In its ongoing push to deepen digital transformation and inclusive financial services, Harbin Bank's major 2025 launch, the "Money Delivered" digital credit product, deeply integrates cutting-edge technologies like cloud computing, AI, and big data. It establishes a new paradigm for efficient and intelligent retail financial services, characterized by an ultimate service experience of "one-second code scanning, one-minute application, one-minute approval, and one-click withdrawal." With its convenient and highly efficient features, "Money Delivered" has tangibly resolved funding difficulties for numerous enterprises and individuals. A Harbin resident, Mr. Ma, who runs a renovation company, faced cash flow pressure due to slow repayment for completed projects, urgently needing to purchase materials like sand and cement. Finding traditional loan processes complex and slow, Mr. Ma, upon learning of Harbin Bank's product, used just his ID card to apply online via his phone, completing approval and successfully withdrawing 160,000 yuan in under three minutes, promptly easing his operational strain and ensuring the project's continuity. "Money Delivered" breaks down traditional credit barriers, extending services to a broader population. Leveraging a big data risk control model covering over 4,000 dimensions, it significantly boosts financial service efficiency, enabling financial resources to reach all sectors of the real economy more precisely and rapidly. It precisely targets key livelihood scenarios such as major consumption, tourism, and education, helping to stimulate regional consumption potential; addressing the "high-frequency, small-amount, decentralized" funding needs of individual businesses and small-to-micro enterprise owners, it provides fast and flexible working capital support, effectively optimizing the regional business environment. Since its official launch in June 2025, "Money Delivered" has demonstrated outstanding performance, with a cumulative credit issuance exceeding 8.5 billion yuan and an outstanding service balance surpassing 1.3 billion yuan. It has shown robust service efficacy in supporting small and micro enterprises and facilitating the micro-circulation of the real economy, marking a significant milestone in Harbin Bank's digital transformation and inclusive financial practices.