At present, the scientific and technological revolution has brought about great changes. The scientific and technological revolution has transformed business logic from "228 theory" to "long tail principle"; The competitive situation has also changed. In the field of micropayments; The share of third-party payment reached 94.7%; Therefore, China Construction Bank also put forward higher requirements for its own service model; According to the current situation, China Construction Bank has changed its technology-driven service model; 20 18, China Construction Bank launched the financial technology strategy; It's called "TOP+"
On June 1 day and September 17, at the 5th China Financial Technology Innovation Conference, Jin Panshi, Chief Information Officer of China Construction Bank, said that in recent years, the investment of Chinese banks in the field of financial technology has greatly increased.
2. Jin Panshi revealed that at the beginning of 20021,CCB deepened and expanded the connotation and extension of the "financial technology+"financial technology strategy proposed in 20 18, and launched "Top+2", which deepened the driving and driving of core technologies. Adhere to technology and data as the dual elements of financial technology. In terms of specific technologies, we should pay attention to cutting-edge technologies such as "ABCD Mix" (A artificial intelligence, B blockchain, C cloud computing, D big data, M mobile computing, I Internet of Things, X and so on, such as 5g and quantum computing). Mix is to further expand the connotation of "X" and deepen the integration of various cutting-edge technologies. In terms of capacity opening, it has expanded from business opening to full opening of business, data and technology.
3. Business opening mainly emphasizes the evolution of physical channels to localized outlets, the absorption and integration of ecological services to peripheral high-frequency life services, and the embedding of financial services into ecological scenes, extending to physical banks. In terms of data openness, under the premise of safety and compliance, we will cooperate with external ecology, explore ecological value with partners, gain in-depth insight into customer needs and provide forward-looking services. In terms of science and technology ecology, open the development environment and service interface, guide small and medium-sized science and technology enterprises to integrate into CCB's science and technology ecosystem, and improve the overall scientific research supply capacity of the business. In terms of platform ecology, on the one hand, it is necessary to optimize the existing ecological layout and promote the in-depth construction of ecological platforms. On the other hand, strengthen platform integration, open up the user system and marketing system between platforms and between platforms and financial services, and widely connect users around the world to achieve cross-ecological and efficient cooperation. At the same time, we should pay equal attention to platform construction and operation, promote the platform from construction to use, tap customer needs in operation, improve and follow up in time, improve the efficiency of ecological operation and product innovation, and enhance the ability of value creation. In terms of system and mechanism, continue to deepen the mechanism culture of "encouraging innovation and curbing innovation" and optimize the layout of innovation capabilities; Further strengthen the construction of scientific and technological talent team, strengthen the construction of scientific and technological talent pool and leading talent team; Deepen the integration of the Group and further promote the deep integration of business, data and technology.