Bank layout meta universe: digital collections, digital employees become the main track!

Metauniverse expands the imagination of financial institutions in product innovation .

At present , The service homogeneity of financial institutions is obvious , Therefore, many organizations try to stand out in the differentiated competition , Whether it's the scene of virtual financial services or new asset transactions , There is no small possibility .

Whether it is a large state-owned bank or a joint-stock bank , Or city firm 、 Rural commercial banks and other small and medium-sized banks , Digital transformation and financial technology empowerment have become a strategic point to improve service quality and efficiency , The exploration of the meta universe also provides a new soil for its practice , Digital Banking 、 Digital collection 、 Digital employees have launched .

however , Insiders also told reporters that , While actively accepting new things , We should also be alert to the new risks and challenges it brings ,“ Judging from the domestic situation , Digital collections have become an important channel for financial institutions to undertake digital assets of the meta universe , With the permission of Supervision , The landing and operation modes of other digital assets have yet to be developed ”.

The so-called digital collection , Refers to the use of blockchain technology , Corresponding to a specific work 、 Unique digital voucher generated by artwork . On the basis of protecting its digital copyright , Realize real and credible digital distribution 、 Collection and use , In essence, it can be compared to a kind of with Chinese characteristics 、 In line with the requirements of China's supervision NFT（ Heterogeneous token ）.

State owned enterprises

Enter the digital collection

recently , Postal Savings Bank Shandong branch and Shandong's first state-owned digital collection trading service platform “ Seals count ” Achieve strategic cooperation , Become the first bank in Shandong to enter the field of Yuan universe digital collection . according to the understanding of , It will be an independent parent brand IP Log in as a digital collection “ Seals count ” platform , Using blockchain, big data and other technologies , The first batch of 5 A limited digital collection .

besides , Digital savings bank of Shandong Province branch AI The release of brand recommender is also on the agenda . And in the “ Seals count ” On the platform , We will also see the digital financial center and special area opened by the bank , Launch joint branding programs with multiple brands , Realize the online transaction of digital collections .

5 Since the month , Other banks also have related actions .5 month 13 Japan , An activity was introduced on the official wechat official account of Bank of Xi'an , The announcement was established in the bank 25 Issue customized digital collections on the anniversary , Free distribution totaled 25000 Share . The digital collection of Bank of Xi'an is licensed in Datang chain , The contents of relevant certificates have been synchronized with the credibility node on Datang chain , For access only 、 Study 、 Research 、 appreciate 、 Use for non-commercial purposes such as display and sharing .

actually , This is not the first time that bank of Xi'an has issued digital collections . During the first lunar month this year , Bank of Xi'an once launched 《 Nafuhu 》 Avatar digital collection and series metauniverse “ Tide play ”, Attracted the attention of many customers .

earlier , Bank of Beijing is also known as “ Beijing ” Image based , Approaching the year of the tiger, the Spring Festival launched “ Jingxi Xiaojing ” Digital collection ; Ping An of China is based on two South China tiger cubs , Created 8 A digital art collection , Each limited edition 2022 Share ; Shaanxi Branch of Agricultural Bank of China , Is the introduction of “ Anti epidemic adzuki beans ” City hero series digital collection , The first issue of the collection is this year 1 month 13 After the launch of public welfare on the 1st , All sold out in a short time .

“ Banks issue their own digital collections , It can improve the activity of users , Bring traffic while increasing influence and brand effect , Even business income .” A banker told the securities times · Securities trader Chinese reporter , When banks provide relevant services to customers with digital collections , It can also realize authentication to customers 、 Credit extension 、 mortgage 、 Transformation and other financial services , Enrich the types of products and services .

Financial products touch the meta universe

last year 11 month 18 Japan , Baixin bank issued “4inlove” Fourth anniversary digital collection , And simultaneously launch AI The two-dimensional image of the virtual brand Officer , Become the first digital collection launched in China's banking industry .

Each digital collection represents a specific work 、 Works of art and goods or individual digital copies of them on limited sale , It records the rights on the chain that cannot be tampered with . therefore , Digital collections and virtual currencies are equivalent to qualitative tokens, which are essentially different , There are specific works 、 Support the actual value of works of art and goods , It also does not have any monetary attributes such as payment function .

In the unexplored field of the meta universe , Banks as an important participant , Not just developing digital collections , More attempts are also being made to welcome new technologies .

2021 year 12 month , Industrial and Commercial Bank of China, Hebei xiong'an branch, as one of the first financial institutions , Enter the meta universe products developed by Baidu “ Xi soil ”; Baixin bank then announced its first virtual digital employee AIYA—— As the of the line “AI Virtual brand Officer ”. This year, 1 At the beginning of , Bank of Jiangsu announced , Based on the research and judgment of the development of Internet Finance and the underlying logic of digital Finance , We will combine our own advantages and actively lay out financial services “ Meta universe ”.

China Mobile Communications Federation yuancosmos industry committee also announced the list of the first batch of members in the same month , Zheshang Bank ranks among them .

Besides , Zhongyuan bank 、 Small Banks 、 Jiangnan Rural Commercial Bank and other banks have disclosed their actions to explore the yuan universe , among , Digital employees 、 Digital collections become the main track .

“ The landing of technology and business model still needs multi-directional research and judgment .” A person from a city firm told the securities times · Securities trader Chinese reporter , The current small and medium-sized banks include , Both have shown a positive attitude towards the exploration of the meta universe , But in fact, the internal operation needs more careful study and judgment , alert “ A hot head ”.

Some analysts pointed out that , Under the concept of meta universe , With blockchain and other technologies, data can be confirmed , So as to promote circulation 、 transaction , Enriching the form of assets , Financial institutions are the main participants in undertaking the transformation of such assets .