A few days ago, the second private bank in Jiangsu, Wuxi Xishang Bank (the full name is "Wuxi Xishang Bank Co., Ltd.") officially opened, and Sumei Technology attended the opening ceremony as the first batch of strategic partners to send blessings to it. At the event site, Wuxi Xi Commercial Bank reached strategic cooperation intent with Sumei Technology, Hongdou Group, Huawei Jiangsu, Digital China and other units, and signed a strategic cooperation agreement on the spot.
In recent years, as mobile Internet, big data, artificial intelligence, and 5G technology have gradually penetrated into all aspects of economic and social development, financial technology is profoundly affecting the development model of the financial industry. Private banks are also constantly exploring innovative technologies in financial services during rapid development. The application scenarios and technology empower the development of inclusive finance.
Wuxi Xi Commercial Bank: Inclusive finance, win-win situation
Xishang Bank is located in Wuxi, known as the "Internet of Things Capital", and is the second private bank in Jiangsu after Suning Bank. Xishang Bank was mainly initiated and established by well-known Jiangsu companies such as Hongdou Group, Jiangyin Chengxing, Xingda Investment, Jiangsu Hengke New Materials, Jiangsu Shuangxiang Group, Jiangsu Li Innovation Energy, and Sensing Technology Wuxi. Xishang Bank is positioned as a technology-based bank with Internet of Things financial characteristics, and its first president is Xi Guoguang.
The head of the Jiangsu Supervision Bureau of the China Banking and Insurance Regulatory Commission read out the "Approval on the Opening of Wuxi Xi Commercial Bank Co., Ltd." and issued a financial license. Zhou Haijiang, chairman of Wuxi Xi Commercial Bank, said that in the face of the complex economic situation and fierce competition, Wuxi Xi Commercial Bank will adhere to the concept of "inclusive finance and win-win" and actively explore technology-based banks with Internet of Things financial characteristics. .
AI technology empowers smart financial risk control services
As a company at the forefront of the growth of the financial technology industry, Sumei Technology relies on the world's leading big data artificial intelligence technology to combine artificial intelligence with financial risk control, plus years of practical experience in the field of financial risk control and anti-fraud. Provide multi-dimensional and multi-link financial risk control services for Wuxi Xi Commercial Bank. The risks of cheating in marketing activities and payment fraud are everywhere.
Marketing activities such as new users, receiving coupons, grabbing red envelopes, and sharing rewards are important means for banks to accumulate users and enhance their brand image, but they can also become important targets for black production. Obtaining illegal benefits through improper means will seriously affect normal operations. User experience and brand image.
Real-time deployment of all paths to ensure business safety
Wuxi Xishang Bank cooperated with Shumei Technology to establish a full-path real-time deployment control strategy system through the "Skynet-full-stack intelligent risk control engine", and start, register, log in to users to pull new entries, share rewards, and grab coupons through APP Deploying equipment risk SDK, machine registration and login identification, basic verification code and other defense mechanisms in business scenarios such as receiving red envelopes, effectively identifying equipment risks and account risks, and rating incidents and account risks, preventing fraud under bank marketing activities, and providing services for business Marketing escort, enhance user experience and activity, and achieve user accumulation and precipitation.
In the payment links such as account opening, transfer, and card binding, accurately identify payment risk behaviors based on behavior characteristics such as user behavior scheduling and attribute aggregation; at the same time, use unsupervised algorithms such as community discovery and risk communication to accurately identify fraudulent behaviors such as card theft transactions The black industry gangs provide users with a safe and reliable payment ecological environment, improve operational efficiency and prevent payment risks.
Intelligent voiceprint recognition and audio recognition strengthen prevention and control efforts
The intelligent voiceprint recognition of SUMEI Technology Tianjing is based on advanced artificial intelligence technology, according to the acoustic characteristics, intelligently calculates and generates a unique voiceprint identification, which can be performed in multiple scenarios such as card opening, account opening, registration, login, unlocking, and payment. : 1 Voiceprint comparison, to identify whether it is a real person or the same person, to ensure the security of identity authentication, and then to identify and eliminate fraudulent activities by robots or fraud groups. Intelligent audio recognition is mainly used in business scenarios such as telephone customer service and collection, to accurately identify abuses, intimidation and other violations during calls, improve customer experience, improve quality control efficiency, and bring compliance to the industry.
Intelligent image recognition technology helps online signing and verification
The two parties will also jointly explore the application of image recognition technology in scenarios such as smart verification and smart contract based on deep learning and behavioral profiling to improve the efficiency and accuracy of collateral verification.
In the future, the two parties will continue to explore the application scenarios of artificial intelligence in the credit field, explore and promote full-process credit solutions, build an AI intelligent anti-fraud system, and seek continuous cooperation in more areas. As one of the strategic partners of Xishang Bank, Sumei Technology will continue to strengthen its leading role in technological innovation, provide more high-quality and professional financial technology services, and help Wuxi Xishang Bank to build a technology-based bank with IoT financial characteristics.