Yi Cheng interaction of non-banking business trials

Lin Kun newspaper reporter

Intern reporter Xu Xiao Sheng Beijing reported

Since the letter Yicheng from the separation, Yi Cheng interaction with the farther and farther.

The former was in 2007, becoming the first Chinese financial information technology service provider listed on NASDAQ. Although, after its experience listed on the generous acquisition of the trials and hardships, but also the first taste of the stock price performance unsatisfactory forced delisting trip. But in the process, the division and cooperation brought by the cultural conflicts and the loss of the core technical personnel caused by the causes of motivation have been so staggering.

Although out of Yu Xin Yi Cheng, but now the easy-interaction team, did not copy the former model. In an interview with 21st Century Business Herald, Han Dong, vice president of YiCheng Interactive, said: "We chose to do a very solid job in this area of ​​financial internet and did not consider the issue of scale for now." He said, "If you can not catch this wave Market, may start early, catch a late set. "

Han Dong said, easy business interaction is focused on the theme of the business, is the Internet bank. Unlike the original single e-banking (online banking trading system) business, Yi Cheng Interactive transforms the business to the entire Internet banking and undertakes many business innovations in terms of business width and thickness. "In the past, if a bank already had an online bank, we probably would not have much room for cooperation." When Han Dong said these remarks, Ericsson's interactive senior management team has explored ten I year.

Han Dong explained, "And Yi Cheng interaction now in addition to online banking, not only the development of online business offices, direct banks, WeChat banking and other products, but also to do community finance, O2O, in addition to, for a particular type of professional market or Industry's e-commerce financial platform, the width and thickness of the business has an unprecedented expansion. "

Market: cater to and guide

It is to see the financial industry, the trend of Internet, looking for customers, easy interaction is not worried. Since the first client, ICBC, started online banking in 2000, the team has accumulated a large amount of customer resources and gradually gained a reputation in the banking industry and trust from customers.

Han Dong told 21st Century Business Herald reporter that in recent years, there has been a demand for connecting the domestic banking business with the Internet. Naturally, they will find the cooperation with the appropriate manufacturers. The team's banking customers accumulated over the past decade or so have displayed their resources value.

Han Dong introduced: "The industry basically every ten years there will be a reshuffle the opportunity, and now a little more than a dozen years ago, the feeling of entrepreneurship."

For more than a decade, E-Tech's interactive team has been building a channel for online banking. Now, banks are still devoting their investment in online banking. E-Tech's interactive team still maintains the traditional business of online banking development. In the future, banks may face the new theme of Internet finance. Many banks have their own physical businesses and online businesses. They will consider increasing their investment in Internet banking. But obviously, Yi Cheng interaction do not worry, early layout, Yi Cheng interaction has taken the initiative. As the market expands and the company invests more in the market, profits are also expanding, and innovative businesses are slowly growing.

Han Dong mentioned that the demand of the market is changing rapidly now: "Before doing the project, the project approval period is ten months and the demand may be completely sorted out in the first three months. Now we are doing some projects and may later In the process of implementation, the demand will always change, and may now require a new version every two weeks, the demand changes frequently, it is very difficult to grasp.Moreover, the new Internet technology is also more difficult to use, And this is more demanding for safety, need to increase some supporting investment. "

The demand of the banking industry has brought opportunities to the enterprises. However, it is obvious that the interaction between Yi Cheng and the banks is not enough to follow the pace of the banks. They hope to use innovation to guide the needs of the banks.

However, Han Dong told reporters in the 21st Century Business Herald that the banks are different in size and their investment in informationization is also different. As for the big banks like Wu Da Xing, which has a strong business team, Yi Cheng interaction is more involved with the formation of a set of landing path in practice. For joint-stock banks, they can intervene more deeply to jointly explore the design, development, construction and operation of innovative products and business models. After these thoughts and experiences have settled down, they can also be used for reference by more regional banks. In particular, banks in the eastern regions such as Ningbo, Hangzhou and Suzhou are more open to the demand of electronic accounts, online business halls, e-commerce platforms and community finance due to the opening up of the economy and the maturity of the e-commerce business. The financial internet The awareness of innovation and innovation is also stronger.

Challenges: non-standard and competition

It is understood that at present, Yi Cheng interaction in Beijing, Shanghai, Guangzhou and other places a total of 800 employees, of which more than 700 technical team. Thus, the core competitiveness of easy interaction is naturally technology, but this is also inevitably affected by the industry.

Han Dong told reporters that as the bank's service system to build a solid, the United States itself does not have the concept of Internet finance. Compared with the more standardized models of financial innovation derivatives abroad, China's innovation is still groping for them, and has not formed several sets of relatively standard module standards.

Han Dong introduction, the company is facing the biggest problem is that technicians in the business scene to adapt to the problem. "In the past, the types of jobs were similar and the jobs were the same. Now different projects have different requirements for business support, different requirements for technology platforms, different degrees of tension and difficulty." This also requires that the original focus on the financial This team building IT needs to invest more effort in the field of Internet, but also needs the help of the introduction and integration of Internet talents.

Second, competitors are also increasing. Han Dong introduced, and before the era of Yu Xin Yi Cheng, now two or three times more competitors. Because now the financial Internet business scope than the previous simple online banking a lot broader, different businesses also brought them different competitors.

In the face of many competitors, Yi Cheng interaction in the Internet financial business system has been cautious. Han Dong introduced, "We do not blindly do a series of products, such as insisting on not doing bank online store." "The environment, the Internet finance after more than a year, the industry's mentality began to stabilize, return to a cautious attitude, the bank Be relatively cautious when doing business, "he added.

A similar organization in the positive market PK, the first fight is the team for the bank in the entire business when fully connected to the Internet planning. "This is different from the previous online banking, you need to consider the next three to five years, which requires inspection team technical breadth and thickness." Han Dong said.

In the case of accumulation, Yi Cheng interaction also take the first step. Since 2013, the Company has increased its investment in products and has accumulated several cases of banks for O2O products in the industry. Perhaps before examining a manufacturer is more about its technology platform and capabilities, and now, as the cycle shortens, the first step to make the case is particularly important. Through the accumulation of customer groups and diversified cases over the years, the company team has avoided the competition of falling into the fight ability and the fight for people.

Yi Cheng interaction in addition to developing products for the bank, but also involved in providing information for the bank advisory services. In a large joint-stock bank's business, there are two types of teams that are easy to interact with. One is to do online banking and innovative development for banks. The other is a 70-person business team that collects general information and wants Ideas, ideas.

Since the bank started its information construction, banks have not stopped worrying about the safety of funds. However, the construction of internet banking still exists. Financial information service companies how to eliminate the bank's worry? How to control the risk?

The interactive experience of YiCheng is that banks have the relevant safety norms promulgated by the supervisory department of the People's Bank of China when they are engaged in Internet business scenarios such as online banking, e-commerce platform or online business hall. Each side has a professional bank assessment - Attack risk, rating, these norms have become the industry standard.

Non-banking business trial

Since 2010, banks have become increasingly clear about Internet finance. Some banks have set up Internet financial operations centers. For example, Bank of Communications set up a special R & D center in Beijing for this purpose. Bank of China proposed a two-wheel drive for channel construction and innovation.

Banks gradually wake up on the Internet financial awareness, will shorten the bank that builds the Internet scenario for the profitability of the easy-interaction of vitality? Han Dong is relatively optimistic about this - we are also laying out innovative businesses for other non-single service banks. Two years ago, we had set up a dedicated innovation team in preparation for a direct Internet-oriented business model based on the financial internet, cross-border innovation in transportation, logistics, insurance, community service and related applications. The company Will also consider independently operating or participating in operations.

Han Dong said that at present, the company does not have any particular dedication to the introduction of venture capital. "If there is any investment, the pace may move faster, and if there is no capital injection, we will go a long way." The Yi Cheng interaction is not willing to be mergers and acquisitions, there is no time to mergers and acquisitions of other people's ideas, their target is a three-year performance growth plan, and then start the listing plan. (Editor Lin Kun)