With the arrival of the new pattern of "double cycle" development, scientific and technological innovation has become an important driving force to promote high-quality economic development, especially in the financial industry. Recently, the Notice on Deepening the Project of Improving the Financial Service Capability of Small and Medium-sized Enterprises issued by the Central Bank pointed out that banking financial institutions should increase investment in science and technology in inclusive finance and innovate characteristic credit products, which shows that science and technology is a sharp weapon for the development of the financial industry.
At present, technology has been widely used in financial ecology, including retail credit, insurance, guarantee and even capital market. Among banking financial institutions, "King of Retail" and "Cosmic Bank" were born. Among non-bank financial institutions, especially licensed consumer finance companies, who will become the veritable "king of technology" in this wave of technology?
Seize the opportunity in the tide of science and technology
In fact, this is a comprehensive contest, which puts high demands on licensed consumer finance companies in terms of strategic layout, scientific and technological strength, scientific and technological talents and organizational structure.
In recent years, with the progress of next-generation technologies such as artificial intelligence, big data, cloud computing and blockchain, financial institutions including licensed consumer finance companies are increasing their investment in science and technology, introducing a large number of scientific and technological talents, increasing capital investment, and reaching in-depth cooperation with technology companies to strengthen endogenous creation.
Looking at the whole consumer finance industry, the scientific and technological strength of instant consumer finance (hereinafter referred to as "instant consumption") is in the forefront, and it is expected to win the first opportunity in this reform.
From the perspective of strategic layout, at the beginning of its establishment, it immediately adopted the strategy of "independent research and development of science and technology" by a show of hands, and it has risen to the core strategic layout of the company, keeping up with the national strategy and always keeping the core technology in its own hands; At the same time, with the help of scientific and technological means, we will improve the level of financial services, reduce costs and increase efficiency, and strive to become a technology-driven financial institution.
From the perspective of scientific and technological strength, up to now, more than 330 patent applications have been submitted immediately, more than 900 core systems have been independently developed, and 74 soft copyright registration certificates have been obtained, covering intelligent customer service, intelligent marketing, intelligent collection, intelligent risk control and other scenarios. Consume immediately and continue to build leading scientific and technological capabilities, widely apply science and technology to its own business, and export scientific and technological innovative products to the outside world, maximize the driving ability of science and technology, and promote the improvement of scientific and technological level and the high-quality sustainable development of industry ecology.
In addition, Instant Consumer has also set up a science and technology laboratory in conjunction with eight scientific research units including Nankai, Huake and Chinese Academy of Sciences to conduct in-depth exploration in many fields such as face recognition, NLP and vision.
Scientific and technological innovation can never be separated from talent drive. Up to now, there are more than 1000 instant consumer technology talents, including more than 300 risk control teams, and a group of international and domestic experts and scholars from large banks and large Internet companies have gathered. In order to strengthen personnel training, Kyle Da Research Institute was established immediately, forming 1 development center and 6 distinctive research centers, realizing the two-way drive of "personnel training+scientific research and development".
Gather talents from all over the world and use them. In April this year, Instant Consumer also launched the "Homecoming of Tired Birds" activity of Instant Alumni Association, throwing an olive branch to the resigned employees, which fully reflected that Instant Consumer attached great importance to talents.
The scientific and technological strength of licensed consumer finance companies can also be confirmed by authoritative certification. Instant consumption is not only recognized as a high-tech enterprise by the Ministry of Science and Technology, but also as a key task winner of the new generation of artificial intelligence industry innovation by the Ministry of Industry and Information Technology, and has also won honors such as provincial and ministerial key laboratories.
Technology empowers and leads the future.
The scientific and technological strength of spot consumption is not only the internal driving force to improve its own financial services, but also an important external help for the digital transformation of financial institutions.
In the era of digital economy, the banking industry is facing digital transformation. Whether it is state-owned banks such as Industrial and Commercial Bank of China, China Construction Bank or joint-stock banks such as China Merchants Bank, they are accelerating the digital strategic layout and gradually deepening the penetration of science and technology in the financial industry.
As the name implies, digitalization refers to the process of converting information into digital format, which transforms an object, image, sound, text or signal into a series of discrete points or samples represented by numbers.
At present, the digital transformation of financial institutions focuses on the intelligence of the whole process of retail credit business such as risk control, customer service, marketing and collection, especially the digital transformation of customer acquisition and risk control has become an important breakthrough point for the secondary growth of financial institutions.
After years of accumulation, mature scientific and technological capabilities are immediately consumed in upgrading their own business, and at the same time, export services are provided to help financial institutions transform digitally.
Consumers immediately joined the game, relying on the four core driving forces of artificial intelligence, big data, cloud computing and blockchain, and built "one cloud" and "three intermediate platforms", namely, the immediate financial cloud and AI intermediate platform, the big data intermediate platform and the business intermediate platform, and also launched the open platform strategy, realizing the technological opening of intelligent finance, intelligent interaction, cloud platform and intelligent services. The latest data shows that there are more than 200 cooperative banks and financial institutions that consume immediately.
Taking intelligent wind control as an example, we immediately independently developed Luma wind control system and G! Colo intelligent post-loan management system and other systems, a new generation of big data intelligent risk control platform, can effectively and accurately identify anti-fraud risks. Relevant data show that its intelligent risk inspection has reached 800 million+person-times, and the accuracy of face recognition is as high as 99.99%. The accuracy of voiceprint recognition is 98.20%.
On the whole, the digital transformation of financial institutions is a process of reducing costs and increasing efficiency, which coincides with the business philosophy of spot consumption and forms a light asset model of "self-management+financial cloud+open platform".
Digitalization and intelligence have become the main theme of the current financial industry, and as the core competitiveness of high-quality and sustainable spot consumption, the opportunities of science and technology in the 10 trillion scale track will be continuously tapped.
This article comes from Caijing.com.