2020 new year, financial circles there is a new hot words, called "double-line."
The hot word, in fact, Ali cloud presented at the 2020 Mobile Financial Intelligence Summit. At this summit, Ali cloud has launched a dedicated mobile financial solutions to help financial institutions a comprehensive cloud to achieve external scene of financial services and the internal coordination of the "double-line."
What is a "double-line"?
Ali cloud intelligent president Zhang Jianfeng share his understanding of "double-line" at the conference. First, with the employees' online business management for future online; second, corporate clients have always-on, enterprise business must follow such changes, implement time-line.
First, the organization and management online. Today, because of the Internet, because there are clouds, we can do a distributed system, the organization is the same, the organization does not have a technology, it's hard to do distributed. So now online organization and management, intelligent, has become a very big trend.
Second, the business online. Whether you are a bank or, Insurance Ye Hao, Ye Hao securities, the object of your services is already a 24-hour online. Your clients online, your service today how to ensure the 7 × 24 hours? All you can on a mobile business operation, which is the owner of facing problems and challenges.
Why mention the "double-line"?
In the information appears to be very advanced financial industry, many financial institutions did not do the "double-line." Banks and other financial institutions to take the best digital experience to customers, but not the internal management and synchronous digital, mobile.
Exemplified by Banks. At present, most banks are still stuck in the era of PC-based work, without mobilizing and external financial service and internal coordination office are two separate systems, resulting in data can not get a direct impact on the efficiency of the internal and external collaboration. At the same time, although more than 90% of the bank developed a mobile terminal APP, gone mobile, but in the vast majority of financial institutions are faced with difficult-acquisition, APP open rate and other problems.
Ali cloud the new finance for this purpose proposed a new concept of "digital workspaces" and assist financial institutions in the ten important scene:
1、对外提升外部用户服务能力，提升移动端活跃度，提升移动展业能力；
2、连接丰富的生活服务场景，增加客户粘性；
3、提供智能化的营销服务，大幅提升营销效率；
4、实现移动端的智能风控和数据营销和运营能力，提升安全体验，最终实现用户增长和交易量增长；
5、提供统一的移动开发框架和技术，简化移动端的开发运营等。
6、对内增强内部业务智能协同，实现内部业务协作的全面在线化，大幅提升协同效率；
7、打通散落在不同渠道的信息，实现数字协同统一；
8、推动精细化管理，提升总部向下的管理透明性；
9、提供金融安全社交，方便金融机构员工对外交流与沟通；
10、赋能员工，大幅提升效能等，形成数字金融时代的敏捷组织文化。
怎么做才能“双在线”？
1、靠钉钉，实现组织在线，管理在线。在内外协同上，金融钉钉将通过五个在线（组织在线，沟通在线，协同在线，业务在线，生态在线）实现组织内外部的智能协同。
2、靠蚂蚁金服，破解移动端不活跃难题。通过蚂蚁金服，基于场景的运营闭环，可以把目前金融APP的活跃度提高10倍。
3、靠mPaaS移动开发平台。mPaaS小程序生态市场，集合了阿里巴巴经济体已被市场认可的高活场景小程序，这些小程序可以有效促进私域流量、带动低频和高附加值场景的活跃度，实现关键业务的迅速提升。
今天，经过10年的技术淬炼和双11、余额宝、网商银行等业务实践优化，阿里云已经能够向客户提供覆盖云计算基础架构到上层应用架构的全栈式金融级技术方案，以及创新的系列Fintech技术产品。
截止目前，借助阿里云的技术方案，已有上万家金融机构在云上逐步进行数字化转型，覆盖60%保险企业、50%证券公司，以及上百家银行客户，其中已上市的48家商业银行中80%都在不同程度上使用阿里云提供的技术。
Ali cloud will continue to offer a robust set of financial solutions, helping financial institutions to win in the digital economy.