Discover more business value for financial institutions with cloud computing

When people's understanding of financial information is also biased in the core system construction, whether to find that in addition to the core system, the financial institutions of the Channel information construction is also worthy of attention? When people also look at the cloud computing faster, cost reduction characteristics, whether the hidden in the "cloud" behind the commercial value?

When cloud computing meets finance-such a valuable customer data, close customer relationship, essentially a service to the customer's industry, can the general application of "tap water" be able to help financial institutions discover more business value, create more innovative businesses, and make the financial sector more diversified in channel-related information?

With these questions, the network reporter interviewed the Beijing Bird Software Co., Ltd. Cloud computing experts-VP Chen Junxiang, from the perspective of solution providers, on how cloud computing to help the financial industry to release more business value, and cloud computing on the financial institutions of the construction of the channel system to play an in-depth discussion. Chen Junxiang The business value of cloud computing, that cloud computing has been developed to a relatively stable financial core system in the short term space, and channel construction is the real place to play the role of cloud computing.

It is understood that bird cloud computing in the financial sector in the cloud solution-credit card Marketing system is currently serving the Guangdong Bank, through the financial products marketing platform to promote customer compliance cost center to the profit center of the transformation, to increase the active call, to help banks improve output value, accurate targeting target customers, It is one of the practices that combines the business value of cloud computing with the success of banking marketing, from which it is not difficult to pry into the huge business opportunities that lurk behind cloud computing and which it can bring to the bank's marketing channels.

"Cloud" under the initiative, Precision, integrated marketing

In the field of financial informatization, the construction of its information system can be divided into two parts: core system and channel construction. Unlike the channel electronic bank in favor of the transaction type, customer service type system, bird financial products Marketing system positioning "marketing", through a reliable and convenient cloud structure to promote bank marketing.

Chen Junxiang that, along with the retail finance, the wealth management service is increasingly rich, the channel is more and more important, through the cloud computing system, the marketing product is not only the credit card, but is related with the credit card, even and the credit related derivative product, may do Cross-sell, the bank uses his customer channel to sell or non-financial products. Whether mixed business or cross-industry integration, can play a very good effect.

This kind of marketing orientation conforms to the increasingly vigorous development trend of consumer finance, under the consumer finance, how the bank's marketing potential is developed becomes the key point, the bank has the precious huge account resources, then how through the cloud computing technology platform uses these resources, causes the bank to be more accurate, the initiative and the integration in the marketing above, Unleash more business potential? is a question worth thinking about.

Active。 than in the past waiting for customers to buy products and services, through the cloud computing marketing system, banks can transcend time and space, geographical, physical equipment restrictions, through the voice, seats and other channels to actively contact customers, complete the telephone or online sales. Chen Junxiang that this breaks the rule that the former services cannot be targeted at unfamiliar clients, and that there are a large number of potential customers being developed in the active process, which is a big boost to the country's overall financial productivity.

Accurate。 If the initiative is the first level, then precision is its further deepening. Chen Junxiang introduced, in the active process, through cloud computing to increase the clustering of data information and matching processing, so that banks can more accurately define customer preferences, target customer base, excluding potential users, more accurate to complete the product matching. Because of this precise positioning, so that the initiative is no longer a blind initiative, but to meet the needs of the initiative. As a result, more than 10 of years of valuable customer data stored in the core system of the bank have been given the commercial value of its own, making it more profitable for banks.

"Banks can finally achieve customer-centric rather than product-centric services, the bank more than 10 of years of customer data households finally realized the use of the relationship between households to carry out a closer personalized sales." "Chen Junxiang said.

Integration。 The so-called integrated marketing, is to customer-centric, from the customer activities in contact with the various channels to complete. At present, the main voice channel, covering to micro-bo, social networks and other multi-channel at any time to do more accurate analysis of customer information, making marketing more comprehensive. Chen Junxiang introduced that this kind of business integration marketing redefined the business process, will be agents sales, ground sales and other business flow integration, emphasizing the business through and data from beginning to end, the formation of a variety of marketing patterns of collaboration.

"Cloud computing has the potential to quantify many of the previously ideal marketing models and concepts, such as the minimum scale for previous sales is in days, and the system's marketing activities can be shortened to 15 minutes, which makes the previously large sales front very flexible." "Chen Junxiang said.

At present, the bird of this set of cloud based marketing system in the Guangdong Bank has good practical experience, to help the bank in business innovation and marketing has made a decent performance. The leader of the bank's credit card center has stated publicly that in the past, the bank's electronic marketing system is looking for customers with a magnifying glass, and the customer is not equal to lead to a deal. Now the cloud computing system is the equivalent of a microscope, and cloud computing is a great breakthrough for banks to pinpoint customers. In addition, cloud computing's large data capabilities also help banks reduce the number of data-alignment and filtering work.

In the cloud, the banks and even the financial institutions of the channel construction will bloom how wonderful, the impact of what kind of business sparks, it is worth everyone to wait and see.

(Responsible editor: Schpeppen)