Recently, Jiangnan Rural Commercial Bank cooperated with JD cloud to launch the business handling digital person "Yanxi VTM digital employee".
Yanxi VTM digital employees have a real face and can independently and accurately complete the whole process services such as self-service response, business handling, active service, risk control and compliance of bank transaction scenarios.
"The innovation of Yanxi VTM digital employees is to extend the application scenario to the real business transaction processing link." Chen Meng, technical director of human-computer interaction of JD technology, said that the difficulty in connecting digital human technology with business transaction scenarios lies in: first, the degree of personification of digital tellers should be very high and the interactive experience should be good; Second, it should be deeply coupled with the bank's business system to ensure the accuracy and security of transactions; Third, digital tellers should be able to "understand and do things quickly" and bring the same convenient and smooth service experience to different customers. In addition, Xiaojiang can accurately recognize digital continuous reading and local accent, and uses diversified enhancement algorithms to reduce the impact of noise on radio.
Industry insiders said that in the early years, China's virtual digital people were mainly distributed on virtual idol products. "Today, the application scenario of virtual digital human has further expanded to finance, retail, government and other industries." Chen Meng told reporters, "We see that virtual people are becoming more integrated with the industry and can generate specific value in some industries. For example, the scene of Jingdong's landing this time is to turn the ATM machine into a VTM machine. In the past, when you go to the bank, staff received you to handle deposit and withdrawal, change passwords and other businesses, or complete operations by pressing buttons on the ATM machine. Now when you handle business with the machine , a virtual digital person can interact with you and guide you to handle banking business. "
It is understood that in terms of the application of digital people, in addition to being applied to the live broadcast of digital tellers and virtual digital people of Jiangnan bank, Yanxi also landed in government affairs, finance, transportation, logistics, retail, manufacturing and other industries to help different industries realize the digital and intelligent transformation of services and marketing.
In the future, virtual human may deepen industry application. Wang Linfang, technical director of Jingdong technology digital human engine, pointed out that virtual digital human can be divided into three development directions: first, performance virtual digital human represented by virtual idols; Second, service-oriented virtual digital people, such as virtual bank tellers, virtual customer service, virtual anchors, etc., can help enterprises improve efficiency; Third, in the future, it will gradually become a personal companion virtual digital person in thousands of households.
(China Securities Journal · China Securities Network)
