CLP information -5 keywords to see the development trend of the financial industry in 2022

The following article comes from the new vision of financial marketing , Author Jiang

TOP 01

Remote banking

Interpretation and Translation ：

Remote banks are established independently or transformed by customer service centers , Having the function of organizing and operating banking business , With the help of modern scientific and technological means , Customer service via remote means 、 Integrated financial service center operated by customers .

Remote banking is an important entrance to online financial services 、 The connection hub of many service channels , Have a large amount of customer interaction data , Become an important part of the digital banking system .

As a typical representative of smart retail banks , Remote banks are showing customer group positioning 、 User portrait 、 Privacy protection 、 operation management 、 Platform governance 5 term 「 Digital intelligence 」 Ability . The non artificial intelligence service of remote banking has been popularized in the banking industry , There are many banks all over the country .

Over the past two years, the government has also successively issued policies and guidance on the construction of remote banks . Following 2019 year 11 In June, China Banking Association issued the group standard for remote banking 《 Customer service and operation specification of remote banking 》 after ,2020 At the end of, the Association issued 《 Remote banking construction guide 》, Further deepen the implementation of the above group standards , It is also to promote the core competence construction of remote banking 、 Provide guidance to enhance service value .

and 2022 Beginning of the year , Gao Feng, chief information officer of the China Banking Association, also mentioned when attending the press conference of the establishment of the remote banking center of the Bank of Beijing ： In the era of epidemic normalization and digitalization, we are facing a complex business environment , Financial institutions need to open more accounts in remote banks 、 Financial service measures such as financial management .

In a series of policy incentives and 5G Against the background of the times , The remote bank is 2022 The year will surely have a bright future , Financial institutions should seize this opportunity , Accelerate the layout of corresponding channels and expand business , Promote the remote centralization of commercial banks .

TOP 02

Digital RMB

Interpretation and Translation ：

Digital RMB is the legal tender in digital form issued by the people's Bank of China , The designated operation organization shall participate in the operation , Based on the broad account system , Support the loose coupling function of bank accounts , Equivalent to RMB in kind , It has the characteristics of value and legal compensation .

from 2021 year 11 Month so far , Policies and events related to the field of digital RMB have ushered in an intensive release period . The central bank 、 The State Council 、 The opinions and plans issued by various local departments mentioned the construction work related to digital RMB .

Now? , Counting currency （ Pilot version ）APP It has been put on the shelves in major app stores , Wechat also supports multi currency payment , Its application scope is also expanding .

Up to now , The pilot scenario of digital RMB has exceeded 100 ten thousand + individual , Covering living expenses 、 Food and Beverages 、 Transportation 、 shopping 、 Government services and other fields . The scene of digital RMB diversification continues to seep into all fields of social economy , It has gradually become the focus of China's digital financial innovation 「 New business card 」.

And in the spotlight 2022 At the 2008 Beijing Winter Olympics , You can use digital RMB to pay for rich products , Enjoy small mobile payments for convenience . Application of Winter Olympics scenarios , Further accelerated the construction of digital RMB , The attention of the whole industry from the policy to the industry level continues to increase .

With the hot start of digital RMB ,2022 It is necessary for financial institutions to strengthen the promotion of digital RMB in ,「 Prepare for war 」 Digital RMB marketing should be done as soon as possible ！

Therefore, financial institutions need to constantly enrich the application scenarios of digital currency , Such as in mobile banking APP Add payment window 、 Increase the promotion of multi currency applications in outlets , Let the digital RMB be everywhere 、 Within reach , So as to attract more users to choose to use .

TOP 03

5G news

Interpretation and Translation ：

5G The news is that users in the financial industry have increased their traffic , It is a powerful financial service platform . It will become an important business scenario service solution in the financial industry , Help to win customers 、 La Xin 、 Drainage and transformation , Make every SMS more commercial .

At present , Our country is speeding up 5G Network construction , According to experts' prediction ：2022 In China 5G Industrial development will be based on the construction of base stations 、 Network deployment 、 Product optimization 、 Technology development 、 Scene application 、 Green energy saving and other aspects show a new development trend .

among 「5G news 」, As a unique application , It is bound to bring new changes to the financial field .

5G News as a new channel for customers , It can meet more online financial needs , Even revitalize the resources of offline outlets , Form a linkage effect , Such as transfers 、 Pay 、 Financial management, etc . And it is likely to become the 「 Second curve 」, It can replace the traditional mobile banking APP The technical feasibility of , Great potential .

For the customer experience , Users don't need to download APP Or pay attention to the official account to handle various online banking services through the SMS window ; It can also greatly improve the conversion rate of users and reduce labor costs .

At present, banks have been successfully launched in the same industry 5G Operator trial business environment , A number of banks are also accelerating the construction 5G Technology platform and application . Like the Bank of China 、 Bank for economic construction 、 Everbright Bank 、 China safe 、 Bank of Communications 、 China Merchants Bank 、 Many large financial enterprises, such as China Southern Fund, have upgraded their intelligence .

future , The financial industry can be found in 5G Do more on the basis of messages 「 intelligence +」 Business . For digital transformation 、 Smart upgrade 、 Integrated innovation provides solid support .5G news , Future period ！

TOP 04

Meta universe

Interpretation and Translation ：

The metauniverse is a virtual world parallel to the real world and highly interconnected , Through a series of augmented reality 、 Virtual reality and the Internet .

「 Meta universe 」 The concept suddenly exploded . It makes the idea of transforming the virtual world into reality come true , More and more financial institutions enter the universe , And took the lead in opening a series of meta universe marketing .

At present, there are Zheshang Bank 、 Bank of Jiangsu 、 Baixin bank 3 A commercial bank has set up a meta universe . Take Baixin bank as an example ,2021 By the end of year , The bank's first virtual digital employee AIYA（ Aiya ） Official appointment 「AI Virtual brand Officer 」, Bring more friendliness to users 、 More intelligent 、 More secure digital financial services .

In the eyes of insiders , Yuancosmos as the next generation Internet , Future interaction with customers in the bank 、 Major changes may take place in the way of products and services , The impact should not be underestimated .

For the banking industry , The primordial universe is a great opportunity , Combining with business has huge imagination space . Liuyang from Shenzhen banking and Insurance Regulatory Bureau said , More and more users contact with banks not through physical outlets , But all kinds of banks APP, The future is more likely to be an immersive application of the meta universe , Therefore, follow the direction of industrial digitalization and meta universe to do the extension of scene finance , Or connect to a wider customer base .

All in all , In terms of experience , The metauniverse helps to create an unconscious experience 、 Gamification of financial products , Be able to provide immersive customer companionship , And supplemented by advanced calculation methods , Let financial products be created in real time . On Interaction , The way we interact with our customers will also change a lot , Virtual digital human 、 The virtual business hall will become a key factor in the competition among banks .

At present, the metauniverse is still in the conceptual stage , How commercial banks combine with the meta universe , It will take a long time to explore . Perhaps in the future , Metauniverse marketing will become more concrete and popular , Let's wait and see .

TOP 05

Digital marketing

Interpretation and Translation ：

The so-called digital marketing , Means by means of the Internet 、 Computer communication technology and digital interactive media to achieve marketing objectives of a marketing approach , It is also the development focus of many financial institutions at present .

「 At present, small and medium-sized banks should focus on improving their digital marketing ability , This is an important ability to determine the future life and death .」 Last month, , Held in the new financial alliance 「 Difficulties and breakthroughs in the digital transformation of small and medium-sized banks 」 In-house workshops , A president said .

Have the whole world in view , Global banking has stepped into 「Bank 4.0」 Time . Facing the coming wave of digital technology revolution , Take the sail of digital marketing , Promoting digital transformation has always been a topic for the banking industry .

Digital marketing can help financial institutions effectively improve the promotion efficiency 、 Steadily improve brand awareness and user viscosity 、 cost reduction . Today, digital transformation is in full swing , Major banks have realized the importance of digital marketing , They are using digital means , Help the development of online marketing , It has brought a large number of successful cases to the industry .

however , The marketing investment shall be consistent with the bank wide business plan 、 Match the development goals . Some marketing activities can win some customers in a short time , Play the effect of improving performance , But it needs long-term accumulation . Only long-term digital marketing , Form a complete system , In order to become characteristic 、 Internal and external agility 、 Global intelligent regional digital bank .

As the digital marketing technology becomes more and more mature , Financial institutions are bound to increase investment in digital marketing , Realize overtaking on curve , Take the lead in digital transformation .