Community bank is a new business model for banks to attract new customers and retain regular customers. The service is brand new in terms of its coverage, operation, target group and duration. It is based on mobile payment and mobile APP, tying different parties together with loyalty points system. The bank is in the center of this financial ecosystem, providing various non-financial services for customers as well as local merchants.

To meet the different demands of individual customers, merchants and banks, F-Road has designed four versions of community bank system:
APP for Individual Customer: Allow the customer to browse the webpage, give confirmation, make and check orders and pay for the bills.
APP for Merchant: Allow the merchant to receive payment, give confirmation and check orders.
PC System for Merchant: Allow the merchant to manage information and search order.
PC System for Bank: Allow the bank to administer and manage the platform, and get reports.

Loyalty points shopping mall（www.o2obill.com）is an ecommerce platform in which customers can use either loyalty points or cash to buy products. The mall is connected to JD.COM, YHD.com and other well-known ecommerce suppliers. The information related to the products, price and stock are directly provided and upgraded by these suppliers, who are also responsible for the delivery and after-sale services.

Online Shopping mall provides products of high quality and of low price with fast delivery service. The featured high quality products are from all over the country, some are local specialty. VIP members can enjoy an even lower member price in the online shopping mall. The goods will be delivered to the customers directly after the order.