Research On Application Of Direct Bank Based On Emerging IT Technology

With the continuous development of Internet technology,the constant upgrading of the use of client terminals,the Internet has a profound impact on our daily lives.All walks of life also gradually enhance the awareness of the existing market operations,customer groups,product services and other business models.Environmental technology develop-ment and policy based on the current "Internet + bank" that direct bank needs the help of modern Internet information technology,emerging technology through cloud computing,big data and other modeling analysis,provide a convenient investment for customers,de-posit and other new products and services.According to the question analysis of the problem-to solve the problem of the tradi-tional way,around how the development of Internet technology,big data analysis and ap-plication of cloud computing technology of IT to direct the bank to analyzes the IT in di-rect bank application scenarios.The research content first,starting from the foreign direct bank business development mode and successful experience,analyzes the foreign direct bank through three stages of development,comparing the development of domestic and foreign direct bank;secondly introduces the basic concepts of the Internet,big data,cloud computing and other IT technology and the common methods.Put forward the innovation and development,how to apply the IT technology theory to direct the bank’s risk control model,customer relationship management;finally,the Internet direct banking natural gene product positioning and marketing development provides a good opportunity.As long as perfecting the supervision system,continuous IT technology will be applied to direct bank aspects,to improve the accuracy of security,data analysis and direct bank,will promote the further development of direct bank.Today,with the rapid development of information technology,all aspects of the technology in the application of direct banking will encoun-ter various problems and challenges.Biometric technology,artificial intelligence technolo-gy will be applied to direct banking.