Upgrade the world from Hongmeng system

Chapter 249 Entrepreneur Investigation: Smart Bank

In the morning, they visited the smart terminal, and in the afternoon, the officials arranged to visit the smart bank. Everyone took a bus to the financial headquarters of a certain bank in Pengcheng.

The leaders of the bank personally received the delegation and shook hands with everyone.

The first stop of the visit is arranged in the bank intelligence reception hall on the first floor of the financial headquarters.

Bank leaders began to introduce the concept and operation of smart banks, "Smart banks are the advanced stage of traditional banks and online banks. They are the products of banking companies using intelligent means and new thinking modes. , new products, new operations and business models, realize economies of scale, improve efficiency and reduce costs, and achieve effective customer management and efficient marketing performance.”

"The supporting platform of a smart bank is a smart portal. Its main features are socialization, intelligence and diversification. The goal is to enhance the core competitiveness of the bank, promote the deep integration of information technology and business development, and promote business innovation, product innovation, Service innovation, process innovation, management innovation, enhance sustainable development capabilities, and provide the public with rich, safe and convenient diversified financial services.”

"Our smart banking technology has been at the forefront of the world, adopting an open mind of independent research and development, relying on the close combination of artificial intelligence and expert wisdom to solve problems. In addition to the intelligent algorithm model of artificial intelligence that continuously improves itself through machine learning, there are also Integrate many expert teams of bank investment consultants to use manual intervention to dynamically correct possible deviations of the artificial intelligence system; adopt the tight integration of online and offline, the system intelligently recommends standardized product portfolios online, and there are financial managers offline to undertake consultations at any time. "

"Smart Bank has innovatively created a new platform for online interaction, extending the services of physical outlets to online, realizing the close connection between online and offline, and is committed to selecting the most suitable channel to meet customer needs at any place and at any time. .Intelligent process, from appointment recommendation, identification guidance after arriving at the bank, one-click transaction instant processing, completes the perfect transformation of outlets from single channel to multi-channel collaborative processing.”

Everyone visited the business hall. The biggest feature is that there are many robots. The business is handled in a point-to-point manner on the sofa. Most of the people who come here to do business are old people. With the guidance of robots and bio-composite identification technology, Non-cash transactions are processed very quickly.

"Wu Hao, what do you think of Wisdom Bank?" Liu Hanqing asked.

"The underlying logic of a smart bank is digitalization of bank windows, intelligent branch services, cloud-based financial services, modeling of investment risk control, networked daily services, and everyday life of application scenarios," Wu Hao concluded.

"More digital banking windows will appear on the Internet, such as virtual world banks, real-world virtual currencies, smart cloud terminal financial services, etc., so that people's consumption, payment, social networking, medical care, housing, travel and other life scenarios can be easily realized. Through various smart terminals, various services can be quickly completed, such as paying convenience store bills through smart bracelets, using iris recognition, opening payment authorization, etc.

"Combined with biometric composite identification technology, we will be able to complete most of the banking business without smart terminals in the future. We don't need to carry a smartphone everywhere we go, and look for power banks everywhere when we run out of battery."

"Intelligent outlets will use many cloud robots. In the past, to handle business, you need to go to the smart terminal to complete it. Now with the 5G network and the cloud device solution, the functions of the smart terminal can be integrated into the cloud robot. The degree of intelligence has been greatly improved. A lobby manager who trains a bunch of cloud robots to serve customers will become the norm, and queuing for business will soon become a thing of the past.”

Bank intelligence will have huge room for improvement in terms of digital currency, digital identity, and digital business. Especially after the popularization of quantum communication, bank data will be authoritative. By then, the financial order of society will be more standardized, and circulation will be more efficient. fast.

After participating in the smart outlets, the bank leaders led everyone into the data center for a visit, where you can see rows of servers through the floor-to-ceiling glass windows.

"Smart banking is the carrier of smart finance, supported by data, so that management is under control. Our bank makes full use of big data and artificial intelligence to track and analyze fluctuations in customer flow and business efficiency in the background, and provide intelligent management data for manpower deployment. , better match the actual needs of customers, and reduce the waiting time of customers."

"In terms of investment risk control, the earliest application of artificial intelligence in the field of intelligence is in the field of intelligent investment. By establishing a large number of mathematical models, quickly capturing market opportunities, and making trading decisions by intelligent brains are the secrets of our success."

"It can be said that finance is one of the best natural application scenarios for artificial intelligence. Compared with quantitative investment based on huge and complex data, in the Internet age, the highly fragmented needs of financial consumers will be larger in scale, and the cost of acquisition will be larger. It is cheaper. More importantly, the wide application of big data methods is changing the relationship between risk identification and risk warning in traditional financial institutions.”

"Currently, traditional finance has shifted consumers' attention from the supply side of the market to the demand side, and has begun to complement the large-scale growth under the Internet economy. This new long-tail production method uses technology as the main driving force and data as the basis, and the data shows The risk control capabilities and operation and maintenance costs have brought more possibilities for the innovation of traditional finance.”

Finance affects every aspect of our lives. It can be said that financial institutions are everywhere. Such an industry is also the first to achieve complete digitalization, and its impact on our lives will continue to strengthen in the future.

"Wu Hao, what do you think are the future opportunities for the bank's development?" Liu Hanqing asked.

"The opportunity for banks, or financial institutions, lies in the deep integration with life scenes, linking financial services with daily life scenes, and deeply integrating them into smart campuses, smart medical care, smart logistics, etc., to help the construction of smart cities .” Wu Hao explained the future trend.

Financial services are closely related to life. Only by entering into life, integrating into life, and being close to life can we win the trust of the people and win the support of more people.

In the field of financial risk control, big data analysis, artificial intelligence screening data models, forecasting financial market trends, analysis of consumption scenarios, and prediction of consumer behavior habits are all promising.

"Senior Sister Liu, I heard that your group has a deep presence in the financial field. Why haven't you seen any relevant product introductions?" Wu Hao asked.

"The group's business here is mainly concentrated on data servers, which belongs to the business of Logan Tengfei. In terms of intelligence, there are no mature products yet."

Liu Hanqing was also very anxious, artificial intelligence is the future.

(End of this chapter)