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中科金财董事长朱烨东：疫情下的金融机构如何搭建零接触开放银行

2020/02/15


2月13日，金融城在线公益直播大讲堂开讲，北京中科金财科技股份有限公司董事长、北京区块链技术应用协会会长朱烨东博士作为首期嘉宾，受邀进行了“零接触银行——疫情下的金融机构如何搭建零接触开放银行”主题课程的精彩讲授。本期讲座直播网络参与达上万人次，众多银行领导干部及业界同仁组团线上学习，引发热烈反响。
朱烨东博士表示，金融的本质就是经营风险、管理不确定性，金融机构应对此次疫情危机，面对高度不确定性的市场环境，需要积极运用大数据、开放银行、区块链、人工智能等新技术与创新商业模式来提升在疫情期间的经营管理水平，全力支持打赢抗疫阻击战。

从2017年开始，银行进入了BANK4.0零接触开放银行发展阶段。朱烨东博士指出，在当前疫情下，商业银行零接触金融服务能力体系的构建将至关重要，尤其是零接触零售金融业务的开展能力，既是商业银行降本增效和业务转型的有效举措，又是未来商业银行应对流行疫情并持续提供金融服务的重要保障。API银行是调动全社会开发者，为银行抢占场景端数字化转型新营销机会的唯一方式。

在疫情期间，API超市可使银行快速地与当前符合抗疫的业务流程及新的IT系统实现对接，整合疫情期间受到国家支持与鼓励的生鲜电商、物流、餐饮集中采购平台、生活用品商城、生产抗疫物资的厂商直供平台等高频大流量入口，极大降低成本获客开户，节省几十亿元的获客投入。

开放银行的本质是场景钱包，通过对开放银行提供的账户、支付、信贷、理财服务能力的统一包装，中科开放银行商业科技云服务解决方案进行定制化的服务能力输出，将银行的开放银行能力嵌入到垂直场景中，满足各行业企业用户的多种交易场景和需求，为企业提供一站式经营服务平台。

开放银行API赋能场景数字化，提供零接触金融服务，在为场景提供基础的账户与支付服务基础上，根据场景所需叠加信贷、理财功能，全面服务场景客户。对此，朱烨东博士以对公业务零接触信贷方案为例，讲解了如何通过将应对防控要点的身份识别、RPA机器人、视频双录、区块链等关键技术运用于贷前调查、合同签署、催收、贷后管理等业务流程关键节点，实现零接触金融服务。

最后，朱烨东博士表示，在疫情期间，企业及个人对于零接触金融服务的需求迅速增长，“零接触银行”的技术变革正呼啸而来，为未来银行实现全数字化运营奠定了基础。未来，银行应持续优化和丰富“零接触服务”渠道与场景，加大对网上银行、手机银行、微信银行等自助服务途径的资源投入与优化整合力度，让服务渠道更加便捷，同时，将金融服务更多地嵌入客户工作、生活、学习等场景中去，提高“零接触服务”的渗透率。


上一篇：中科金财朱烨东：区块链“战疫”的新技术应用场景 下一篇：科技战疫，中科金财全力支持“小汤山”医院信息化建设
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