Financial technology reshapes banking business.
Ping An Bank's 20 17 annual report shows that the bank has continuously expanded its technology application scenarios in the past year, while applying new technologies such as artificial intelligence, big data and blockchain to improve its services. The latest technology application has involved all aspects of risk control, marketing and operation. Intelligent robots (19.76 +4.05%, diagnostic unit) participate both online and offline. Among them, "AI+ Robot Xiaoan" has settled in the Pocket Bank APP, and "offline intelligent robot" has also participated in the interactive marketing of outlets; "AI+ Investment" can provide personalized investment advice according to the differentiated needs of different types of customers. At the same time, Pocket Bank iterates online recommendation portfolio, insurance zone, investment live broadcast, professional information and other new functions to support one-click product portfolio ordering; "AI+ risk control" deploys a risk model to monitor and evaluate risks in all directions.
"Financial technology is constantly reshaping the business development model and market competition pattern of listed banks." Yang Rui, a researcher at hengfeng bank Research Institute, pointed out that "emerging technologies such as big data, cloud computing, blockchain and artificial intelligence will continue to promote the digital transformation of banks, use big data technology to gain insight into customers, improve service processes based on artificial intelligence, and use cloud computing to build infrastructure platforms. Financial technology will build a brand-new financial ecosystem around the processes, channels, customers and platforms of banking business. "
Under the background of the deepening application of bank technology, the current turnover tide of bank employees, especially front-line employees, attracts people's attention. Even in March and April, when the mobility of employees in the workplace is relatively large, the number and speed of bank employees' mobility are significant enough.
In this regard, Wang Yong, director of the Banking Research and Diagnosis Center of Zhengzhou Training College of the People's Bank of China, told reporters: "The promotion of intelligent construction by banks is bound to be related to the current wave of bank turnover. With the development of financial technology, there is no doubt that artificial makes way for artificial intelligence. Gone are the days when banks expanded and developed through sea tactics. In the future, financial technology will be used to improve efficiency, reduce costs and achieve further development. "
However, Wang Yong also said that although artificial intelligence has affected the bank's job market, it is only preliminary, and there has not been a large-scale and high-proportion layoffs in banks. At present, although the development of domestic financial technology is fierce, it is unrealistic for artificial intelligence to completely replace people in a short period of time.
Digital transformation has changed the structure of staff.
At present, the process of intelligent construction of banks has released some labor force. A front-line employee of a joint-stock commercial bank with personal experience told reporters: "20 14 When I first joined the bank, we opened five business windows. At present, there are only two stores at most, and they are still relatively large branches. Obviously, the smart equipment in the bank lobby is not only convenient, but also the service function has been improved. "
A related person of a state-owned bank also told the reporter that smart devices entering the outlets can facilitate management and improve operational efficiency, and a branch staff can serve multiple customers at the same time in business processes.
Wang Yong said that in the future, financial technologies such as artificial intelligence will definitely reconstruct the bank employment market to a great extent. For example, when the degree of intelligence reaches a certain level, the counters of bank outlets may be removed, and the existing counter posts will become lobby manager posts serving intelligent business, which puts higher demands on relevant personnel. The talent strategy of banks in the future must be to attract comprehensive and compound talents.
Yang Rui pointed out that bank outlets and employees are gradually changing from "transactional" to "service-oriented". It is estimated that in 20 18, the electronic replacement rate of listed banks will be further improved, the proportion of online and offline business will be close to 1: 1, the proportion of counter staff will be reduced, and the proportion of technology development and technology service practitioners will be greatly increased.