Peak: Industrial Digital Finance is the new momentum of digital transformation of banks in the current bank

On August 10, the "2022 Digital Transformation and Development Summit Forum" officially opened in Beijing. The forum is based on the theme of "digital native, industrial new life, and value symbiosis". The guests participating in the conference focused on the latest trends of digital transformation, shared digital transformation and innovation results, and established industry development vane.

At the meeting, the peak of the chief information officer of the China Banking Association delivered a keynote speech on the title of "Multi -perspective insight into the advanced transformation of the banking industry". Gao Feng said that customer extreme experience, industrial digital finance, and value system reconstruction will become the key direction and area of ​​defining the successful transformation of banks.

He believes that "there are two major parts of digital finance: one is consumer digital finance, and the other is industrial digital finance. In the past ten years, consumer digital finance has developed rapidly under the drive of major Internet companies. Whether it is customer acquisition, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, customers, and customers, whether Operations and risk control have reached a relatively mature level, but the distance from the ultimate customer experience will always be on the road. "Create the ultimate customer experience, on the one hand, it needs to strengthen data governance infrastructure, open up data and share data; on the other hand, digitalization, digitalization Operation is the key to the advanced digital transformation.

"Industrial digital finance is the key direction of the current digital transformation of the banking industry, and it is also the new momentum of bank digital transformation." Gao Feng believes that the integration of industrial development and digital technology and digital finance is more closely, and high requirements for financial services have been put forward. It is imperative.

Gao Feng believes that the banking industry needs to establish a set of unified understanding and authoritative values ​​and evaluation models, and unified stakeholders' awareness and goal awareness of digital value. The China Banking Association and Xinong Institute jointly led, and the joint bank and the industrial side established the research project group of bank digital transformation input validity evaluation, and finally formed a digital transformation investment performance "River" index model. From the perspective of bank supervision, shareholders, and executives, it reflects that banks, innovation and competitiveness, value creation, development potential (EDGE), risks and security (RISK) The ability of the dimension.

At this forum, the China Banking Association and Xintong Institute jointly launched the "Research Report on the Evaluation of Digital Transformation of the Bank" to jointly study and sort out the evaluation objects, principles and points of the bank's digital transformation maturity evaluation system. At the same time, the Xintong Institute relies on the digital transformation maturity methodology IOMM, and jointly formulates the standards of the "Bank of Digital Capacity and Operations Mature Model (IMM-BANK)" with the China Banking Association. The standard closely follows the overall requirements of the "Guiding Opinions on the Digital Transformation of the Banking Insurance Industry" issued by the Banking Regulatory Commission, and discusses the indicators of digital strategy and organizational structure, business management, scientific and technological capabilities, data capabilities, and risk compliance.

[Editor in charge: Yan Yuxin]

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