From 2020 to 2022, known as the "Golden Three Years of Xinchuang", Xinchuang Construction will focus on key areas such as party and government, finance, education, telecommunications, and medical care, and carry out independent research and development of its core software and hardware technologies and technical standards to achieve originality. substitute. The financial industry has exerted its usual cutting-edge power of technological innovation, made top-down and bottom-up efforts, and quickly accumulated a lot of valuable practical experience in the field of information innovation. Relevant research institutions predict that in the critical period for the development of financial information innovation in the next few years, about 5,000 financial institutions across the country will join the information creation army. It is expected that by 2025, information innovation basic software and hardware will account for a large proportion of IT outsourcing by financial institutions. Reach 50-65%.
In the infrastructure construction of bank information innovation, database and middleware are the most important links in the industry chain. The migration and transformation from centralized databases to distributed databases, represented by the banking industry, is not only an inherent part of financial innovation, but also an inevitable requirement for the “retail-oriented” transformation of the banking industry. According to people from financial institutions, after the distributed database upgrade, costs have been significantly reduced by 75%, analytical big data processing capabilities have increased by 300%, and the ability to cope with business peak periods has been greatly improved.
The proposition of ecological construction is still important
There is no ecosystem and no platform.
The construction of banking apps has reached a stage where it is necessary to deeply cultivate traffic. Simply relying on the financial services provided by banks cannot retain users with increasingly diversified choices. Ecology is the key to deeply cultivating users and attracting more loyal users. Why you say this is obvious when you look at the ecological construction of WeChat and domestic operating systems:
Since the WeChat mini program was launched in 2017, its ecosystem has developed and grown rapidly. As one of the largest social platforms in China, WeChat has a huge user base. As part of the WeChat ecosystem, WeChat mini programs naturally attract a large number of users. According to statistics from public information, the number of mini programs on the entire network has exceeded 7 million in 2021, of which WeChat mini program developers have exceeded 3 million, and mini program DAU has exceeded 450 million; the average daily usage has increased by 32% year-on-year, and active mini programs have Programs grew by 41%, and the mini program ecosystem has created new growth space.
Similarly, the UOS operating system announced in the past few days that the number of UOS UOS software and hardware adaptations has rapidly exceeded 3 million, setting a new record in the history of domestic operating systems.
Mini-program banking app to achieve rapid introduction into the ecosystem
Compared with traditional native application development technology, mini program technology has the advantages of being lightweight, rapid development, cross-platform, no installation required, and more user-friendly. Mini programs do not require users to download and install them. At the same time, the development cost of mini programs is relatively lower, the development speed is faster, and it is easier to maintain and update. Mini program technology also supports cross-platform operation and can run on multiple mobile devices at the same time, greatly expanding the coverage of applications and bringing greater business value to enterprises and developers. Some of the more well-known mini program container technology products on the market include: WeChat, Alipay, Baidu, Douyin mini programs, etc. They are all designed to improve the technical base of large social platforms’ own mini program ecology and can provide third parties for privatized deployment. The products include: FinClip , mPaaS and other products. It is understood that FinClip's self-developed mini program container technology can enable corporate apps to quickly run mini programs. Their SDK can also be embedded in functional device terminals other than apps (such as Linux, Windows, MacOS, Kirin etc. operating system).
One of the open banking trends: Super App
A super app is a mobile application that integrates multiple functions and services, providing a wide range of services and experiences on one platform. Super Apps usually have a large user group and a highly active user community. By providing convenient and diverse functions, they attract users to complete multiple tasks and meet multiple needs in one application.
Compared with traditional single-function applications, the characteristic of super App lies in its diversity and comprehensiveness. Super Apps not only provide core functions, such as social networking, payment or travel, but may also integrate other services, such as e-commerce, food delivery, finance, etc. This comprehensiveness allows users to complete multiple operations in one application without having to switch between different applications.
The business value of super apps to the global economy is huge.
First, it promotes market innovation and competition promotion. Super App provides a more comprehensive, convenient and integrated user experience by integrating multiple industries and services. They drive innovation and competition in the market by introducing innovative business models and technological solutions. Secondly, it provides employment and entrepreneurial opportunities. The development of super apps has created a large number of employment and entrepreneurial opportunities for the economy. They not only require a large number of technical development and operation talents themselves, but also promote the development of related industries, such as travel, catering, logistics, etc. At the same time, it also optimizes supply chain and logistics to a certain extent. Super App optimizes supply chain and logistics management through digital and data-driven methods in various industries. They provide more efficient distribution and delivery services, reduce operating costs and time, and increase efficiency and customer satisfaction.
The development of the mini program application scenario ecosystem has benefited from the development of open source technology and in response to actual business needs for rapid development. Some cross-end frameworks such as Electron, wxPython, FinClip, Tauri, Flutter, etc. have also developed very rapidly. The mini program ecosystem + cross- The end technology framework can not only meet the flexible technical construction of its own super App and quickly introduce third-party ecology, but also connect all connectable applications through mini program container technology.