In recent years, with the rapid rise of Internet finance, commercial banks promote the light, intelligent, characteristic, and community-based transformation of the network. Under the new normality of the banking industry, it is an inevitable choice for each bank to embrace the age of financial science and technology.
Beijing Commercial Daily reporter noted that more and more commercial banks put resources on intelligence and online services. In 2014, Xingye Bank launched the "intelligent counter". It is reported that the intelligent counter has more than 80 functions, which can support most of the non cash transactions, such as debit card opening, transfer remittance, electronic bank signing and card exchange applications, real precious metal sales, and financial products purchase and purchase.
In June 2017, the first intelligent network branch opened in Wuhan, which realized the information push and intercommunication between the intelligent machine tools, the counter system and the mobile terminal three. In this mode, the customer service no longer needed the queuing number and the frequent circulation of the posts. In addition, Handan bank, Shanghai Pudong Development Bank and Ping An Bank are trying to break through the barriers of traditional financial industry and create intelligent new stores.
For the reasons for the transformation of commercial banks, Liao Hekai, an analyst at the golden music function Mdt InfoTech Ltd, told the Beijing commercial newspaper that the reason for the intelligent reform of the bank network is because the changes brought by the Internet era brought new challenges to the development of traditional banking, and also brought new direction for development, the other is the other. Now, the bank turnover rate is relatively high, and the cost of personnel is also high. Intelligent reform is also complying with the new situation in the new era.
"On the one hand, the development of financial science and technology is very fast, network intelligence can improve the efficiency of business management; on the other hand, the intelligence of the bank network is also the goal of the development of the bank's light development, which can reduce the operating cost of the network." Zhao Qing, a senior researcher at Suning Financial Research Institute, admitted.
