The financial transformation demand in the digital economy

Author:Changde All -Media Time:2022.08.26

The wave of digital economy has swept away, and is reconstructing the global economic structure and production factors. As an important part of the digital economy, the financial industry is also accelerating the pace of digital transformation. The demand for online products and services has increased. The financial industry practitioners quickly respond to the needs of the market to adapt to the new market form in the digital economy and enhance the core competitiveness of the enterprise.

Earlier, we have interviewed the technical party behind the Digitalman of the Finance and Economics Lang Xianping -Shanghai Aojin Digital Technology. As the holding subsidiary of Guao Technology, it is mainly responsible for the research and development and application of virtual digital human technology. Innovative application of digital human technology in the field of financial investment education and investment advisory fields for cutting -edge exploration.

Why did Gu'ao Technology make such a big strategic transformation? Where is the cause behind it? Under the transformation, what adjustments will happen to the business direction? Will there be competitive and cooperative relationships with more fintech companies? The most important thing is that we are curious how a brand new technology such as Guao Technology and Digital people are bound to, and explore the first step to get out of the financial digital people?

With the above questions, "Artificial Intelligence Today" interviewed the deputy general manager and CFO Jiang Xiaodan of Shanghai Gu'ao Electronic Technology Co., Ltd.. She explained in detail the business transformation of Guao Technology in recent years. Regarding the determination and perseverance of transformation, under the digital economy, the market environment changes, and companies can only go further by seizing opportunities.

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Question: Gu'ao Technology explores new products around technologies such as artificial intelligence, big data, blockchain, etc. Can you briefly sort out the current product lines and solutions?

Answer: At present, Gu'ao Technology is actively transformed into the field of financial information services. Products and services cover professional financial institutions such as various banks, securities companies, futures companies and public equity, and private equity. The fast -moving Internet technology financial information intelligent service platform, deeply excavate the data of financial products such as stocks, funds, foreign exchange, and futures to meet investors' needs for financial information services.

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In summary, Guao Technology's product line can be divided into three parts.

The first part is the business of financial machinery and digital RMB machinery. Financial machinery is the traditional business line of Guao Technology. Due to the influence of the economic and social environment, the company is currently gradually reducing its proportion of its main business and actively transforming to digital RMB supporting equipment. At present, Guao Technology has developed related products such as digital RMB hard wallets and digital RMB hardware wallet multifunctional machines, which can realize digital RMB -related functions such as dual offline payment.

The second part is the securities information service. Earlier, Guao Technology completed the acquisition of 60%of Shanghai Qianyu Information Technology Co., Ltd. and 51%equity of Donggao (Beijing) Technology Co., Ltd.. Based on this, the options and futures software of the To B and C -terminals were developed. It improved the layout of Guao Technology in financial information services such as securities, options, and futures, and provided a richer imagination space for the transformation of the smart financial business of Guao Technology.

The third part is, financial/bank digital people and Yuan universe financial services. Guao Technology creates a real -life digital twin through cooperation with well -known financial IP. It is used in the financial industry's short video content/curriculum production, drainage customer acquisition, personalized services, etc. At the same time Provide services. In the future, Gu'ao Technology will also establish a small financial town of the Yuan universe to provide investors with multi -directional information and content services such as financial and financial education, information, reporting, strategy, and data with classification, classification, and subsequent scenes.

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Question: With the development of smartphones and Internet technology finance, online payment is widely popular, banks' cash business sections are eroded, and emerging payment forms such as digital RMB at the same time appear. These are the business and development direction of Guao Technology. Is there an impact? How do you think of the changes in the market?

Answer: The development of science and technology has brought about changes in productivity. At present, the digital economy has become the mainstream and motivation of the development of the world economy, and it has brought huge disruptive innovation to the economy and society. We are ushered in the stage of market environment. Opportunities and challenges coexist. Only by conforming to market changes and actively adjusting business structures, we can seize the opportunities of the times and meet the needs of markets and consumers.

The traditional business of Guao Technology is financial machinery. With the rise of mobile payment, the market environment has changed. The company is gradually reducing the proportion of traditional financial machinery business and transforming smart financial information service providers. Relying on the company's original advantages in the financial field, the development of digital RMB and supporting hardware equipment has been developed to consolidate the original market, while in the fields of securities information services, the Yuan universe, digital people and other fields, it has made a multi -position layout.

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Question: What do you think of this business transformation of Guao Technology?

Answer: I think the advantages are mainly reflected in three aspects.

First of all, in terms of resources, from the beginning of the establishment of Guao Technology in 1996, it has been deeply cultivated in software and hardware services in the fields of finance, finance, products and services. The accumulation of a large number of financial customer resources can help the success of business transformation.

Secondly, on the team, talents are the first productive forces and the company's most precious resource. After years of development, Guao Technology has been stable and tacit, and the executive team is efficiently united. Finally, the determination and execution of the transformation. Since the determination of the business transformation in 2021, Guao Technology has adopted the "investment+operation" two -wheel drive method. Many companies such as Jin have improved the product and business matrix of Guao Technology. At present, Gu'ao Technology is still paying attention to multiple standards. I believe that new business companies will join this big family in the future. Please pay attention.

Question: What are the explorations and layouts of Guao Technology for the field of digital people? What do you think is the significance and value of financial digital people? Will it become one of the mainstream of the industry in the future?

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Answer: In the application of digital people, Guao Technology focuses on real digital twins, which cooperate with the company's business transformation needs, and apply in the following two areas: digital people in the field of financial investment education and investment advisory Training, securities consulting services; bank digital applications, and provide relational operation services for high net worth customers in banks.

The three elements of productive forces are labor data, objects, and workers, which constitute the inherent power foundation of social development. The birth of financial and economic digital people can be said to be a complete subversive of the financial investment education and investment consulting industry. Earlier, the production efficiency of the production and output of financial content was very low, and the business development was slow, but the digital people completely got rid of The traditional way. No real people are required to solve the problems affected by factors such as the skill level and physical condition of the workers in the production process; no professional shooting personnel, equipment and venues are required, the digital model construction and the input of text content can be completed. The output greatly improves the efficiency of labor tools.

It is worth mentioning that digital people can only play the role of online content production and interaction. Offline training is more dependent on real people. I believe that in the future for a long time, the "real person+digital person" mode coexist in the future It will exist for a long time.

Q: Can bank digital people help solve the pain points and difficulties in the financial service industry?

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Answer: Digital people's attempts in the banking field are mainly for customer relationship operations. If the bank manager, customer manager and big customers have three perspectives, you can find problems at this stage.

From the perspective of bank managers, the main question is the question of how the customer manager manages, how to complete the service and movement of the service, how to understand the work progress and results of the customer manager in time, and how to undertake how to undertake the customer manager after leaving the client manager. Customer question. From the perspective of the customer manager, a customer manager needs to face a large number of large customers and cannot provide timely services and feedback one -to -one. At the same time, the time cycle of trust with large customers is long. The preferences and interests. From the perspective of big customers, customer managers often change, not only cannot receive high -quality 1V1 services, but also leave aimless harassment.

Export services through the unified image of the financial digital person IP, and become a personal financial steward of high net worth users. With the help of target management, process tracking, key support, data board, etc., it provides customer managers with personalized services. The standardization of action and personalized service content allows bank managers to understand the service progress and results of big customers in time. At the same time, it can also allow large customers to experience the service of 1V1 and accurately obtain interest content.

Question: What goals and strategic layouts are there in the future?

Answer: At present, the company's traditional main business is financial machinery, and the product composition is mainly the front/background financial equipment used by banking financial institutions. In the context of the current "Internet+Finance", new generation of information technology such as mobile payment, cloud computing, and artificial intelligence has developed rapidly. The traditional banking industry business model has been severely challenged. And actively promote the implementation. To this end, Gu'ao Technology will actively transform into the financial information service field to create an intelligent service platform for diversified, personalized, varieties, and fast change to meet investors' needs for Internet financial information services.

Digital transformation is the general trend. In addition, the impact of the external environment such as continuous epidemic and geopolitical situations, and the financial industry is in an era of unprecedented changes. Financial practitioners must deeply understand the changes in the market situation and continue to continue in the treasure trove of digital finance technology. "Nuggets" promotes the digital transformation and upgrading of the industry.

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