OPC boom reshaping inclusive finance

Résumé détaillé

Shanghai Pudong Development Bank launched a dedicated OPC section on its mobile app in October, bringing together services such as account opening, credit facilities and legal…

As artificial intelligence reshapes the way businesses are built and operated, a new breed of entrepreneurs is emerging: one-person companies that leverage AI tools to run lean, agile businesses. Sensing an opportunity in this fast-growing segment, commercial banks are stepping up efforts to court these solo entrepreneurs, rolling out dedicated lending products and integrated services that go beyond financing to support their businesses at every stage of growth.

OPCs are business ventures in which entrepreneurs leverage AI tools and professional service networks to handle research, development and operations independently or in small teams. Characterized by lean organizational structures and rapid innovation cycles, these businesses have diverse financial and operational needs, ranging from account opening and payment settlement to working capital, tax and regulatory compliance, market expansion and cross-border operations.

Shanghai Pudong Development Bank launched a dedicated OPC section on its mobile app in October, bringing together services such as account opening, credit facilities and legal consultations to support individual entrepreneurs.

Looking beyond financing, the bank has also broadened its support ecosystem through a services section offering legal information, standard contract templates and access to lawyer consultations. In addition, it has introduced a business qualification assessment tool that allows entrepreneurs to conduct self-assessments for three types of credentials: trademark registration; technology-based small and medium-sized enterprise status; and high-tech enterprise status.

On Oct 23, the Jing'an subbranch of Bank of Shanghai signed a framework cooperation agreement with Shanghai Yiqi Naohai Artificial Intelligence Technology Co to collaborate in areas such as AI video production and AI-powered content creation.

Bank of Shanghai had already extended a 3 million yuan ($449,700) loan to the company in September.

Yang Chen, head of Bank of…

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