What kind of spark will the combination of commercial banks and meta universe spark?
According to the China Securities Journal · China Securities Taurus reporter, at present, there are three commercial banks China Zheshang Bank Co.Ltd(601916) , Bank Of Jiangsu Co.Ltd(600919) and Baixin bank to layout the "meta universe". Take Baixin bank as an example. At the end of 2021, aiya, the bank's first virtual digital employee, officially took the post of "Ai virtual brand officer", bringing users more friendly, smarter and safer digital financial services.
In the view of insiders, as the next generation Internet, metauniverse may have significant changes in the interaction mode between banks and customers and the mode of products and services in the future, and the impact can not be underestimated.
3 commercial banks have arranged the meta universe field
On January 11, the yuan universe Industry Committee of China Mobile Communication Federation announced the list of the first batch of members. Among the 267 applicants and units in the first list, 65 / person (25 individual members, 40 unit members, including 8 listed companies) were accepted after the review of economic cooperation and regulation. It is worth noting that the eight listed companies include China Zheshang Bank Co.Ltd(601916) .
Bank Of Jiangsu Co.Ltd(600919) and Baixin bank have also explored the meta universe. On January 6, Bank Of Jiangsu Co.Ltd(600919) said that based on the research and judgment of Internet financial development and the underlying logic of digital finance, combined with its own advantages, the bank began to actively layout the financial meta universe to provide customers with a better financial service experience.
It is reported that since 2014, Bank Of Jiangsu Co.Ltd(600919) has promoted digital transformation and gradually explored and implemented financial technology solutions such as big data, artificial intelligence, Internet of things, blockchain and 5g. With the continuous accumulation and improvement of financial technology products such as man-machine dialogue, financial brain, multimodal identity recognition, customer portrait, digital employees, augmented reality and 5gvolt communication, the bank has gradually established a financial meta universe foundation and technical support in line with its own characteristics.
On November 18, 2021, Baixin bank issued the fourth anniversary digital collection of "4 in love", launched the secondary image of "Ai virtual brand officer" at the same time, and created a virtual IP with a sense of science and technology and fashion. This collection is also the first NFT digital collection in the banking industry.
Chen Longqiang, Chief Strategic Officer of Baixin bank, said that the issuance of digital collections is an attempt for Baixin bank to meet the meta universe. As the next generation Internet, there may be significant changes in the interaction mode between banks and customers, product service mode and even bank form in the future. AI digital people, immersive experience and digital assets based on blockchain are the three most concerned directions of Baixin bank.
It is reported that aiya (aiya), the "Ai virtual brand officer" of Baixin bank, has officially taken office on December 30, 2021
Baixin bank "Ai virtual brand officer" aiya (aiya)
Source: Baixin bank
opportunities and challenges coexist
At present, the "meta universe" is widely regarded as the next generation Internet. Hefei and Wuhan have written yuancosmos into the government work report, and the 14th five year plan for the development of Shanghai's electronic information industry also clearly proposes to strengthen the forward-looking R & D of the underlying core technology and basic capacity of yuancosmos.
For the banking industry, the "meta universe" is a major opportunity, and the combination with business has great imagination space. Liu Yang of Shenzhen banking and Insurance Regulatory Bureau said that more and more users contact with banks not through physical outlets, but all kinds of bank apps. In the future, it is more likely to be an immersive "meta universe" application. Therefore, banks should follow the direction of industrial digitization and "meta universe" to extend scene finance, or connect a wider range of customer groups.
"In the meta universe, financial products will have the digital native ability of real-time assembly and manufacturing on demand and scene. In the meta universe, according to the needs of customers and under the regulations of financial supervision and bank management, the product manager will carry out the whole process of digital product manufacturing on site through gesture dragging." Suning Financial Research Institute senior researcher Sun Yang and researcher Geng Yitao said that yuanuniverse may change the banking business in the future from the aspects of unconscious experience of financial products, immersive financial customer companionship and real-time creation of financial products.
"Meta universe" is a major challenge for the banking industry. Liu Yang said that the future "meta universe" may have the following impact on the traditional banking industry: first, it will bring challenges to the existing risk control system of banks, including identity identification and data security; The second is the impact on the interaction mode and operation. The immersive interactive service is realized online through virtual customer service, and the intelligent and even unmanned network operation is realized offline through AR and other new technologies; The third is the challenge of embedding the new scenario, involving the bank's service channels, service products, service models and so on.
Some bankers said that at present, the meta universe is still in the conceptual stage, and it still needs a long time to explore how to combine commercial banks with the meta universe. As for the current popular smart Siasun Robot&Automation Co.Ltd(300024) in the industry, my bank has explored it, but it has been stopped.
