During the Spring Festival, Yuan space is also bustling.
In the new year, the digital employees of many banks put on new year clothes to send New Year greetings to customers.
Many other financial institutions have launched digital collections with limited funds for the Spring Festival. Inspired by the traditional culture and customs of the Spring Festival in the year of the tiger, the new year’s noodles, blessing the tiger, dancing the lion… Have a full flavor of the new year.
However, in addition to the excitement, many people in the industry reminded that the bank layout meta universe should not be just “speculation concept” and “eye-catching”. It should meet its own development needs and allow virtual digital employees to assume more functions in banking work. At the same time, we should also guard against the speculation and illegal reselling of digital collections
bank digital employees welcome the new year
During the Spring Festival, Bank Of Nanjing Co.Ltd(601009) released a new year video of digital employee “Jingjing”, who was dressed in a Chinese style red skirt, vivid and full of joy. It is understood that “Jingjing” is a digital employee launched by Bank Of Nanjing Co.Ltd(601009) in 2019, and a male employee “Nannan” was born with her. They integrate many artificial intelligence technologies such as character image simulation, character voice cloning, natural language processing and knowledge map. Based on mobile app, they can have interactive dialogue with customers anytime and anywhere to answer their business needs, It can break through the service scenario of bank account managers and provide intelligent services in multi scenario application services such as outlets, telephone and mobile app.
Aiya, the online celebrity employee of Baixin bank, as the “Ai virtual brand officer” of Baixin bank, is certainly not idle during the Chinese New Year. Aiya changed its previous scientific and technological dress, put on a cheongsam with Chinese traditional characteristics, sent red envelopes, sent blessings and made promotional films for the year of the tiger.
From Baixin bank’s positioning of the virtual employee, she is different from the general virtual customer service, but plays the role of future bank explorer and brand concept communicator. She can constantly learn evolution, improve AI computing power and financial intelligence, be active in short video, virtual live broadcast, app and other scenes, and have more warm and immersive communication and interaction with users
Spring Festival exclusive digital collections have been launched
In addition to digital employees, the exclusive digital collections of financial institutions in the year of the tiger also shine brightly in the meta space, and the grand occasion of running out of seconds online is staged from time to time.
Digital collections are digital specific products uniquely identified through blockchain technology, not physical collections. Each digital collection has a unique serial number on a specific blockchain, which is equivalent to a unique “digital certificate” based on blockchain technology. It is tamperable, indivisible, non reproducible, permanently stored and so on. Digital collections, also known as non-homogeneous warrants, are essentially different from virtual currency equivalent to qualitative tokens, and do not have any monetary attributes such as payment function.
A few days ago, Bank Of Beijing Co.Ltd(601169) gave customers a good Spring Festival gift and launched a digital collection of “Jingxi Xiaojing” based on the image of “Jing”. Inspired by the traditional culture and customs of the Spring Festival in the year of the tiger, the collection combines traditional elements such as dumplings, new year noodles and lion dance with the image of Xiaojing to launch 2022 digital collection blind boxes, with thousands of people and thousands of faces. Each design is unique. Among them, there are 65 hidden models, with an upgraded degree of rarity.
In addition, Taikang online released the NFT digital collection based on its own IP tker – “Fuhu Kaitai”, which is also the first NFT art released by Taikang online. The relevant person in charge of Taikang online said that from the perspective of the insurance industry, metauniverse is a port for insurance to seek a breakthrough from the Internet era to the Internet of things era. As the fusion carrier of virtual and reality, meta universe contains many scene values. In the future, a new round of technological revolution brought by the meta universe will play a value in improving the user experience of Internet insurance and subverting the cognition of insurance purchase
refuse the “speculation concept” and beware of speculation
Insiders pointed out that banks and other financial institutions should not end up with “speculation gimmicks” and “eye popping”. Science and technology to help financial transformation is the future development direction.
At present, due to the shortage of digital collections, illegal reselling occurs from time to time. In the face of the speculation of digital collections, many financial institutions that issue collections have made it clear that the core concept of digital collections is collection and commemoration, do not support the secondary transfer to third parties, and resolutely resist any form of price speculation, paid resale and other violations.
In addition, in the development and use of digital employees, “we should first consider the need to reduce costs and increase efficiency”, a product manager of Baixin bank told China Securities News · China Securities Taurus reporter, “the process and repeatability of banking business can be replaced by digital services, and digital employees can avoid human errors and shorten feedback time in some fine work.” He also mentioned that digital employees can gain more attention from young customers in terms of bank brand publicity.
Insiders said that metauniverse can provide immersive customer companionship, supplemented by advanced computing methods, so that financial products can be created in real time. However, it is still in the initial stage of development. If virtual digital employees want to assume more functions in banking work, they need to further achieve a breakthrough in technology, and the meta universe world has entered a stable operation logic.
As LV Jiajin, chairman of Industrial Bank Co.Ltd(601166) said in the 2022 Digital Economy Summit Forum, “digital economy has become an important engine for building a modern economic system. Finance, as the core of modern economy, must keep up with the pace of the times, accelerate digital transformation and better serve the development of digital economy.”
