The fund company that settled ant to take money, learn "well-behaved"

The fund company that settled ant to take money, learn "well-behaved"

Original AI Financial Review

2018-01-09
The author follows the frontier

Author: Wen Xiaohua

Reports from the @ai Financial Review

June 14 Ant's Gold Service announces two events. The first is to announce the opening of the latest AI technology to financial institutions, and the second is the official line of "wealth", to fund companies, banks and other types of financial institutions open. Among them, the AI technology includes the data based user portrait recognition.

Lei Feng Network AI Financial Review report, January 8, the ant Gold Service wealth revealed six months to work with the fund company's performance. Ant Wealth published data show that the wealth of 6 months, 25 fund companies in the wealth of ants out of the "wealth", and thus derived 10 types of infiltration in investment education, product science, hot news, such as more than 500 service scenarios.

The fund company is also very satisfied with the marketing performance after entering the wealth number. China Fund announced data, the fund's wealth number of fans grew by up to 3,000%. However, when the media asked how much of the current fund company's sales from the Bat channel, the communication will include the bank Schroeder, rich funds, Huaxia funds, Minsheng fund, such as the presence of the Cooperation fund companies, not specifically disclosed.

It is worth mentioning that, according to Lei Feng Network AI Financial comments understand, each fund company most regrets, is how in with the ant Golden Clothing cooperation--based on the Big data portrait portrayal, to change own marketing operation means, including product packaging, communication language and copy promotion, in order to use the Internet small white customers, young customers can accept the way , to serve customers.

In addition, in customer service, Huaxia Fund said that the wealth of the scene operations to the fund company provides a better means of communication with customers. For example, the FOF products, which have been listed for two months, are well known to be suitable for long-term holdings, not short-term, frequent transactions, "it is more necessary to constantly interact with investment clients, more with the long-term holdings of investors." ”

such as the Bank of edging Schroeder fund management company Retail Finance Department general manager of the finger: pinned on the wealth, even if the fund company's sales increased, but there is always a problem, that is--the fund is very profitable, but why many customers do not make money.

"Greed and fear, asymmetric information, lack of investment knowledge and investment experience," edging concluded, and because of this, the fund sales model, also need in how to successfully assist the small white customers on the basis of.

"Users will tell you what they like. "Huaxia Fund Vice President Li Yimei summary." "User feedback can be reflected in the data, now we fully feel the power of data-driven, with data results to optimize their products, operations, and even decision-making, this has never been." "Li Yimei said.

Although these innovations look very small, but the service model changes, behind the fund companies in the face of the Internet technology progress under the impact of the process reengineering. Li Yimei, vice president of Huaxia Foundation, said to Lei Feng Ai Financial Review, "the greatest value of wealth is to promote the traditional financial institutions to change themselves from the bottom up." ”

According to Li Yimei, in order to cope with the impact of Internet technology on the financial industry, Huaxia fund has made some changes. For example, they absorb the internet's talent formation model, "Huaxia fund within the establishment of the Internet Finance Department, talent formation covers the business needs of the division of labor, to reduce the original fund company needs of production chain, to ensure rapid response and operation." ”

However, in general, still have to say, the use of financial science and technology innovation Wealth management business, if still stay in the flow of access and product marketing, it seems short-sighted and lazy government.

For the traditional financial institutions, this is a familiar routine, but technological advances have forced them to attach themselves to technology companies. Previously sold through the bank of various types of funds, insurance and other financial products, itself is a platform-like operation, to now only rely on internet technology and become more convenient.

Further, the use of financial technology by wealth management should not be halted in product sales. Whether it's an Internet technology company or a traditional financial institution, we want to see more innovation.