation Service" award at the 2026 Golden Stone Awards for its case study titled "Postal Future – Leveraging Financial Technology to Cultivate Youth Literacy and Deeply Explore Family Customer Value." The award highlights exceptional examples of technological innovation in financial services.
The initiative, led by PSBC's Software R&D Center, introduced interactive teaching methods utilizing AI and VR technologies. It established a tiered "three-dimensional, nine-category" curriculum framework and a collaborative "government-bank-school-family" mechanism. This standardized approach has been implemented across multiple cities including Beijing, Hefei, Suzhou, and Xi'an.
To date, the program has conducted 16 events, reaching over 1,000 students and impacting more than 1,000 households. It successfully integrates financial education innovation with the development of the bank's customer base, creating a scalable, standardized, and measurable solution for cross-regional replication.
PSBC's FinTech public welfare team focuses on financial education as its core mission. Aligning with strategic national reforms, the team leverages the technical expertise of the R&D center and collaborates with branch business experts. This multi-city cooperation model facilitates resource sharing and promotes the free dissemination of FinTech knowledge, scientific wealth concepts, credit awareness, and risk prevention skills among youth.
The program's value is demonstrated through five key areas: 1. Development of an age-appropriate, tiered curriculum covering multiple knowledge domains from elementary to high school levels. 2. Implementation of interactive education that uses technology to visually demonstrate the logic behind common financial activities. 3. Establishment of a "hand-in-hand" linkage, using students as a conduit to connect government, bank, school, and family stakeholders in a collaborative educational environment. 4. Value conversion, exploring a standardized path from "education empowerment" to "customer cultivation" and finally "value realization." Initial contact is made through students reaching their families, with long-term cooperation built on sustained attention to family milestones and targeted engagement. 5. A replicable, modular solution where curriculum components can be assembled like building blocks. An AI digital persona, "He Bao," assists with course delivery, and a structured process allows even inexperienced facilitators to conduct the specialized quality education sessions effectively.
The program has achieved significant outcomes: First, it has established a new framework for cultivating financial literacy among youth. By integrating AI interactive teaching and VR scenario experiences tailored to students' cognitive levels, PSBC developed a comprehensive "Finance + Technology" curriculum. The modular system, supported by the digital assistant "He Bao," provides a strong, adaptable, and measurable solution that has been successfully deployed in 16 schools, helping students develop sound concepts of wealth, credit, and risk while sparking interest in financial technology.
Second, it has enhanced PSBC's brand image as a pioneer in "public welfare + FinTech." The classroom initiative increased the bank's visibility, garnering coverage from major media outlets. Six partner schools have incorporated the activities into their regular quality education curricula, ensuring the longevity of financial literacy efforts. Invitations from communities to host family finance workshops have extended the program's reach from schools into neighborhoods. This practice has successfully created new collaborative service scenarios, aligning brand value with social impact.
Third, it has achieved synergistic growth between public welfare investment and commercial value. Using the "FinTech in the Classroom" program as a foundation, PSBC collaborated with branches to maximize its potential. Activities like the "Parent-Child Financial Challenge" and "Little Banker" events engaged parents through student participation, creating shared learning scenarios for family finance and deeply exploring the value of the parent-child customer segment. This generated a "1+N" ripple effect.
The program has driven both customer acquisition and conversion: it directly added 95 new personal customers and 50 wealth management accounts. Through the "hand-in-hand" model, it reached over 1,000 families, leading 78 individuals to apply for credit cards or set up fund investment plans. The bank also established youth customer profiles, recording financial interests and family needs (such as tech-driven wealth management and education fund planning) to support lifelong services—from student accounts to retirement planning. Consequently, the retail segment has seen steady growth in wealth account openings and product sales, while payroll service client retention rates and transaction volumes have improved, successfully linking public welfare education with commercial value creation.
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