1. digitization: by establishing a perfect data management and analysis system, we can quickly collect, store, process and analyze a large number of data such as customer data, transaction data and market data, and improve the accuracy and efficiency of risk control and business decision-making.

2. Automation: Use machine learning, natural language processing and other technologies to realize the automation of business processes such as customer service, transaction processing and credit review, and improve service speed and efficiency.

3. Internetization: provide customers with all-weather online banking services through mobile terminals, websites, WeChat official accounts and other channels, including account inquiry, transfer and remittance, financial investment, loan application and other functions, so that customers can conveniently and quickly complete financial transactions anytime and anywhere.