The rise of science and technology is the rise of the nation, and the strength of science and technology is the strength of the country.

With the arrival of the new development pattern of "double cycle", scientific and technological innovation has become an important driving force to promote the high-quality development of the economy, especially in the financial industry, the importance of which has become increasingly prominent. Recently, the central bank issued a notice on the in-depth implementation of the project to enhance the financial service capacity of small and medium-sized micro-enterprises, pointing out that financial institutions in the banking sector should increase the investment in inclusive financial technology and innovate special credit products, which highlights the fact that science and technology is a powerful tool for the development of the financial industry.

At present, technology has been widely used in the financial ecosystem, including retail credit, insurance, guarantee and even capital markets. In the banking financial institutions, there has been the birth of the "king of retail", "cosmic bank", in the non-banking financial institutions, especially licensed consumer finance companies, who will be in this wave of technology to become a real "king of technology"? The first time I've seen this, I've seen it, and I've seen it, and I've seen it.

The Wave of Technology

In fact, this is a comprehensive competition, both in terms of strategic layout, or in terms of technological strength, scientific and technological talent, organizational structure and other aspects of the licensed consumer finance company put forward very high requirements.

In recent years, with the progress of artificial intelligence, big data, cloud computing, blockchain and other new-generation technologies, financial institutions, including licensed consumer finance companies, are increasing their investment in technology, introducing a large number of scientific and technological talents, increasing capital investment, and entering into in-depth cooperation with scientific and technological companies in order to strengthen endogenous creation.

Looking at the entire consumer finance industry, Immediately Consumer Finance (hereinafter referred to as "Immediately Consumer") is at the forefront of technological strength, and is expected to win the first opportunity in this change.

From the strategic layout point of view, at the beginning of the founding, immediately consumer vote by show of hands through the "independent research and development of science and technology" strategy, and has risen to the company's core strategic layout, closely follow the national strategy, and always grasp the core technology in their own hands; at the same time, with the help of scientific and technological power to enhance the level of financial services, to realize the reduction of costs and increase efficiency, and strive to become a technology-driven financial institutions.

From the point of view of scientific and technological strength, up to now, Immediately Consumer has submitted more than 330 patent applications, more than 900 self-research core systems, and obtained 74 soft copyright registration certificates, covering intelligent customer service, intelligent marketing, intelligent collection, intelligent risk control and other scenes.

In addition, the immediate consumption also united with Nankai, Huaxue, Chinese Academy of Sciences and other eight scientific research institutions to set up technology laboratory, for face recognition, NLP, vision of a number of areas for in-depth exploration.

Technological innovation is always driven by talents. Up to now, there are more than 1,000 scientific and technological talents in the consumer, including more than 300 people in the wind control team, gathering a group of international and domestic experts and scholars from large banks and large Internet enterprises. In order to strengthen the cultivation of talents, immediately consume set up the research institute of MUST, formed a development center and six research centers with distinctive characteristics, realizing the two-way drive of "talent cultivation + scientific and technological research and development".

Gathering the world's talents and utilizing them. In April this year, immediately consumer also launched immediately alumni "tired bird nest" activities, to leave the staff threw out the olive branch, enough to reflect the immediately consumer on the high value of talent.

The technological strength of a licensed consumer finance company can also be evidenced by authoritative certifications.

Technology empowers and leads the future

The scientific and technological strength of ConsumersNow is not only the internal driving force to improve its own financial services, but also an important external booster for the digital transformation of financial institutions.

In the era of digital economy, the banking industry is facing digital transformation, whether it is the industrial and commercial banks, construction banks and other state-owned banks or joint-stock banks such as China Merchants Bank are speeding up the digital strategy layout, and gradually deepen the penetration of science and technology in the financial industry.

As the name suggests, digitization refers to the process of converting information into a digital format, transforming an object, image, sound, text, or signal into a series of digitally-expressed points or samples of a discrete collection of expressions.

At present, the performance of digital transformation of financial institutions is focused on the whole process intelligence of retail credit business such as risk control, customer service, marketing, collection, etc. In particular, the digital transformation of customer acquisition and risk control has become an important breakthrough point for financial institutions to achieve secondary growth.

After years of accumulation, Immediately Consumer's mature technological capabilities not only enhance its own business, but also provide external output services to help financial institutions in their digital transformation.

Immediately Consumer has entered the game, relying on the four core driving forces of artificial intelligence, big data, cloud computing, and blockchain, and constructed "a cloud" and "three platforms", namely, the Immediately Financial Cloud and AI platform, big data platform, and business platform, and launched an open platform strategy, realizing the intelligent and intelligent transformation of financial institutions. It has also launched an open platform strategy, realizing the technological openness of intelligent finance, intelligent interaction, cloud platform and intelligent services. The latest data shows that there are more than 200 banks and financial institutions that cooperate with Immediately Consumer.

Taking intelligent risk control as an example, Immediately Consumer has independently researched and developed a number of systems such as the Luma risk control system and the G!colo intelligent post-credit management system, and has created a new generation of big data intelligent risk control platform that can efficiently and accurately identify anti-fraud risks, and the relevant data shows that its intelligent risk checking has already reached 800 million+ person-times, the accuracy of face recognition is as high as 99.99%, and the accuracy of voiceprint recognition is 98.20%. 98.20%.

On the whole, the digital transformation of financial institutions is a process of reducing costs and increasing efficiency, which coincides with the operating concept of immediate consumption, forming a "self-operated + financial cloud + open platform" asset-light model.

Digitalization and intelligence have become the main theme of the financial industry, and technology, as the core competitiveness of the high-quality and sustainable development of immediately consume, will continue to be tapped into the opportunities in the ten trillion scale track.

This article originated from Finance.com