CCB’s new financial philosophy refers to useful exploration in line with the economic and social development in the new era. Traditional finance emerges with “new” opportunities. When finance meets new technologies such as cloud computing and big data, the natural and powerful attraction will solve this problem. Unprecedented new opportunities will emerge in the industry. Quickly acquiring tens of millions of users will no longer be as slow and difficult as before, and the boundaries of finance will expand infinitely.
Why? Because of the strong support capabilities of IT. IT has changed from a supporting role in the business to today's productivity. IT can help financial industry customers provide efficient, secure and open financial services in seconds and open up customer acquisition channels. Authoritative reports show that digital transformation drives the technological development trend of the financial industry and can help finance create new value.
China's banking industry information technology "13th Five-Year Plan" provides the macro direction for the future transformation of the financial industry, using cloud computing and big data to vigorously develop inclusive finance, carry out joint innovation, and actively promote new technologies Application in the banking industry to achieve digital transformation in technology and business.
New finance has three major characteristics:
1. The first characteristic of new finance is that finance has become more and more inclusive, from "28" to "8 two".
In the past, financial services served 20% of the top users, including large enterprises and high-net-worth individuals, and then we got 80% of the profits. Due to various limitations such as technology and information, it is difficult for us to effectively provide convenience, equality, convenience, appropriate price, and services in a sustainable manner to the general public and small and micro enterprises. Today, we have the opportunity to use technology to achieve these things.
2. The second feature is that cashless has become a trend.
Many people may misunderstand the meaning behind "cashless". Cashless is not to eliminate cash, but to provide a better possibility and convenience of payment, giving this right to consumers . As we all know, payment greatly promotes consumption. The convenience of payment has a great impact on consumption promotion, the real economy, and satisfaction with people’s livelihood services. Cashless makes finance more inclusive, makes business smarter, makes people more satisfied, makes society more efficient, and improves the credit system. This has positive significance for society, so Ant Financial is working with all walks of life to promote cashless development.
3. The third characteristic is that the credit system has become an important support for new finance.