I. Background of the development of digital transformation

With the continued advancement of the new round of scientific and technological revolution and industrial change, superimposed on the impact of the epidemic factors, the digital economy has become the most dynamic, innovative and widely radiating economic form, and has become one of the core growth points of the national economy. Against the backdrop of the booming digital economy, the banking industry has continued to increase its investment in financial technology, actively exploring the application of digital technology and strengthening digitalization. According to the data released by the CBRC, the total capital investment in information technology in the banking industry in 2020 amounted to 207.8 billion yuan, up 20% year-on-year.

Second, the development of characteristics

Banks in the process of digital transformation and development, the business model presents the following characteristics:

Platform, integrated: with the development of information technology, the bank will be its own wealth management, investment, consumption, payment, and other one-stop financial business processing needs integrated into a system platform, mobile APP, customers can be handled in a one-stop.

Mobile and intelligent: Banks are accelerating the transformation of their financial services to fully online and intelligent, and banks are taking mobile banking as the frontier of customer service and digital transformation, creating a mobile banking APP platform ecology, where "a cell phone is a bank branch".

At the same time in the bank internal and external comprehensive use of big data risk control, precision marketing, intelligent investment, intelligent customer service, intelligent systems and other emerging technologies.

Scenario, ecology: banks in digital transformation gradually with traditional financial institutions, scene platform institutions, financial technology companies, emerging Internet financial institutions, corporate merchants and other diversified subjects in the scene, data, technology and other areas of the * * * build * * * * enjoy, interact * * * born, * * * with the creation of a smart business ecology.