When you go shopping at the supermarket during peak shopping, queuing will be the biggest headache. The time loss of the established process, such as card swiping and zeroing, not only increases the waiting time of the customer, but also affects the operating efficiency of the supermarket. Mobile payment allows customers to take cash without a bank card. Just poke on the mobile phone and you can buy things in physical stores such as large shopping malls and supermarkets. Customers can pick up the goods in about 3 seconds. Simplify the cashier process, improve operational efficiency, and reduce waiting time for customers. To some extent, mobile payments bring convenience to consumers.
Mobile banking (direct banking), mobile payments, mobile commerce, mobile social... The layout of mobile finance is rapidly expanding and becoming an important point for the banking industry to enhance the user experience and enhance differentiated features.
Customers prefer mobile banking
“The proportion of customers using mobile banking has increased from 21% in 2014 to 55% this year, while customers using outlets have dropped from 92% in 2014 to 88% this year. Customers are more inclined to use online channels for high frequency but low Value business, such as query balance, transfer remittance, etc.. Recently, JDPower released the 2016 China Retail Bank Customer Satisfaction Research Report.
Overall, customer satisfaction in 2016 has improved compared to last year. The more channels customers use (including outlets, ATMs, online banking, mobile banking, etc.), the higher their satisfaction with banks. In this regard, Mei Songlin, vice president and managing director of JDPower Asia Pacific China, said that the role played by mobile banking is becoming more and more important. At the same time, among various channel satisfaction, mobile banking customers have the highest satisfaction, far exceeding other services. Channel satisfaction.
Mobile payment into a commercial bank layout focus
From the current point of view, in addition to cash business, mobile banking can basically meet most of the needs of daily financial life. In recent years, commercial banks across the country have begun to deploy mobile banking. The path is generally to start with basic services such as transfer, remittance, payment, credit card, etc., and then gradually develop into mobile banking and related businesses to provide mobile marketing and mobile life to users. And other special services. It is worth noting that while the mobile banking channel users are exploding, mobile payment has become the focus of commercial banks' overall deployment.
Jia Fengjun, deputy general manager of Minsheng Bank's network finance department, stressed that mobile payment competition has just begun. Although Alipay and WeChat have taken some opportunities, there are still many opportunities for the banking industry. "Mobile payment will definitely be a trend. UnionPay and Minsheng Bank will launch a free card-free and pay-as-you-go experience of 300 yuan. One is better than the current offline POS environment, and the other is better than NFC mobile phone usage. There may be a process to push the scale apart, but I think it combines with wearable devices to reduce cash, improve security and convenience, and under 300 yuan, the risk problem is controllable. Therefore, mobile payment The trend has just begun, and it is hard to say what the trend will be.†Jia Fengjun said.
Security issues are still the focus of attention
In fact, from a technical point of view, the threshold of Internet finance is not too high, but whether it is an Internet enterprise engaged in financial services or a commercial bank, the key to success or failure is the ability to manage risks. The open nature of the Internet poses new challenges for technology risk and conductive risk management.
In this regard, Ding Wei, general manager of the electronic banking department of the Shanghai Pudong Development Bank, said that unlike the traditional financial private network environment, Internet finance is like a network. The risk of single-point is easy to expand and transmit through this network. Therefore, this will bring different challenges to the technical risk management of enterprises.
In addition, the pursuit of the ultimate experience also brings new operational risks. Ding Wei said that the quickness of one-click ordering during online shopping is often accompanied by related risks, but in the process of innovation, relevant institutions often neglect some necessary investor education and risk disclosure, and even put the necessary business. The review process is deleted, and the final simplification may hurt the interests of consumers. Therefore, the safety balance between ultimate experience and risk management has always been a key concern for commercial banks.
Innovation and development is the main direction
Although new risk patterns continue to emerge, innovation and development are always a subject. In the future, we need to actively use new technologies to improve the overall process of risk management and precise management capabilities.
From the current exploration, biometrics such as face, fingerprint, and voiceprint, as well as wearable device applications, allow us to more accurately identify users when transactions occur, and big data technologies can also pass massive debris. The collection, processing and processing of unstructured data more accurately outlines the user's portrait. At the same time, combined with neural network and other technologies can also build models to achieve online monitoring of 7 × 24 hours, and intercept abnormal transactions. As long as the robot's intelligent learning technology can continuously accumulate information, it can also help us dynamically optimize the risk model.
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