Taking the cooperation between different banks as an example, the construction of small program ecology

In recent years , The financial industry, especially the banking industry, has been talking about opening up , from 2019 Year to 2021 this 3 Year , All the major banks have realized the importance of openness , But how to open ？ To what extent ？ What is the operation strategy after the opening , Each bank has its own strategy choice .
As the landing personnel at the grass-roots level , This sharing may be from a practical point of view , Let me share with you “ Open bank ” Landing in the scene of cooperation between banks in different industries .

Although it is a discussion of technical issues , Let's give non bank friends a general introduction to what is cross industry cooperation .
Cross industry cooperation refers to the sharing of marketing resources by two or more enterprises in different industries , cost reduction 、 Increase of efficiency 、 A marketing strategy to enhance market competitiveness .

For banks , Generally, I will find some non bank related enterprises , But enterprises related to banks or bank customers . E-commerce required by bank customers 、 Hai Tao 、 education 、 Medical care 、 law 、 Tourism and other industries . When doing large-scale marketing activities in the bank , It can provide users with preferential and high-quality third-party services or products , Cooperative enterprises can be invited to introduce relevant knowledge and services to customers , The bank's customers can enjoy the rights of alliance members by presenting their bank cards .

for instance , The well-known China Merchants Bank , At present, I live on my palm APP Explore the full opening of life scenes in , Already with “ Food and clothing live line ” And other leading enterprises in many fields , The relevant service categories can be said to be the first in the industry ; On the other hand, create an open platform for wealth , And more excellent securities companies 、 Tripartite cooperation , Transform the past model of product sales into a wealth management model .

Whether it's “ Food and clothing live line ”, Or wealth management , Third parties who cooperate with banks often need to settle in the bank App To provide services for bank users . A few years ago, third-party services were often based on H5 In the form of cooperation with banks , As more and more partners access , The bank side is very important for the audit of third-party services , It concerns the bank itself app Safe operation , It is more about whether users' experience of obtaining services is high-quality . For technicians , While accessing many external services, it is necessary to ensure a huge app Security 、 Smooth operation , It should also meet the demands of business departments for flexible functions on the shelves , It is a huge challenge in itself . For operators , Also always check the smoothness of external service operation .

In recent years , With WeChat 、 Baidu 、 The rise of Alipay applet Ecology ,“ Applet ” This can fragment business functions , help APP Business fast online function 、 Tools to implement agile iterations , Also began to gradually enter the bank's line of sight . We spent it. 1 Years of research and model selection .

Currently in use FinClip Build an applet ecological platform , The main reason for choosing this platform is that it has a sufficiently open ecological architecture , So that the bank can quickly own its own application market , And put the partners of all parties on the shelves in the ecosystem they have built , It is very consistent with the current actual business form .

In addition to the open technology framework , The operation end with rich functions is also an important reason why we choose this platform , As far as the current operation is concerned , adopt FinClip The built management background can provide great convenience in the audit of third-party applets . Share some of the highlights .

Operation end audit flow configuration

In the previous application process , Relatively complex , Technical department involved 、 Review by the operation Department and other departments . Open the platform operation end through applet , The operator can configure the corresponding audit process , Configure by auditing , On the shelf of small programs , Set up different roles to “ jointly sign ” Audit mechanism , After the configured roles are approved , To be able to apply for listing through a small program .

Applet online preview

For auditors , The online preview of the applet greatly improves the efficiency of the audit . Auditors can directly pass through the operation end , Open the applet to be approved in the browser , The applet content and style are displayed in a new tab in the browser .

Data statistics

The collection of user data is the foundation of digital operation , At present, through the collection and analysis of applet data reporting information , And get the applet in App Specific statistics used by users on , For example, the number of times the applet is opened 、 Device access 、 Length of stay, etc . It can help operators judge , Which third-party services are more popular with users ; Which marketing actions can move users more ？ So as to help operators adjust their strategies .

With the continuous innovation of the open banking business model , It can not only improve the bank's own financial service ability , It can also introduce external enterprises to provide users with rich service scenarios , And take financial services as the base of capability , Enable more business scenarios . here , Banks are no longer just providing services , And more is playing “ Connect ” Role , This role is inseparable from “ Open platform ” Capacity building of .