Digital technologies represented by big data, artificial intelligence, 5G, Internet of Things, and blockchain continue to drive the digital development of the banking industry. Institutions use financial technology to reduce costs, improve quality and efficiency, enhance user experience, and optimize business models.
China Electronic Banking Network has integrated the past year's industry achievements and recent key developments, looking forward to the digitalization trend of banks in 2022, sorting out the seven key words in order: data ecology, digital RMB, 5G news, virtual digital people, opening up and benefiting the people, and industry Finance and Sannong financial scenarios.
01
Data ecology
Recently, Peking University Guanghua-Du Xiaoman Financial Technology Laboratory and 01 Finance and 01 Think Tank jointly released the "2022 Top Ten Global Financial Technology Trends", among which, the first trend is "data is available but not visible", privacy computing helps financial industry data ecological construction.
The demand for data interconnection is rising, and data security policies have been introduced one after another. In 2021, banks such as China Everbright Bank, Shanghai Pudong Development Bank, and Industrial Bank will achieve innovative results in the field of data governance. Data circulation and sharing are the basis for promoting the value and role of data. The "14th Five-Year Plan for Digital Economy Development Plan" proposes "full play to the role of data elements" and other aspects, which will accelerate the construction and development of data element markets and data ecology .
02
digital yuan
At the 2022 work conference held by the People's Bank of China, it was clearly stated among the eight key tasks that "promote the digital renminbi research and development pilot in a steady and orderly manner." According to Zou Lan, director of the Financial Market Department of the People's Bank of China, as of December 31, 2021, there have been more than 8.0851 million digital renminbi pilot scenarios, a total of 261 million personal wallets have been opened, and the transaction amount has reached 87.565 billion yuan.
The digital renminbi (pilot version) APP is on the shelves, the Winter Olympics is launched, employment subsidies, charitable donations, cooperative stock dividends, parking fees... The diversified scenarios of digital renminbi continue to penetrate into various fields of social economy, and gradually become my country's digital financial innovation. New business card".
03
5G news
Lu Di, an associate professor at the State Key Laboratory of Media Convergence and Communication, Communication University of China, pointed out that in the future, after people have a more comprehensive understanding and deeper application of 5G news, banks can do more "smart +" based on 5G news. "business. For example, the intelligent handling of basic business, the intelligent purchase of wealth management products, the intelligent marketing of credit cards, and the intelligent research and development of new products, etc.
Following the successful trial launch of 5G news in December 2020, after nearly a year of hard work, ICBC has made another key breakthrough in 5G news, which is the first batch of operators in the industry to successfully launch the trial commercial environment. Banks such as China Construction Bank, Ping An Bank, Bank of Beijing, Bank of Jiangsu, Bank of Hangzhou, and Shanghai Rural Commercial Bank are accelerating the construction of technology platforms and applications. Submit network resources to form a linkage effect.
04
virtual digital human
The epidemic has prompted changes in the financial service environment and user habits, and the banking industry has actively adjusted the way it reaches and serves customers. Based on artificial intelligence, computer graphics and other technologies, many banks have created their beautiful and professional virtual digital human beings. Virtual digital human technology has gradually become a new window for customer service in the banking industry, a new carrier for business development, and a new game for metaverse exploration. road.
A few days ago, "AIYA Aiya" officially became the AI virtual brand officer of Baixin Bank. She interacted with the CCTV digital anchor Xiao C, shuttled around the office area to take pictures and check in, and led everyone into a digital life that combines virtual and real, opening a more friendly, more Smarter, more secure digital financial services experience.
05
Open to benefit the people
At the end of 2021, China Minsheng Bank and China UnionPay will carry out comprehensive strategic cooperation in the fields of payment product innovation, convenience scene construction, joint marketing, joint risk prevention and joint control, etc., to carry out in-depth financial cooperation for the benefit of the people, and jointly create a platform for user sharing, scene interoperability, and coordinated development. A new paradigm for industry cooperation.
In recent years, banks have successively deployed scene ecology such as clothing, food, housing, transportation, medical care, education, and entertainment. Banks such as China CITIC Bank, Minsheng Bank, and Bank of Nanjing regularly hold various live broadcasts and marketing activities. Non-financial products can extend the services of banks Tentacles to increase customer activity and APP stickiness. Accelerated openness and cooperation among various institutions will make people's work and life more convenient and affordable.
06
Industrial Finance
The digital economy will empower the transformation and upgrading of traditional industries, especially the digitalization of B-end and G-end industries has become the focus of innovation in the new era, and industrial digitization is attracting the key layout of leading technology companies and financial institutions.
Last year, Huaxia Bank established the Industrial Digital Finance Department, which is committed to the innovative development of industrial digital finance, unified undertaking, centralized management, and monitoring of the entire bank's industrial digital financial business. Its branches also established a digital finance department and a special working group for industrial digital finance. Huaxia Bank has built an industrial digital financial technology platform, one end directly connects with customers, scenarios and ecology, and the other end integrates various systems in the bank to realize automatic process digitalization.
07
Sannong financial scene
The person in charge of the Rural Revitalization Department of the Bank of Communications said that banks should not simply rely on "physical outlets" and "crowd tactics" to develop financial services for rural revitalization, but should apply new financial concepts and methods, and give full play to the role of financial technology. Through the construction of platforms and scenarios, Provide rural customers with accessible financial services.
"BoCom Yinongtong" covers policy consultation, credit financing, wealth management, payment and settlement and other services. It is a comprehensive and all-round financial service system created by Bank of Communications for rural areas, agriculture and farmers.
At the end of December 2021, the China Banking and Insurance Regulatory Commission approved the opening of Postal Savings Bank’s direct banking subsidiary, China Post Postal Huiwanjia Bank Co., Ltd. To benefit the public, to create an innovative platform where financial services serve rural revitalization and technology facilitates a better life.
It is worth looking forward to what new service models the independent legal person direct selling bank will bring to the Sannong financial scene.
The new crown epidemic has promoted technological innovation and accelerated industrial transformation. At the same time, the torrent of the digital economy is surging. Facing the intertwined variables and the blue ocean of opportunities, the banking industry will continue to forge financial technology "weapons" to empower the high-quality development of the real economy.
Original Han Xiyu