Micro-Bank Lu Daowhe: Why do we have to do a bank in the cloud computing technology?
In 2016, the wave of financial technology relying on a series of innovative technologies such as big data, cloud computing, artificial intelligence and blockchain has swept the world and has become the mainstream trend of the financial services industry in the future. At the just past Internet Industry Conference, Lu Dahe, head of the infrastructure products division of MicroBanking Bank, shared the practical experience of MicroBank and Tencent Cloud in their cooperation in exporting financial technologies to help their peers. "Cloud computing" Internet banking As the first Internet bank in China, MicroBank has positioned itself as a provider of "inclusive financial services" using the Internet and has the dual attributes of Internet and finance since it was born. While 53% of the employees are science and technology personnel, it represents the Bank of Micro Bank attaches great importance to science and technology. "MicroBank pursues innovation in finance through the Internet model, including the fact that all business systems are built using cloud computing technology." Lu Dahe and introduction, micro-bank Tencent cloud as its underlying technical support, and design and distribution with Tencent cloud distribution The basic platform of the financial system, Tencent cloud support WeChat, QQ and other large-scale user technology system introduced to the micro-bank's IT architecture, making the system has the cloud computing scalability, standardization, low cost and massive data processing capabilities . "In the cloud, the traditional financial industry in the pursuit of security, stability and controllable and other elements can also be fully satisfied." Lu Da and introduction, Tencent cloud security and stability of the financial cloud products on the entire system to provide a solid foundation for the operation , And based on Tencent cloud technology products, Weixin Bank has also done to meet the bank-level requirements of the package, to build a set of financial-level independent controllable technology system and automated operation and maintenance system, the financial DEVOPS ecology. In 2015, Weixin Bank was selected as one of the "Top 10 Financial Information Issues in 2015" with the successful construction of a fully autonomous bank technology system. "Cloud computing architecture allows micro-public to maintain a flexible capacity expansion strategy, while reducing the technical costs of micro accounts for a single user account mini bank only 5%," said Lu Daoshi. Cloud technology in mobile financial services "Cloud computing technology not only brings about the change of infrastructure and the reduction of IT operation and maintenance costs, but also brings more possibilities to innovate the financial business model through the many technical capabilities carried by cloud computing," said Lu Taohe. Ludo made an explanation on the example of artificial intelligence cloud customer service built by Weizhong Bank in collaboration with Tencent Cloud and WeChat Pattern Recognition Team Q & A Engine. This smart cloud customer service system through Tencent cloud fast, secure, zero-cost access to solve the financial business customer service costs, low efficiency and other issues. Ludo and revealed that MicroBank based on smart cloud customer service small Weijia robot daily handling customer problems as high as 97.9%, coupled with eight artificial customer service, micro-bank's own smart customer service WeChat public number on the daily information processing The amount of more than 900,000. In addition, with the help of Tencent's excellent chart technology based on Tencent Cloud and using the world's leading face recognition and comparison technology for face verification, remote face check and asynchronous auditing capabilities, Weixin Bank has also implemented online KYC auditing and remote identity authentication , Speed ​​up the promotion of bank accounts online, there are already 200 million customers brush face practice. It is understood that Tencent gifted Figure technology in face recognition, image recognition, audio recognition technology in the International Artificial Intelligence Competition has created a world record, including face recognition technology is 99.65% accuracy rate among the best in the world. For mobile financial innovation, Lu Da He said that mobile finance can not do without mobile services, online KYC audit and remote identity authentication, micro-public hope through smart cloud customer service, online KYC audit and remote identity authentication together to promote the development of the entire industry, Make the new technology bring convenient services to benefit more people. It is understood that as of December, MicroBan has 58 patents in the field of financial science and technology patents received by the Patent Office notice. Cloud computing support blockchain application floor Since the beginning of this year, the blockchain has become the hottest topic in the financial circle. The application of the centralized blockchain technology has also become the focus of research in the financial science and technology circle. In the industry view, cloud computing-related technologies have an important role in promoting the application of blockchain. Lu Daoshi and introduction, micro-public banks to actively promote the long-term blockchain technology application. In May this year, as a sponsor institution, Weixin Bank established the Shenzhen Financial Blockchain Partnership Alliance (Shenzhen) ("Jinchao League") in more than 30 financial enterprises. In August, Weixin Bank and Tencent Cloud announced the first BaaS affiliate chain cloud service in the domestic financial industry. BaaS cloud services can greatly improve blockchain transaction performance, without consuming a large amount of computing resources. For developers, BaaS offers a friendly, simple, cross-platform application development API that accelerates the development process and graphical management console and blockchain browser to improve the operational experience of blockchain creation and management. The launch of BaaS Cloud Services drastically reduces business settlements and clearing of accounts across financial institutions, allowing transactions across financial institutions to be swift and cost-effective. In fact, blockchain technology has been used in the microfinance bank's own business. Lu Daoshi and introduction, the first micro-bank "joint loan model" for retail customers to provide small loans, the current particle loan products currently have more than 10 million customers, the amount paid also exceeded 100 billion yuan. However, unlike most traditional banks, which operate independently, MicroBanz operates on a co-lending model with partner banks, with 80% of their funds coming from other banks, each day involving high interest, interest rates, principal clearing and settlement. "Obviously, the supporting role of cloud computing technology is indispensable." "Cloud computing will bring more possibilities for financial technology." Luodao He said that micro-public banks will work together with Tencent Cloud to export many financial and technological capabilities to their counterparts and help traditional financial practitioners use Internet technologies in the cloud Artificial intelligence handles big data. Stone Paper Hardcover Notebook Stone Notebook with Signed Pen Set,Cowhide Stone Notebook,Best Pen for Stone Paper Shenzhen Stone Paper Enterprise , https://www.stonepowersz.com