Among them, A is artificial intelligence, B is blockchain, C is cloud computing, D is big data, M is mobile Internet, and I is Internet of Things. X is some technologies that have not been commercialized, such as 5G, quantum computing. These are the technologies that CCB mainly relies on to implement its financial technology strategy. On the premise that the essence of financial technology is finance, CCB actively applies or tries these technologies in various business scenarios. Jin Panshi said that CCB will continue to explore the application of new technologies in banking business and drive financial innovation with scientific and technological strength. At the same time, in terms of technical research, CCB will also increase investment and actively reserve technical strength, which is the T in TOP+.
Second, O is the ability to open up and practice the concept of openness.
CCB will open the functions and data capabilities of traditional commercial banks, leasing, insurance, funds and other group businesses to the whole society in the form of services. In July this year, China Construction Bank launched a public cloud platform. The platform will open up all application functions, such as security services, infrastructure services, etc., such as peace of mind for the elderly, comprehensive services between the party and the masses, portrait identification, and push technical services to the society to provide services for peers, customers and partners. In August this year, CCB also launched a platform for opening banks. The platform can publish the existing core financial services of CCB such as account opening, investment and wealth management, account calculation, etc. in the form of standard SDK and API, and provide standardized access for third-party partners, customers and head offices. It is reported that the first batch of open banks of CCB has been realized. According to the plan, all banking services will be open to the public in February next year.
Third, P stands for platform ecology.
Regarding customer marketing, CCB's main business management is to build an ecosystem and platforms, and then connect the platforms to build a user ecosystem. The traditional financial service platform of deposit, loan and remittance can't keep up with the changes of people's lifestyles such as food, clothing, housing and transportation, and the traditional financial services can't meet the requirements of the public. In order to embed financial services into a specific scene to serve the society, CCB's solution is to build a platform for partners in addition to its own financial service platform.
Fourth,+is to cultivate a culture of encouraging and supporting innovation, and support the Group's continuous innovation to achieve future-oriented sustainable development.
/kloc-in April, 2008, CCB invested1600 million yuan to set up Jianxin technology company and set up a fully market-oriented financial technology innovation enterprise. According to the financial science and technology strategic plan for the next five years, CCB will establish a scientific and technological governance system and a research mechanism for business technology innovation, increase the service of scientific and technological innovation resources, and ensure the implementation of the financial science and technology strategy. CCB will continue to promote the financial technology strategy, with innovative financial products and services, an open financial platform and an empowered financial development model, to enhance the power of financial supply and realize stable experience and innovative development.