Wollgroo.. i see what you're saying about Wechat
http://www.forbes.com/sites/jlim/2014/05/19/wechat-one-of-the-worlds-most-powerful-apps/
and from the ann yesterday..
Moreover, all future marketing activities of WeChat Bank and Direct Bank will also be carried out on this integrated platform that 99 Wuxian has customised and developed specifically for SPD Bank.
Since it was founded in August 1992, SPD Bank has continued to innovate and enhance the operation of its business. By establishing WeChat Bank in 2013 and Direct Bank in 2014, SPD Bank created an excellent user experience for its cardholders. 99 Wuxian's cooperation with SPD Bank will provide cardholders customers with a novel and exciting service through which loyalty points can be redeemed and assist with the development of SPD Bank's WeChat and Direct Bank operations. 99 Wuxian has developed a new and exciting pathway for financial institutions to service their customers.
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