在监管政策和市场的双重驱动下,为了适应“互联网+”发展趋势,各银行信用卡业务纷纷转型,努力在发卡模式、支付技术、客户服务等方面谋求创新。在移动互联时代,获客渠道网络化的趋势愈发明显,信用卡获客的主要渠道也逐渐从线下转到了线上。笔者认为,MGM(Member Get Member,客户推荐客户)营销很 Under the dual drive of regulatory policies and markets, in order to meet the development trend of “Internet + ”, the credit card businesses of various banks have been transforming one after another to strive for innovation in such aspects as card issuing mode, payment technology and customer service. In the mobile Internet era, the trend of getting customers through the network is becoming more and more obvious. The main channels for receiving credit cards have also gradually shifted from offline to online. In my opinion, MGM (Member Get Member, customer recommended customer) marketing is very