With the fire of the concept of meta universe, banks are also scrambling to start layout.
Recently, it was reported in the market that Bank Of Ningbo Co.Ltd(002142) applied for the registration of several metauniverse related trademarks, including " Bank Of Ningbo Co.Ltd(002142) metauniverse", "Huitong metauniverse" and "YONGYING metauniverse".
In this regard, Bank Of Ningbo Co.Ltd(002142) head office told the reporter of international finance that "the trademark is indeed in the state of application and waiting for review." However, Bank Of Ningbo Co.Ltd(002142) has not disclosed the further development plan of the bank after the trademark is registered.
first bank applies for registration of yuanuniverse trademark
The reporter checked the Tianyan and found that whether it is the trademark of " Bank Of Ningbo Co.Ltd(002142) yuancosmos", or the trademark of "Huitong yuancosmos" and "YONGYING yuancosmos", the application time is December 30, 2021, the trademark status is "waiting for substantive review", and the applicant's name is Bank Of Ningbo Co.Ltd(002142) Co., Ltd. This means that Bank Of Ningbo Co.Ltd(002142) is expected to become the first bank in the industry to apply for the registration of yuancosmic trademark.
From the response of Bank Of Ningbo Co.Ltd(002142) , although the bank affirmed the application for registration of yuanuniverse trademark, when the reporter asked about the next step plan after the bank registered the trademark, Bank Of Ningbo Co.Ltd(002142) said that "there is no further plan for the time being".
In fact, many banks, including China Everbright Bank Company Limited Co.Ltd(601818) , Shanghai Pudong Development Bank Co.Ltd(600000) , Bank Of Jiangsu Co.Ltd(600919) , Baixin bank and so on, are involved in the concept of meta universe. For example, in November 2021, Baixin bank issued the fourth anniversary digital collection of "4 in love", which is based on blockchain technology and is unique and tamper proof. It is the first NFT (non homogeneous token) digital collection in the banking industry; In January this year, Bank Of Jiangsu Co.Ltd(600919) also announced that it began to actively layout the financial meta universe to provide customers with a better financial service experience.
However, on the whole, none of the above-mentioned banks has applied for the registration of yuancosmos related trademarks, which also makes the market curious about the significance of Bank Of Ningbo Co.Ltd(002142) taking the lead in applying for the registration of yuancosmos trademark. "At present, the concept of meta universe is still in its infancy, and many related fields have not been expanded. Trademarks can give people an intuitive impression and are protected by law. In the past, when some companies grew up, they found that the trademark name had already been registered by others in advance, resulting in certain losses," a person in the financial technology industry told the reporter of the international finance news
If you plan to make the company bigger, the earlier you register the trademark, the more initiative you will have. According to the analysis of the above industry insiders.
It is understood that on February 9, Bank Of Ningbo Co.Ltd(002142) Shanghai Branch announced that it would welcome "Xiaoning", an employee of the bank's No. 001 digital person, and provide customers with various business consulting and handling services. At present, Xiaoning can answer more than 550 common business questions and more than 3000 related business questions derived therefrom. Meanwhile, relevant operation management platforms are in the process of continuous operation optimization.
meta universe concept is still in its infancy
Since September 2021, there has been an upsurge of meta universe in the capital market. While attracting the attention of investors, many people are also quite puzzled about the meta universe.
So, what is the "meta universe"? According to the reporter, the concept of meta universe originated in 1992. According to the description of Neil Stephenson, a famous American science fiction master, in his novel avalanche, "put on headphones and eyeglasses, find the connection terminal, and you can enter the virtual space simulated by computer and parallel to the real world in the way of virtual separation".
The essence of the concept of metauniverse recognized in the industry can be understood as: it is a virtual world that is mapped and independent of the real world on the basis of the traditional cyberspace and with the improvement of the maturity of a variety of digital technologies. It is not a simple virtual space, but the network, hardware terminals and users include a sustainable In the widely covered virtual reality system, there are both digital replicas of the real world and creations of the virtual world.
On the whole, although most banks involve the concept of meta universe, they are still in the early stage. Wang Shiqiang, a senior researcher of Bingjian science and technology, told the reporter of the international finance news that there are the following benefits for banks and other financial institutions to layout metauniverse or launch related products: first, metauniverse can be used to distribute digital collections, sell or give them to customers, so as to increase income Activate lost customers; Second, make up a customer manager with good image and temperament to answer customer questions and answer customers' questions in the meta universe. The effect is realistic, and the customer experience is better than the current pure text effect; Third, with the online business, selling financial products and handling deposit and loan business for customers will also be the future development direction of the bank.
Liu Yang of Shenzhen banking and Insurance Regulatory Bureau believes that the banking industry can test the water of yuanuniverse from three aspects: one is to serve industries and enterprises related to the concept of yuanuniverse, the other is to sell precious metals based on AR (augmented reality) / VR (virtual reality) technology, and the third is to build VR business hall.
However, many experts warned about the combination of the concept of meta universe and banking business. For example, Dong ximiao, chief researcher of Zhaolian finance, said that it is necessary for commercial banks to pay attention to the meta universe, but at present, the meta universe has not been clearly defined, the relevant technological progress and business model are not mature, and how the banking industry can participate in it is still under exploration.
Wang Shiqiang said that at present, yuancosmic technology is not mature, and there may be problems in user privacy, user experience and illegal fund-raising. Relevant regulatory policies and regulations are still brewing. When carrying out relevant businesses, banks need to try more in a small range, cooperate closely with yuancosmic technology company, and promote it on a large scale after the technology is mature. "Ensure to reduce risks without falling behind".
