Mobile Financial 3.0 era of the release

June 27, Shanghai Pudong Development Bank, China Mobile and Fudan University jointly issued the Mobile Financial 3.0 standard, which is commercial banks use big data to more accurate analysis of users rely on wearable mobile devices, customers are also involved in financial products Create a process.

Jiang Mingsheng, vice president of Shanghai Pudong Development Bank, said: "One of the changes brought by the Mobile Financial 3.0 era is that users will be directly involved in financial production."

"Socialization, the commercialization of mobile financial business model will be a trend in the future, but how to achieve this vision to be explored." A branch of electronic banking department told the "Daily Economic News" reporter, the Shanghai Pudong Development Bank The concept of "mobile banking" being developed is about to be dismissed.

The feasibility of "mobile banking" to be tested

Following the beginning of the year, China Mobile joined Pudong Development Bank to launch NFC mobile payment for subway applications. Recently, Shanghai Pudong Development Bank, China Mobile and Fudan University jointly issued the announcement that Shanghai Pudong Development Bank will launch a supply chain financial solution in response to the financing needs of China Mobile upstream and downstream enterprises. Mobile Financial 3.0 standard, by the customer involved in the creation of financial products process, to provide users with overall financial solutions.

Take the example of the user to buy bank wealth management products. At present, the bank service models are standardized products issued by the banks, and the users choose the closest purchase to their needs.

"In the future, based on big data analysis, commercial banks can invite users to make demands on their own initiative, such as deadlines and risk appetite. When a certain number of users with similar needs reach a certain number, commercial banks will issue corresponding products to meet customer needs so as to achieve common Production '. "Jiang Mingsheng told the" Daily Economic News "reporter.

It is reported that online banking mobile phone can be called the era of mobile finance 1.0; with smart phones and NFC (near field payment) and other technologies appear, banks can provide customers with near-field and remote integration of financial services, that is, the 2.0 era. At present, mobile finance has entered the third stage in our country.

The technology carrier mainly supported by the Mobile Financial 3.0 era is a wearable mobile device. According to Luo Pinliang, a professor at Fudan University, mobile finance 3.0 will show a multi-carrier trend on the hardware interface. It will no longer be limited to mobile phones and tablet computers. It will also include terminals for automobiles and wearable devices. With the development of Internet of Things technology, the terminal carrier of the future of mobile finance is expected to be extended to all networked objects.

Xue Jianhua, deputy general manager of Shanghai Pudong Development Bank e-banking department also disclosed the bank is currently developing the upcoming "mobile banking" product assumptions: the car as a banking service venue, building an independent, mobile, serving in a fixed location bank complex business Outlets With the help of bank employees, customers can semi-self-finance financial services such as card issuance, investment and wealth management, and public utility payment in the form of O2O in "Mobile Banking" through the mobile Internet.

However, the aforesaid shareholding bank e-banking department said that the move to move the bank outlets in fact is to solve the problem of face-reading that Mobile Finance can not bypass. But it is questionable whether such bank outlets placed on the car can really improve the efficiency of users in handling financial business.

Mobile financial banks still play a leading role

According to Xue Jianhua's conception, in the era of mobile finance 3.0, when a user sees a favorite product, he can know in real time which one except the basic attribute, the purchasing channel and the price of the product in addition to the wearable mobile device Bank credit card can enjoy the discount, whether it can apply for consumer loans and other financial information; if the customer needs, with mobile finance, just a few keys to buy and complete all service processes.

In the meantime, commercial banks will further rely on social platforms to combine their social life and financial experience to form a vertical social financial circle.

However, e-commerce and social networking are never the strengths of banks.

"Socialization and e-commerce mobile financial business model will be a trend in the future, but how to achieve this vision to be explored. I think banks should be more and electricity suppliers, third-party payment cooperation, go it alone to build a mobile financial ecosystem Circle, or very difficult. "The aforementioned shares of Bank of Electronic Banking Department told the" Daily Economic News "reporter.

It is noteworthy that the rapid development of mobile Internet, making mobile operators, third-party payment and banking in the field of mobile finance more intense competition.

However, to Jiang Mingsheng, compared with Internet companies, banks' investment channels, asset allocation capabilities and various tools in the payment field determine that banks will play a leading role in mobile finance.