Inventory of Black Technology in Future Bank Outlets
Do you have a feeling that the changes brought by science and technology are too fast!Taking the bank as an example, in the early years, customers went to the bank's offline outlets to handle business. With the popularity of mobile network, we slowly began to get used to handling business on the bank's online banking and app. Not long ago, JD finance and ICBC proposed a model completely different from bank app - "Scene integrated digital bank". The cooperation between Internet giants and banks has long been nothing new. Bat basically started early, but generally speaking, the cooperation is based on customer acquisition or marketing, and there are few real landing products. In addition to the strategic cooperation, JD finance and ICBC also released two heavyweight landing cooperation, from which we may see the shadow and trend of "future bank".One is an intelligent business outlet. Why don't everyone want to go to the current bank outlets? Because the experience that bank outlets can provide is very limited, it is the place where they line up to do business. If banks can make their outlets as full of fresh experience as Apple stores, it is not a problem for banks to attract young customers.Remember the "unmanned supermarket" that blew up the circle of friends? Brother duck hasn't had a chance to experience it yet, but he can go to the ICBC outlet to experience the "unmanned precious metal store" right away. What do you mean? As we all know, precious metal retail now accounts for a large proportion in the retail business of major banks. When customers come to the bank, our staff usually introduce them one by one, which is time-consuming and laborious, and the effect is very limited.The unmanned precious metal store built by Jingdong finance and ICBC this time greatly enriches customers' offline experience through face recognition, intelligent operation, interactive marketing and other technologies: when entering the store, users can pick up a favorite gold jewelry from the precious metal booth to feel it; At the same time, the high-definition large screen display placed above the booth has synchronously displayed the information of the gold jewelry, including name, weight, material, etc. Customers can view the information they are interested in by themselves. With a wave of the screen, they can "turn the page every other space". New introduction information is constantly displayed, just like being explained by an AI clerk.That's not bullshit. If customers like which product, they can directly scan the code and place an order, and Jingdong will send the product to the door. Be careful when you see Jingdong on the road in the future. Their car contains not only household appliances and drinks, but also gold bars. I don't know what kind of security Dongge will provide to the kids at that time?Another worth mentioning is ICBC Xiaobai digital bank. I don't know how many people, like brother duck, have a pile of bank apps installed in their mobile phones. They can't use them at ordinary times. Once in a while, they don't even remember their passwords. The ICBC Xiaobai digital Bank jointly launched by ICBC and JD subverts the traditional form of bank app. It can be embedded into various forms of Internet environments such as app, circle of friends and web pages in your daily applications. In this way, the bank's services can be scattered into various vertical scenes. For example, when you browse educational websites and next to the information of foreign universities, you can see the study abroad financial module displayed by ICBC Xiaobai. On apps such as tourism and live broadcasting, you will catch a glimpse of the consumer financial products carried by ICBC Xiaobai embedded in the app. You can enjoy the bank's services without jumping out of these scenic spots and hitting the bank app.It may sound like no big deal, but brother duck thinks that this form of decentralization is essentially a change in the concept of banking services in the future - it is no longer to let users find banks to handle business, but that banks appear to help users handle business at any time when users need it.A new function launched by ICBC Xiaobai is very cow x, that is, you can apply for the deposit certificate commonly used for visa application online, and then deliver it home by JD express. The bank's basic business is to make a deposit certificate, but when it is handled at the counter, the younger brother has to work hard for a long time, which will affect the experience of himself and the customers behind him. Sometimes the small teller will lie on the gun inexplicably. It is clearly not his fault, but he will be criticized by the customers behind for no reason: why is this person so slow in doing business? In the cooperation between Jingdong finance and ICBC, in order to improve this, they will open a service: online credit certificate application. Users do not need to apply for credit certificates such as deposit certificates at ICBC outlets. They only need to apply online at ICBC Xiaobai, place an order with one click, and Jingdong Logistics will be delivered home.Brother duck personally thinks this is very good. For customers, there is no need to wait in a long queue. For operators near the cabinet, there is no need to carry the pot. It can kill two birds with one stone. It not only improves the customer's experience, but also saves our staff from some unnecessary misunderstandings. More importantly, through the form of "door-to-door delivery", it has virtually expanded the service capacity of bank outlets.To make "banks understand customers better" and provide "intelligent services" in the scenarios users need anytime, anywhere, is inseparable from the big data technology of the Internet. This is also the advantage of Internet giants such as JD finance. At present, what we know is that in the future network transformation of ICBC, JD finance will provide biological probe face recognition, passenger flow intelligent analysis and intelligent product recommendation. At the same time, this big data will also be applied to the planning and recommendation of ICBC's financial products to improve customers' financial experience.For example, using technologies such as face recognition, machine vision, target tracking and in-depth learning, when users, especially VIP customers, enter the network, they can immediately identify by scanning their faces, and form user labels in combination with customer gender, age, mood, appearance value, leadership type and other user characteristics. According to these user tags, banks can recommend products and services for users, forming an intelligent recommendation effect of thousands of people and thousands of faces.The older generation's demand for banks is "safe and assured", while the young people who are "spoiled" by the Internet now pay more attention to the "convenient" experience. In the future, banking services must take into account these two demands. The significance of the cooperation between Internet giants and bank bosses is here. Brother duck sincerely hopes that there will be more innovations such as "smart outlets" and "unmanned precious metal stores". After all, front-line employees are less scolded, bank business efficiency is higher, more money is made, and customers are convenient and satisfied. Why not?