In recent years, many new service forms have been launched by bank outlets, such as China Merchants Bank's "small move" remote intelligent customer service robot, and Guangfa Bank's credit card center's WeChat reply. With the increasing popularity of 5G, "5G Smart Bank" has also been put on the agenda. With the blessing of 5G technology, the underlying services of banks will once again face a new round of intelligent transformation.
Creating new marketing methods
Inspired by the new era, customers' needs are developing in a diversified way, and the existing traditional marketing model of the banking industry can no longer meet the requirements of all kinds of users for the quickness and convenience of products, so it is the only way to transform from passive service to active marketing.
Active marketing means catering to the current user behavior habits, and the high-capacity and large-bandwidth network attribute in the 5G era makes marketing videos provide new ideas for bank marketing. In fact, the video in the 5G era has long been separated from the "passive viewing" display kernel. Through the audio and video carried by 5G, real-time independent selection and interaction can already be completed. For the daily marketing of financial banks, marketing activities such as financial product release, financial service promotion and financial knowledge popularization education are carried out by using more multimedia marketing methods such as live video, on-demand video and audio and video information transmission. When the diversified functions of video are inserted into user actions such as financial banking service consultation, product trial purchase and preferential treatment, the interaction between banks and users is bound to be more accurate and efficient.
creating a brand-new customer experience
with the development and integration of various technologies, although many business processing channels of banks have already realized self-service by mobile phone or online, under the security attribute requirements of the financial industry, users still need to go to the outlets in person for certain businesses and provide various materials to prove them. As far as users are concerned, this kind of business handling requirement that they must visit the outlets in person not only takes a lot of time and energy, but also has a sense of service experience.
to a certain extent, 5G technology is expected to break through the time and space constraints of business processes. Using 5G mobile communication technology combined with VR and AR technologies to establish a virtual bank, providing users with an immersive experience of virtual banking, and remote interaction between the public and bank staff is the industry's imagination of bank transformation in the 5G era. At the same time, the ability of remote interaction and intelligent voice interaction will be "moved" to terminal intelligent devices such as mobile phones. By simulating banking service scenarios and upgrading the information system of intelligent terminals, customers can handle business anytime and anywhere, which will also become a reality in the 5G era.
In addition, big data in the 5G era will also play an important role in the future construction of "smart banks". Based on the analysis of massive related data in the banking industry, grasping the characteristics of customer behavior in real time can not only provide a scientific customer data model for the bank's marketing decision, but also help the bank to deliver marketing information for different groups, and better provide data assistance for business decision-making.
strengthening the construction of risk control security
since ancient times, risk control has been the most solid defense barrier for banking business security. From the perspective of risk control, the popularity of 5G technology and the massive increase of 5G equipment have also benefited banks in business development and security assessment.
on the one hand, 5G technology can help banks to plan and design more comprehensive and strict privacy protection schemes, strengthen their own information security management, standardize the inter-institutional data sharing mechanism, and combine the use of homomorphic encryption and other technologies, taking into account their own privacy protection and scene innovation.
On the other hand, 5G Internet of Things technology can help banks better understand and analyze customers and realize risk control management. Between banks and enterprises, 5G Internet of Things technology can realize intelligent identification, perception, positioning, tracking, monitoring and management through information, funds and physical interaction between things and people. With the help of 5G Internet of Things, financial banks can grasp the sales and operation of enterprises in real time, thus adjusting the credit rating structure in real time, greatly reducing the credit risk caused by information asymmetry.
it is foreseeable that 5G technology will profoundly change the status quo of the banking industry, but the exploration has just begun. When 5G meets the bank, the door of the public's imagination about the future smart bank is slowly opening.