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Enterprise Dynamics

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“开放银行”时代来临！中科金财赋能商业银行数字化转型与创新

2018/12/13


创新是商业银行长期发展的基础，围绕客户需求的升级和经营效率的提高，商业银行一直在尝试创新的商业模式结合领先的金融科技为用户提供场景化的金融服务,而开放银行便在这种背景下诞生。


开放银行是银行数字化转型实践下的一种“互联网+”创新商业模式，商业银行透过移动互联网将数字化金融服务能力输出给第三方，银行不必直接面对客户，而是通过第三方合作伙伴为客户提供服务。一方面，通过合作银行赋能第三方合作伙伴拥有数字化金融服务能力，可开发出符合自身定位、具有更大应用价值的衍生产品，实现“众人拾柴火焰高”的效果；另一方面，银行充分借助第三方公司App应用等渠道，将其视为金融服务及产品的推广渠道，可以把App用户转化为银行的潜在客户。


通过创新的合作模式，银行能够大量获取客户和第三方真实的场景消费信息，可以为分析客户需求、形成客户画像数据、定制营销策略、提供个性化的金融产品奠定坚实的基础。


△ 银行数字化转型路径


开放银行的打造是需要银行数字化转型和创新能力的支撑。当前，中国银行业正全面迈入数字化、智能化银行阶段。银行数字化转型主要解决两个核心问题：对外的用户体验和对内的业务效率。对外面向长尾客群，整合多渠道让业务数字移动化，并结合场景化金融服务，打造更具粘性的用户体验。对内面向业务流程的不断优化，采用互联网架构设计思路并不断优化商业银行的IT架构，并将金融服务标准化，使得IT系统具备快速的产品组装工厂能力。


银行数字化并不是简单的将线下网点的业务搬到线上,是要从银行自身的数字化战略和未来的目标谈起,剖析数字化转型的本质,详细规划数字化IT战略和IT架构,设计合理而有效的实现路径,以及每一个重要时间点的目标和结果检验标准。


中科金财团队利用多年来积累的行业经验以及结合自身在金融科技领域数字化转型的实践,协助商业银行客户梳理、明晰准确的数字化IT战略框架,并量身定制符合商业银行客户自身战略发展需要的数字化银行IT架构体系。具体思路概括为“小前台,大中台,支撑后台”。



△ 中科金财“小前台、大中台、支撑后台”服务思路


通过设计数字化移动前台,建立银行“超级App”,以掌银、信用卡、理财、信贷、支付、缴费、商城、客服等多样化场景服务提供最佳用户体验。用户至上的体验中台,“前店后厂”的业务中台,“精确制导”的数据中台,生态赋能的开放中台（API中台）,四为一体形成数字化银行的大中台。通过分布式、弹性的云技术架构,构建敏捷的数字银行后台应用,实现高可用、高性能、高扩展的新一代银行基础架构。


同时,中科金财团队协助商业银行从体验创新、科技创新、生态创新及组织创新这四条路径切入,并结合中科金财全媒体智客服、智营销、机器人流程自动化(RPA)、反欺诈/反洗钱、直销银行及零售银行网点转型等领先的数字化、智能化解决方案,为商业银行数字化转型提供持续的动力。

今天看来，成功的数字化银行除了要具备极佳的用户体验和深入的数字洞察力外，面向场景化金融服务,丰富的开放生态，联合不同领域的第三方合作伙伴提供综合化的金融服务,并将银行的金融能力输出,更是必不可少的条件。开放银行作为一种新的商业模式，必然将引领中国银行业的未来。


上一篇：暖心！中科金财收到一封“点名”表扬信~ 下一篇：“开放银行”来了！中科金财助力金融科技进入流程机器人时代
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