At present, more than 90% bank credit card applicants in China are outsourced.

Bank of Communications Examination Center was established at the end of 20 1 1. At first, it was mainly composed of grassroots business personnel, affiliated to the Ministry of Science and Technology, and was mainly responsible for the acceptance and testing of business systems. Since the establishment of the testing center, by introducing international standards, the standardization and maturity of testing institutions have been improved, and the professional ability of testing personnel has been improved. In 2020, the test center obtained TMMi's highest-level five-level certification, and the proportion of employees holding domestic or international financial technology-related qualification certificates reached 85.98%. In recent years, with the acceleration of the reform of the IT system and mechanism of Bank of Communications, the testing center, while continuing to ensure the quality, actively adjusts its role orientation, undertakes more functions, constantly optimizes its personnel structure, actively innovates its working mode, and actively adapts to the new requirements of digital transformation of the whole bank.