With the rise of a new round of technological and industrial revolution, the global economic pattern is gradually transforming into digitalization. With the wide application of digital technology and the vigorous development of internet finance, the information barrier of traditional banks has been broken, and the boundary between finance and technology has become increasingly blurred and the combination has become closer and closer.
In the traditional banking retail and credit business, in the fields of rural revitalization and inclusive finance supported by banking financial institutions, and in the scene finance where the banking industry is gradually exerting its strength, the digital transformation of banks is gradually realizing the transformation and empowerment of achievements. At the same time, banks can make full use of digital technology spillover to improve internal operation efficiency and risk management ability, thus reducing the risk-taking level of commercial banks and converging the risks of banking system.
Digital development is also reflected in map technology. From the traditional paper map to the digital map, from the simple guiding function to providing reference for all aspects of daily life, such as traveling and visiting ... With the continuous progress of science and technology, digital map technology has brought brand-new possibilities for the presentation and application of maps.
So, what new stories will happen when banking meets digital map technology?
Taking Gaode Map as an example, as a domestic digital map content, navigation and location service solution provider, at present, Gaode Map has formed a spatio-temporal big data service system with unique value in the industry based on rich map ecology. Under the wave of digital transformation in the financial industry, Gaode Map, which intends to apply technology to practice and empower economic and social development, has accumulated deep in basic capabilities, products and services, and scenario schemes based on years of experience, forming a supporting capability for various business scenarios of corporate credit for financial institutions.
Specifically, Gaode Map provides a space-time big data base for the financial industry, and assists financial institutions to form an internal map middle platform by mirroring the basic capabilities of Gaode Map on the premise of ensuring data security, supporting the digital transformation of various businesses; At the same time, the ecological scene based on Gaode map has formed a spatio-temporal big data service, which can provide valuable information reference for commercial banks in the hot business scenarios of corporate credit such as consumer finance, inclusive finance and rural revitalization.
Recently, a seminar with the theme of empowering the digital transformation of commercial banks with big data in time and space showed you a new way for map service companies to empower the digital transformation of banks based on data capabilities.
Bankers attending the meeting believe that empowering digital transformation and business development of banks with digital map technology and data capabilities is promising in the field of rural revitalization. "At this stage, although there are many rural commercial banks that have been established for a long time in China, their business development capabilities are limited. Moreover, with the rapid development of big data technology, the way that rural commercial banks rely on manpower to expand their business in the past has been greatly impacted, which is not only high in cost, but also no longer has operational and competitive advantages. At the same time, rural commercial banks are also facing the competitive pressure of large banks to sink their service centers. Therefore, it is urgent to rely on local actual conditions to carry out digital transformation and upgrading, and use time and space big data to improve the quality and efficiency of business services. " An industry insider of a rural commercial bank said.
When smaller banks do not have the financial and technical ability to independently develop the "hardware equipment" needed for digital transformation and development, it is the best choice to rely on professional third parties to carry out characteristic transformation of standardized products. "In recent years, we have continued to increase investment in science and technology, but compared with large banks, our strength is still weak. In the process of development, we also realized that professional things should be left to professional people, which will not only reduce our R&D costs, but also match technology with our business more quickly, and combine technology and finance more perfectly to better serve the people's livelihood and economic development. " The above-mentioned rural commercial bank industry insiders said.
