Borui data and Sina Finance released the 2021 credit card industry development report

2 month 11 Japan , Produced by sina finance 《2021 Credit card industry development report 》（ hereinafter referred to as 《 The report 》） Official release , From the development of credit card industry 、 The credit card App Development and other aspects , Comprehensive inventory and analysis 2021 Development of credit card industry in . As an exclusive strategic partner, Borui data supports .

《 The report 》 Pointed out that , Post epidemic Era , Major banks rush to mobile terminals , Credit cards gradually changed from “ card ” Evolve to “App”, Become an important starting point for the digital transformation of banks , It also reflects the real strength of credit card financial technology of all banks . According to the evaluation research results of sina financial evaluation room , The credit card App The importance of 、 The investment is gradually increased , User experience 、 Functional services are also becoming more and more perfect , However, the development level of each family is uneven . How to meet the needs of users 、 With the pulse of Technology ？ How to give full play to unique advantages 、 Grasp the future growth point ？ These questions are worth pondering .

User experience has become a new goal of bank digital transformation

after 20 Years of development , The emergence of mobile banking has realized the innovation of bank development mode , At this stage, it has been the main part of bank products and services . Post epidemic Era , Major banks rush online mobile terminals , Bank App Has become “ A soldier's land ”. In mobile banking App outside , Credit cards have gradually changed from “ card ” Evolve to “App”, Become a major focus of bank digital transformation .

since 2020 Since then , According to the development trend of the credit card industry , continuity 2 Bank credit cards were introduced in App evaluating , It has been widely recognized in the industry . Bray data is 2021 In, as a strategic partner of sina finance and economics, it gave third-party data support , Strive to be professional 、 objective 、 From a fair perspective on bank credit cards App To evaluate .

《 The report 》 Suggest , The banking industry is facing the digital transformation , Should be lifted “ Service can reach ” and “ User experience ” Need to be a new goal .

How to help banks to “ Client perspective ” shift

say concretely , In the process of dealing with digital transformation , The banking industry must change the traditional application centered thinking of the original data center , One of the most important is from “O visual angle ” To “C visual angle ” The transformation of ： That is, from application centered , Data center based , Apply high availability as an indicator “ Enterprise side perspective ” Convert to service accessibility , User experience is the indicator , User first “ Client perspective ”.

 

Banking data link DNA

Besides ,《 The report 》 Think , In terms of measures , The banking industry needs to establish a set of user centered , Put user experience data 、 Network performance data 、 An operational data support system for the integration of real-time streaming data such as application performance data and application availability data , Through big data platform “ cloud — tube — edge — End ”, And through machine learning and artificial intelligence “ Information Integration 、 Feature association 、 Business insight ”, Help the banking industry cope with “Z generation ” High requirements for service accessibility and application experience , In stability 、 A relative balance between reliability and agility , Promote the digital development of the banking industry .

 

Banking services can reach the data link DNA Index system

meanwhile , Through the data link DNA Help the banking industry play a multiplier role of data elements ：

1、“ Information Integration ”

Put user experience data 、 Network performance data 、 Application performance data 、 Application availability data and other information integration , Achieve unified collection 、 Unified storage 、 Unified management . adopt API Call the way to achieve a collection , Each department subscribes to consumption many times .

2、“ Feature association ”

Through big data analysis and user identification , Establish user access 、 Network transmission 、 The cloud service 、API Call and other links , Achieve full stack traceability , Help the banking information system to ensure stability and reliability , Integrating existing platforms 、 Cloud native platform 、 Monitoring and management means of micro service platform .

3、“ Business insight ”

Report in financial language IT Input and output of information construction , Set up bandwidth 、 Calculate the force 、 After infrastructure investment such as storage , Discover specific user experiences / User retention rate / Yuehuo Promotion 、API The relationship between call efficiency improvement and code running efficiency improvement , Provide direct reference for business development .