On March 31, 2021, HMS Core.Sparkle Financial Innovation Salon with the theme of "Digital Upgrade, Winning the Future" was held in Shanghai. The salon discusses topics such as the development trend of financial digitalization and the digital operation of financial apps, and combines the digital operation of financial apps such as securities and banking and the sharing of capacity opening cooperation cases. With the help of HMS Core financial solutions, it explores the growth of financial app users. New driving forces to improve operational efficiency and upgrade user experience.
The iterative upgrade of financial products and services has given birth to platform-level products with a large financial user base. Financial institutions are actively exploring new forms of operation and new business expansion, trying to enhance their advantages through differentiated competition and multi-channel income sources, while using technological capabilities to effectively avoid security risks. How to effectively promote user growth, increase the activeness of old users and the repurchase rate of their own financial products is a difficult problem faced by most financial apps.
At the meeting, the HMS Core financial solution provided by experts in the financial field of Huawei fully empowered developers in scenarios such as capability innovation, rapid customer acquisition, and precise operation of mobile financial apps, allowing financial partners to obtain user traffic more efficiently and accurately, and Users get more efficient and convenient services.
Accurate operation to promote user growth
The cost of acquiring new users of financial apps is relatively high. To achieve continuous user growth, a good product experience and efficient operation methods are essential. Especially for investment users, the delay of transaction reminder messages may cause unnecessary losses. Therefore, even in the peak period of message sending, the App hopes that such messages will be sent quickly and reach users.
In response to this scenario, Huawei's push "quick notification" service provides a dedicated Push channel to help information reach users efficiently. After the Industrial Securities App's You Libao is connected to Huawei's "Quick Notification", the stability of message push has improved significantly, the arrival rate can reach 98% within 5s of the whole time, and the success rate of push message interface calls has also been greatly improved, with the success rate reaching 99.9 %the above. (The data comes from the feedback from the developers of Unibon App)
Huawei Analytics Kit supports all platforms of Android, iOS, and Web through fast and simple SDK access, pre-installed massive industry-leading data and analysis models, through more than 30 preset events and more than 500 customer-defined events The flexible configuration of the system realizes the analysis of user behavior and characteristics in the whole life cycle, accurate delivery, monitoring effects, and promotion of conversion, and realizes a closed loop from insight to marketing. It is worth mentioning that Huawei Analytics can connect with Huawei's push service and Huawei's in-app news. Operators can choose the right way to reach the right audience to achieve the purpose of precision marketing.
Fully guarantee the safety of the application environment, allowing users to use with confidence
The financial industry is highly sensitive to market security. Compared with the traditional financial industry, efficient and convenient mobile financial products have higher requirements for account and fund security. Huawei's Safety Detect service currently provides system integrity detection, malicious URL detection, application security detection, false user detection, and malicious Wi-Fi detection, which can help judge financial apps to quickly build application security.
For example, the Hangyin Direct App under Bank of Hangzhou can quickly detect whether the operating environment of the device is safe by integrating the system integrity detection function in Safety Detect; through the malicious Wi-Fi detection function, it can detect Wi-Fi and router characteristics and analyze The current network situation you are trying to access; through cluster analysis, real-time feedback of Wi-Fi detection results helps the App prevent malicious Wi-Fi behavior***. And in terms of risk control analysis, the Hangyin Direct App has also enriched the application’s transaction risk control data dimension through the integration of Safety Detect, and can also upload the detection results to the server; through abnormal analysis, feature extraction, and establishment of key businesses such as payment Access the model and perform real-time data analysis to improve user data tags.
Among financial software service providers, Kelan also launched a fintech toolbox based on HMS Core, integrated with Safety Detect, and opened the application security detection and malicious Wifi detection capabilities to hundreds of banks and financial partners of Kelan Software. . On the other hand, more and more developers have integrated the Huawei Account Kit (Account Kit) service, through two-factor authentication and other methods, effectively guaranteeing account security, allowing users to use the quick service of one-click login with peace of mind. application.
Innovate product capabilities and enhance user experience
With the maturity of 5G, AI, and virtual reality technologies, consumers are also seeking smarter and more convenient App experiences. In terms of positioning, HMS Core provides more accurate and rich positioning services for financial apps through high-precision integrated positioning. After the mobile banking app under the Egyptian Commercial International Bank integrates Huawei's map service and location service, users can conveniently query the location of ATM machines and outlets through the app. Merchants can also draw geo-fences on the map, and when users enter, analyze the information of the fenced area to achieve accurate push, so that users can enjoy caring and worry-free financial services.
The mobile financial app can also use ML Kit (Huawei Machine Learning Service) to create a new visual and language AI experience for users, and realize functions such as rapid card recognition and binding, real-time language recognition, and virtual synthesized speech broadcast. At present, the ML Kit bank card recognition function is widely used in finance, payment and other card binding scenarios, covering 5 major bank card categories (China UnionPay, American Express, MasterCard, Visa, JCB), supporting special-shaped cards and tilt detection. It can also be used for various card identification, such as Hong Kong, Macao and Taiwan passes, ID cards, residence permits, etc., to quickly extract key information and entry of cards, greatly improving user experience.
At present, Huawei’s HMS Core financial solution is receiving more and more attention from developers. While meeting the requirements of safe and controllable policy guidelines and rapid business development, Huawei will continue to assist enterprises in quickly building stable and high-quality mobile applications. Build a new ecology of financial digitalization.
