In the financial industry, new technologies have penetrated into the entire financial industry chain, and financial technology is leading new financial changes. Financial institutions increase investment in science and technology, enhance their competitive strength, and set up science and technology companies one after another to implement technology export. Internet giants gradually "de-financialized" and turned to technology-enabled finance.
Under this pattern, Shanghai Pudong Development Bank has established the strategic goal of "taking customers as the center, leading by science and technology, and building a first-class digital ecological bank". Information technology is the core driving force. We should not only use technology for continuous innovation, improve business efficiency and solve business problems, but also lead the breakthrough of business model through technological innovation and achieve high-quality development through lane change overtaking.
Embrace ecology and explore new impetus for innovation and development.
In order to build the core strength of science and technology, Shanghai Pudong Development Bank has continuously consolidated the scientific and technological team, promoted the integration mode of science and technology and business, and established a scientific and technological innovation system; In terms of foreign cooperation, we should actively embrace ecology, take the road of shared development and establish a "scientific and technological cooperation community".
The "Science and Technology Cooperation Community" initiated by Shanghai Pudong Development Bank is an ecological platform of "open sharing, win-win cooperation" composed of banks, technology companies, scientific research units and other institutions. As a bank, there are many internal and external driving factors to initiate the establishment of a scientific and technological cooperation community.
1。 Banks naturally have platform attributes. Banks are the core of social and economic activities, just like the link connecting B-end, C-end and G-end, and they are integrated into all aspects of social and economic life. In social and economic activities, banks have always played the role of credit intermediaries, with strong credibility, and are naturally a platform.
2。 Banks have a high sense of social responsibility. Banks have high-quality employees and high standards of professional ethics. In the process of cooperation, they emphasize equality and trustworthiness and advocate win-win cooperation. Banks shoulder the responsibility and obligation of providing quality services to the public and promoting inclusive finance.
3。 Technical logic determines business presentation. Digital Eco-bank is a commercial display mode based on technical logic. Technology is the cornerstone, and technology determines every business process and business model. In the future, the bank's business form will be subversive, not based on the traditional retail, corporate and capital business departments and structures, but showing a brand-new business model on the new technical architecture.
4。 Science and technology are the core driving force of development. Technology and data have become important productive forces and production factors of enterprises, and solving the pressure and challenges faced by the development of commercial banks cannot be separated from scientific and technological thinking and means. Whether it is customer intelligent service, inclusive finance expansion, internal risk control, and operational efficiency improvement, technology is needed. Technology is the core driving force for the future development of banks.
◆ On September 20th, Shanghai Pudong Development Bank initiated the establishment of "Science and Technology Cooperation Community" in Beijing, and signed a memorandum of cooperation with the first batch of 16 well-known technology companies at home and abroad to innovate the new mode of financial technology business. This is an important measure for Shanghai Pudong Development Bank to promote the strategy of "taking customers as the center and technology as the guide to build a first-class digital ecological bank".
Planning layout and promoting the establishment of cooperative community
Driven by the strategy of building a first-class digital eco-bank, Shanghai Pudong Development Bank has conducted in-depth research and exploration on the mode and mechanism of scientific and technological cooperation community.
On the one hand, practice and exploration are carried out through the construction of joint innovation lab. At the beginning of 20 18, Shanghai Pudong Development Bank successively established several joint innovation lab in cooperation with leading domestic technology companies, including Shanghai Pudong Development Huawei Open Source Technology Innovation Lab focusing on the application of open source technology in the financial field, Shanghai Pudong Development Baidu Deep Learning Lab focusing on intelligent marketing, intelligent risk control and intelligent interactive scene application, Shanghai Pudong Development Iflytek Intelligent Interactive Lab exploring the application of intelligent voice and semantic technology, and exploring the application of 5G and Internet of Things technology. Through the research and promotion of the joint laboratory, in the fields of customer service, marketing, risk management, business operation and so on, the transformation of business model and the improvement of business efficiency have been realized with the help of science and technology.
On the other hand, study the development model and operation mechanism of the scientific and technological cooperation community. On the conceptual level, the solution of the scientific and technological cooperation community should be based on the ecological development concept of "open sharing, joint construction and win-win", and jointly promote financial technological innovation through the deep integration of financial scenarios and advanced technologies. On the level of consciousness, Shanghai Pudong Development Bank has conducted in-depth discussions and exchanges with various technology companies on the basis of the initial conception of the scientific and technological cooperation community, which has promoted the understanding of the value and significance of the community, recognized the trend of open sharing, and strengthened the confidence and determination to participate in the construction of digital ecological banks. At the mechanism level, each partner has different scale, field, technical expertise and cultural background. It is necessary to find a common interest entry point through business scene sharing, technological innovation research, solution docking, venture capital and other cooperation methods, and consider the characteristics of different enterprises, so as to gather strength and maximize value.
After full planning in the early stage, the "Science and Technology Cooperation Community" of Shanghai Pudong Development Bank was formally established on September 20th, and signed contracts with the first batch of 16 partners. This is not only an important measure for Shanghai Pudong Development Bank to "build a first-class digital ecological bank", but also an important milestone for the development of financial technology in Shanghai Pudong Development Bank.
Innovating mechanism to achieve a new breakthrough in cooperation mode
In the scientific and technological cooperation community, Shanghai Pudong Development Bank has established a new type of partnership with its partners, and the new mechanism has achieved three breakthroughs in cooperation objectives, cooperation environment and cooperation methods.
1。 In terms of cooperation goals. The cooperation between partners in the community is no longer limited to the completion of the project, and is no longer limited to short-term delivery targets, but focuses on long-term interests and grows together into a financial technology enterprise that can change the future of the bank.
2。 In terms of cooperation environment. Relying on the digital ecological environment, we will gather customers, technology companies, research institutions, upstream and downstream suppliers and consumers, give full play to the network energy of the community, collide with creative sparks, and explore new applications of cross-border financial technology. Shanghai Pudong Development Bank provides business scenarios and platforms to accelerate the concept and transform it into productivity.
3。 In the way of cooperation. In addition to the traditional project and R&D cooperation mode, we should open up a new cooperation mode, that is, set up an agile combat team through forums, competitions and topics in the scientific and technological cooperation community to quickly turn ideas into products and meet the social demand for financial services. For potential technology companies, Shanghai Pudong Development Bank will establish a direct investment fund for equity of financial technology enterprises, provide financial management and cultivate incubating seed companies.
Through the new cooperation mode, banks can quickly apply innovative technologies, and technology companies continue to improve and develop technology applications under the real business scenarios of banks. In the process of establishing cooperative communities, we found that many technology companies have good technology, but lack business scenarios. Once the two sides reach a consensus on the long-term cooperative development model, they can quickly form a valuable solution. At the same time, in-depth cooperation, many sub-topics will be derived and new cooperation opportunities will be extended. For example, in the early stage, we cooperated with technology companies to explore intelligent voice interaction and voiceprint authentication technology, and innovatively launched the first intelligent APP in China, which achieved good market response, and thus produced new research directions such as semantic analysis and voice assistant. We cooperated with another startup company to carry out intelligent marketing of big data, which greatly improved the accuracy of marketing and the efficiency of organization and management of marketing activities. The two sides are also exploring further cooperation.
165438+ 10 In October, Shanghai Pudong Development Bank held the first "Shanghai Pudong Development Bank International Financial Technology Innovation Competition" to select outstanding technology companies, provide cooperative investment opportunities, and make new technology research and development achievements create commercial value quickly.
Build a win-win situation and create a new platform for the development of financial technology
Shanghai Pudong Development Bank and its partners have high hopes for the "Science and Technology Cooperation Community", and all parties will build a win-win situation and create a new platform for the development of financial technology.
1。 New partnership platform. Realize the deep integration of finance and technology, jump out of the traditional competition pattern of zero-sum game, advocate "creativity sharing, ability sharing, achievement sharing and income sharing", and jointly open up a broader blue ocean in the digital economy era.
2。 A platform for gathering energy and empowerment. Gather everyone's wisdom and strength, realize the complementary advantages and scene docking between different enterprises, and jointly improve the basic research ability of cutting-edge technology, the business application ability of financial technology, and the innovation breakthrough ability of cross-border integration.
3。 Cultivate a platform for technology companies with world-class influence. Explore potential financial technology enterprises, provide new business scenarios, connect business opportunities upstream and downstream of the industry, and let seeds find suitable soil. Invest in incubating companies with commercial growth value, and cultivate China science and technology companies with world-class influence.
4。 Digital eco-bank co-construction platform. Integrate digital thinking, scene thinking and platform thinking into the construction of digital eco-bank, improve the level of financial services with advanced technology, and provide the ultimate service experience for individuals, enterprises, governments and other customers.
In the next five years, Shanghai Pudong Development Bank will focus on the strategic goal of "building a first-class digital ecological bank" and rely on information technology to achieve innovative transformation in customer service, business model and growth momentum. With the increasing number of members of the scientific and technological cooperation community, innovative cooperation projects will be launched one after another, which will strongly promote the digital transformation of Shanghai Pudong Development Bank and contribute to the "integrated" growth of financial technology in China.
(Article Source: Investor Network)