At present, the development of financial technology has ushered in new opportunities and challenges, and the digital transformation of the banking industry has also been given new connotations. With the long-term impact of financial technology, the traditional operating methods of the banking industry have been severely tested. Air Banking has become a key word in the industry, and the Chinese banking industry is entering a new stage of development. Recently, Juphoon successfully won the bid for the remote banking project of Zhongyuan Bank after successively winning bids for several bank projects. It has made another effort to jointly promote the development of remote banking innovation and practice.
At the beginning, Centaline Bank adhered to the principle of "Science and Technology, Technology Development" and the concept of "Steady, Innovative, Enterprising and High-Efficiency", and continued to explore the integration of financial technology, vigorously develop mobile finance and online finance, and improve comprehensive financial service capabilities. The level of financial technology application ranks domestically. Leading position of city commercial banks. As of the end of June 2019, Centaline Bank has 18 branches and 2 sub-branches directly under its jurisdiction, with a total of 472 business outlets; as the main sponsor, it has 9 rural banks and 1 consumer finance company in Henan Province. Became the Fortune China 500 in 2019, ranked 23rd among the shortlisted commercial banks, and is the only financial institution in Henan on the list.
The current business links of Centaline Bank, such as account opening, account activation, signing, and customer information maintenance, still rely on face-to-face communication and verification methods. The operating efficiency and customer experience within the bank need to be improved, and the customer experience needs to be further optimized. At the same time, competition in the industry has become increasingly fierce. During the epidemic, the industry has launched remote video banking, contactless loans, and online account opening services. On the one hand, it helps financial services during the epidemic, on the other hand, it seizes market dividends. In this context, Centaline Bank put forward the requirements for remote banking projects, requiring the establishment of a bank-level audio and video capability center to create a "remote bank" that subverts the traditional bank operation model.
Juphoon has always been committed to creating the best audio and video communication platform for customers. Combined with Juphoon’s mature technology such as remote audio and video, dual recording, etc., it can effectively help banks solve business pain points and meet all types of business development. demand. In this project, based on the “contactless” demand of Centaline Bank’s high-frequency counter business transactions and based on the bank’s numerous service channels, Juphoon’s real-time video and dual recording functions can be used as a supplement and upgrade to its electronic service channels. Service innovation points to help them build a more complete and three-dimensional integrated financial service system and expand more online video business application scenarios , providing customer information maintenance, account management, remote account opening, deposit certificate opening, mobile banking signing, account managers Services such as mobile dual recording (single/two-way) provide real-time audio and video interaction capabilities, giving such services the ability to conduct online processing in compliance. This will prevent bank customers from being unable to handle business due to time and space constraints, broaden the bank’s marketing channels and enhance competitiveness, optimize its business processes, further improve business operation efficiency, and optimize customer experience.
Similarly, as a mature audio and video capability system, Juphoon’s audio and video platform can help Centaline Bank implement multi-person audio and video calls, queue services, message interaction, recording services, data security and operation management after the completion of the project to meet the needs of remote banks. Basic audio and video capabilities requirements. Subsequent support for basic audio and video services can be provided for scenarios such as mobile dual recording and video interviews. Juphoon will give full play to the capabilities of the audio and video system platform, innovate the business development model of Centaline Bank, and meet the needs of its new business scenarios in the next 3 to 5 years .
Currently, with the maturation of audio and video technology and mobile applications, remote business management is becoming a development trend in all walks of life. Based on Juphoon's video capabilities platform, banks can build a more complete and three-dimensional financial service system and expand more business application scenarios. Juphoon will also continue to devote itself to providing industry-leading, efficient and reliable one-stop solutions for more bank customers, continuously improving the overall operation and maintenance efficiency of audio and video systems, reducing risks, and improving system security and reliability. More partners work together to create new value.