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CHINA MERCHANTS BANK SMART OUTLET CASE STUDY
15.6" Signature & Dual-Recording Solution for Smart Wealth Management
Background
Challenges
Deploying a unified smart wealth management desk across a national bank network presents a unique combination of regulatory, operational, and technical challenges:
Multi-System Seamless Integration The signing terminal must integrate with CMB’s core wealth management system, dual-recording platform, and document management system simultaneously — often operating across legacy Windows environments and modern banking middleware.
Dual-Recording Compliance China’s banking regulations require voice and video recording for wealth management product sales. The hardware must support integrated camera + microphone modules that synchronize perfectly with each e-signature event.
High-Frequency Transaction Throughput Wealth management desks serve dozens of high-value transactions daily. Devices must handle continuous operation with zero downtime — a single failure impacts customer satisfaction and regulatory compliance alike.
Customer-Facing Usability Banking customers range from tech-savvy millennials to elderly clients. The signing interface must be intuitive, display content clearly on a large screen, and support both pen and multi-touch input.
Regulatory Audit Trail Every signed document must carry a complete, verifiable audit trail: timestamp, device ID, branch code, operator ID, IP address, and biometric signature data — meeting CBRC compliance requirements.
Large-Document Preview Wealth management agreements and dual-recording consent forms often span multiple pages. The display must render full documents legibly without requiring the customer to scroll or flip between screens.
Applications
All-in-One Wealth Management Terminal: Signature, Voice, Video, Fingerprint & ID — One Device
Haveways designed a comprehensive smart outlet solution anchored by the YF156K 15.6" interactive wealth management terminal. The system replaces up to four separate devices — signature pad, fingerprint reader, dual-recording camera, and ID card scanner — with a single elegant, integrated unit that connects to CMB’s wealth management desktop via a single USB-C cable.
Software
Haveways SDK — The Software Bridge
Haveways provides cross-platform libraries (Windows, Linux, Android) that enable third-party HIS/EMR developers to embed signature capture with fewer than 10 API calls. Certified for compatibility with Cerner, Epic, Allscripts, and regional healthcare platforms, Haveways supports real-time signature rendering, biometric data extraction, and certificate-based document binding.
Product Overview
Haveways configured the YF156K as the flagship wealth management terminal for CMB’s smart outlet initiative:
YF156K — 15.6″ Smart Wealth Management Signature Pad
15.6-inch HD (1920x1080) | 8192 levels of pressure sensitivity
> 15.6" large display, 1920x1080 Full HD
> Optional 5MP camera for face recognition
> Optional voice recording & push
> 8192 levels of pressure sensitivity
> 10-point capacitive touch
> Muti-angle adjustable stand
> Counter display & service applications
Applications
China Merchants Bank deployed the YF156K across its wealth management and visual counter desks to enable paperless processing across a wide range of regulated banking scenarios:
Wealth Management Product Agreements Customers sign electronic financial product purchase agreements, risk assessment questionnaires, and product prospectuses directly on the YF156K’s large 15.6" screen — no paper forms, no printing, no scanning. The dual-recording module captures both the customer’s face and the document displayed simultaneously.
Account Opening & KYC Signing New account applications, Know Your Customer (KYC) forms, and identity verification acknowledgments are signed electronically with integrated fingerprint authentication, satisfying both regulatory KYC requirements and CBRC dual-recording mandates.
Dual-Recording Compliance Haveways SDK synchronizes each e-signature event with the front camera’s video stream and microphone audio, embedding a verifiable link between the recording and the signed document — satisfying dual-recording compliance for wealth management product sales.
Financial Product Risk Disclosures Mandatory risk disclosure documents for investment funds, wealth management products, and insurance-linked plans are presented on the Full HD screen and signed electronically, with every signature timestamped and linked to the branch, teller, and customer identity.
Cross-Branch Standardization CMB’s national smart outlet rollout uses a single hardware configuration (YF156K) across all branches, enabling consistent customer experience and streamlined IT management — one device image, one configuration template, one support protocol.
Benefits
Following the deployment of Haveways YF156K wealth management terminals across its smart outlet network, China Merchants Bank has achieved measurable improvements in operational efficiency, regulatory compliance, and customer satisfaction:
| Benefit | Outcome |
|---|---|
| Paperless Wealth Management | Eliminated 5–8 paper forms per transaction; estimated annual paper, printing, and archival cost savings of hundreds of thousands of RMB per branch |
| Dual-Recording Automation | E-signature events now automatically synchronized with video + audio recordings via Haveways SDK — eliminating manual recording management and cross-system reconciliation |
| Compliance & Audit Readiness | Every transaction carries a complete audit trail: timestamp, device ID, branch code, operator ID, IP address, biometric signature, and linked recording — fully meeting dual-recording requirements |
| Customer Experience Transformation | Average wealth management transaction signing time reduced from 4–6 minutes (paper + dual-recording workflow) to under 90 seconds; fewer forms, one device, one signature |
| National Deployment Scale | CMB, as the leading technology bank in China, began full-network rollout; Bank of Nanjing has also completed implementation and delivery — establishing a replicable industry standard for smart outlet deployment |
| Streamlined IT Operations | Single USB-C cable connectivity reduces desk clutter and simplifies IT deployment; one device replaces four, dramatically lowering hardware maintenance overhead across the branch network |
| Ergonomic & Premium Aesthetic | 15.6″ Full HD display, compact form factor, and modern design elevate the visual counter’s appearance, supporting CMB’s premium brand positioning in the technology banking segment |
| Fast Deployment, Low TCO | Haveways’ Shenzhen-based manufacturing and local technical support team enabled faster deployment cycles compared to international competitors; total cost of ownership significantly lower than Wacom, Topaz, or Signotec solutions with equivalent specifications |
Ready to Digitize Your Healthcare Workflow?
Contact Haveways today for a tailored solution and a free product demo.
Email: tanfeilong@viewfun.cn | Tel: 400-891-9108 | Web:www. 47.84.21.226:35100
Shenzhen Haveways Technology Co., Ltd. is a certified high-tech enterprise under Huion Group, with ISO 9001, ISO 27001, ISO 14001, and ISO 27018 certifications. With 200+ global channel partners and 50+ government and enterprise customers, we are committed to delivering reliable, scalable pen-input solutions for healthcare institutions worldwide.