Chinese consumers spend the majority of their time on the digital platforms of Baidu, Alibaba, and Tencent (BAT) rather than on individual firms' mobile apps or websites. Mini-programs offer a glimpse into the future of digital experiences on these platforms. But because the functionality of mini-programs is constantly evolving, banks and insurers must proactively define their own mini-programs or risk losing their clients to competitors. This report shows digital business leaders when, where, and how to leverage mini-programs to better serve empowered Chinese customers.