Big Data has a big effect

With the development of internet finance in full swing today, big Data application has become a tool for commercial banks to implement information strategy. In recent years, ICBC Jiangsu Branch, through exploring the new service mode under the Big Data application, actively expand the service new field, take the lead in creating the service new team, set up a customer-centric precision service system, and achieved good economic benefits. By the end of the three quarter, the branch of the customer's deposit balance net increase of 270 million yuan, a net financial balance of 30.736 million yuan, the net increase of 9.041 million yuan, the insurance balance net increase of 2.862 million yuan, loan-to-credit products customers added 11,700 people.

It is understood that the precision service system of ICBC Jiangsu Branch mainly relies on its strong Data warehouse platform (EDW), through the full application of big data mining, analysis and other modern information technology, the data will be directly pushed to PBMs, net silver, SMS, Teller system and other marketing services channels to achieve accurate service.

According to the introduction, at present, the ICBC Jiangsu branch of the Big Data application has been extended from a single dimension to multiple dimensions, from static analysis to dynamic triggering, from the fundamental research into personalized customization, to provide customers with more comprehensive and more thoughtful service. Since the second half of this year, the bank has used the data model to explore the new marketing service model of direct bank with big data analysis as a breakthrough.

ICBC Jiangsu Branch selected suitable for online marketing of personal products, through the remote channel by the remote maintenance team to provide customers with banking products and services. The branch in the national ICBC system in the first "1+2" product package, that is, salary Bao + net banking + Mobile banking and increase the wealth of banking + Bank + mobile Banking, through the telephone marketing cumulative sales increase the wealth of 43.0517 million yuan, salary bao 5.0299 million yuan, new net Silver customers 71, new mobile banking customers 44, The final model marketing success rate of 21.51%, the actual customer experience and marketing success rate is far higher than the physical network.

The branch also use the January 12 this year, ICBC (601398, shares bar) on-line e-commerce platform "to buy" in the province to carry out points of customer precision marketing services activities. "E-purchase" with flexible payment, financing facilities, shopping can be loans, points can be reached, quality assurance, login very convenient financial services advantages, based on the platform to carry out the points of customer precision marketing services activities to better meet the needs of customers, multi-level. In order to further promote the traditional bank marketing service model and the organic integration of Internet finance, ICBC Jiangsu Branch screened the target customers through EDW, and actively promoted the marketing service progress, realized the fast growth of "e-shopping" business. The number of new customers in the three quarter of 183,000, more than 30,000 in the second quarter, the realization of "E-buy" turnover of 1.58 billion yuan, two times the turnover of the quarter.

In the field of service development, ICBC Jiangsu Branch continues to expand "Big data" business intelligence in the level of practical application of the depth and breadth, guide the grassroots line adhere to the "information efficiency, Management success" business principles, in-depth exploration of development potential, and effectively change the mode of operation.

At the beginning of this year, the branch decided to carry out the pilot of Informatization Bank in Wuxi, and implemented the 9 Big data support projects, such as legal person, individual and channel, including three aspects of corporate, personal, channels, and so on. After 9 months of successful completion of 43 data mining projects, a strong promotion of business development. As of the end of the three quarter, Wuxi opened a new effective legal entity settlement account, added individual effective accumulation of customers, the wealth of customers Platinum Card Holdings, counter business can be divided into a number of indicators in the province in a leading position.

In order to further play the role of Big Data application in Bank Management and business services, the branch will continue to implement the "data management" approach, outreach to understand more specific, customer-oriented marketing service needs, accurate guidance, direct line; At the same time, relying on the information sharing platform "network

"To share customer marketing resources, information application cases and information analysis results, enhance inter-bank interaction and experience sharing, and provide stronger data support for grassroots business transformation and service upgrading.

In addition to its strong technical support, the precision Marketing service of ICBC Jiangsu Branch is also key in staffing. At the beginning of this year, the bank set up a team of analysts with data analysts and professional analysts with a high starting point, high standards, high-level training, and a "three-height" standard. At the same time, continuously from the ICBC headquarters, the Central Party School, Colleges and universities invite experts and scholars to hold an analyst training course, strengthen the combination of theory and practice, comprehensively improve the analyst team data mining and analysis capabilities.

Big Data has a big effect