The client is in in business ministry of branch of letter bank Hangzhou conducts business through wisdom bar.
Uptake of wisdom finance station, interactive let efficiency fly litre
Science and technology endows with can: Allow conduct financial transactions for client picture essence
Recently, be in Hangzhou in the hall of an office building, bank clerk is handling credit card for consumer. "This is us new introduced mobile bar, the function is powerful, many business that must want to be dealt with in the site previously are OK and direct deal with on this ark machine. " staff member say, and the ark engine that places on the table compares notebook computer only largish, information is typed, identity identifying, sign wait for a service to be able to be finished quickly.
In fact, data makes clear, add as demand of traditional ATM machine fast put delay, have big high speed to access paragraph, hairpin, turn the function such as Zhang, inquiry, support bankbook, deposit receipt, check, can buy conduct financial transactions and undertake conduct financial transactions evaluates those who wait for characteristic business module to upgrade edition cash kind intelligent equipment sadly arisen, wisdom finance is changing financial industry condition, the alternate of new technology, carrying brand-new user to experience mode for finance ceaselessly.
Bank site:
"Chunk head " increasing
"Handle card now how so fast, a few minutes are done decided. " in labour travel machine of ark of one site intelligence is spat when a piece of deposit gets stuck, citizen tall aunt still does not believe a bit, "Need not queue up now, want to taking id card only, blink to this machine it is OK to blink an eye. " really, the experience of tall aunt also is numerous user the impressions to instantly bank site. Mention a bank before, certainly will wants authority obligate gives big time queueing up, but business of a lot of bar can give now intelligent ark opportunity will be handled quickly.
"We do business the ministry is in early went up 2015 line intelligent bar, everybody can see into the door, handle card, turn Zhang of what can undertake here, very convenient. " in the staff member represents business department of branch of letter bank Hangzhou, these " chunk head " to the user the province left many time. Besides intelligent ark machine, still have the line on the bank robot. "Welcome aboard! I am charming, be honoured to serve for you very much, what can help what you deal with excuse me? " walk into traffic bank Hangzhou some site, greeting those who come is not old hall director, however a robot. "So advanced, did not think of to still can be mixed it speaks simply. " citizen plum gentleman patted a photograph to upload friend circle to the robot, and follow the young son that he conducts business together is full of curiosity to the robot, do business till Mr Li, he still be reluctant to part with.
Machine of ark of robot, intelligence is walking into bank site ceaselessly, bank hopeful greets wisdom to erupt period. 2017, each digitlization that big bank accelerated each integrated business and wisdom turn country transform. It is reported, labour travel, Agriculture Bank, medium the travel, big travel such as the Construction Bank to super ark machine purchase showed 2017 erupt type grows. And as the Construction Bank " unmanned bank " appear, future, the intelligence of the bank is changed transform more will fast and comprehensive.
Meanwhile, the technology that supports wisdom bank to develop backside greatly also is in ceaseless iteration. A few days ago, zhang Xiaodong of director of Wu Zhenzhi library holds in Hangzhou " new industry economy " the peak was published on the meeting " new structure of global artificial intelligence " speech, he points out, since 2000, china adds artificial intelligence company newly 2059, among them, add a company newly 5 years recently 1623, this shows artificial intelligence industry grows in what got advance rapidly in last few years. In the meantime, zhang Xiaodong points out on the meeting, hangzhou entered the first echelon formation that industry of countrywide artificial intelligence grows, "Hangzhou AI talent sheds unfavorable balance of trade to cross Guangzhou, the platoon is after Beijing, Shanghai, Shenzhen. The platoon is after Beijing, Shanghai, Shenzhen..
The development of burgeoning technology and dilate, the great change that lives for finance lighted a fuse. It is artificial intelligence not only, the technology such as catenary of computation of big data, cloud, area piece is in endow with for finance ceaselessly can.
Mobile phone bank:
The eye is blinked can login
"Entry way of APP of mobile phone bank is simpler and simpler now, the eye is blinked can login. " Ms. Zhang laughs at the citizen say, "I am a very forgetful person, login to want a hand to use input code every time before, but I should forget every time, can ground replacement password, OK later dactylogram logins, can brush a face to login now, be more and more convenient really. " the person that Ms. Zhang sighs with emotion so is absent a few, rely on artificial intelligence, the user of the financial orgnaization such as the bank experiences the change of occurrent world-shaking.
In small letter open of function of credit card reimbursement collects fees after the service, more and more consumer return to bank APP. "In my impression, bank APP should be more inflexible, move slower also, I am so general can need not need not. " Mr Lin represents consumer, "But I downloaded APP of bank of a few mobile phones recently, their function lets me look at with new eyes simply. " Mr Lin opens APP of a bank, revealed its powerful function to the reporter.
"APP of bank of this riverside hair is OK speech control, want to speak my demand to it only, let it recommend product of a few conduct financial transactions for instance, APP can jump out relevant information, I do not need to resemble going in that way before again column of menu of one layer upon layer search, very convenient. " Mr Lin was saying to demonstrate, the response of APP is very quick.
It is reported, this intelligence APP still introduced dactylogram to login, person face identifies wait for an advanced technique, in addition, the user still can be passed " brush a face " come true on mobile phone bank big turn Zhang. Turn according to the user Zhang risk grade, APP general is additional on the foundation of dynamic password attestation undertake brushing attestation of facial across sex, assure big trading security, to consumer, artificial intelligence was capital safety to go up a intelligence lock.
"AI is cast " this one function begins from last year, hold position on APP of bank of each old mobile phone ceaselessly. "AI is intelligence casts the meaning that consider, also be called robot conduct financial transactions. " division of conduct financial transactions of a bank tells a reporter, "A lot of banks rolled out this business now, this function can bear according to the client's risk the index such as accrual of target of ability, investment, apply big data and investment combination to turn a model, configuration of the behavior of investment conduct financial transactions of concrete analysis client, asset distributings wait for a series of data, recommend appropriate intelligence finally to invest combination to the client. Recommend appropriate intelligence finally to invest combination to the client..
For client picture:
Without science and technology not finance
Not long ago, the Central Bank released a group of data, show the dweller is new in May before this year add short-term consumption to borrow money 863 billion yuan, compare the corresponding period added 171.1 billion yuan more last year. This group of data show consumptive demand of the dweller is increasing on one hand, also explain on the other hand " flower lending money " more and more convenient.
Once, to financial orgnaization loan needs to submit a share data, sign countless names. Borrow money now more and more convenient, below a lot of circumstances, mobile phone dot can be consumed quickly to Zhang, of the technology newer, also stimulated the consumptive appetite of consumer on certain level, "Without science and technology not finance " the consensus that making industry.
"Small fund, I brushed credit card to solve directly commonly, a bit bigger go to mobile phone bank applying for loan, the credit that applies before me is to bind those who decided accumulation fund data, examine and verify is very so fast, loan is very fast also. " citizen plum lady expresses, she applied for 150 thousand yuan of credit to be used at buying a car through the APP of mobile phone bank of Hangzhou bank a few days ago, "Along with borrow along with still, the experience is good. The experience is good..
In fact, financial science and technology let consumptive experience of the individual have huge improvement not only, to industry financing, financial science and technology also is driving roll booster. Supplying catenary finance is not new thing, but after carrying new technology, supply catenary finance to be able to solve the financing difficult problem of countless medium and small businesses however. "Sheet protects the storehouse that we carry business of the storehouse odd impawn that supplies client of catenary upper reaches, core to buy and appear on the market the mode of reveal all the details of the company, the enterprise that goes up to supply chain solved financing difficult problem. " a staff member of bank of the people's livelihood tells a reporter, catenary case is supplied in this in, the bank used big data to analyse a model, controlled a venture effectively, supported hypostatic economy truly.
"In financial industry, the problem such as false bill, multiple impawn often is exposed, in note market, return meeting occurrence idling to cover the phenomenon of benefit, stem very hard with financial measure these flaw, but area piece catenary can break these black boxes. " Li Qilei of CEO of company of science and technology of Hangzhou interesting catenary expresses, "The digital sign one's name that area piece catenary uses high strength will do assure, natural the problem that solved bill to prevent bogus. " be in " saliva battle " medium area piece catenary, can solve real problem for the enterprise from the technology however. It is reported, this company already signed strategic cooperation agreement with a lot of bank. From arrive for individual picture for company picture, the antenna of science and technology is touching each corner in amounting to financial scene, user experience also is in constant change.
