A Study On The Business Transition Of Bank A From The Perspective Of Financial Science And Technology

Under the background of the continuous integration of Finance and technology,more and more scientific and technological means have been applied in the field of banking.Financial technology,such as Internet,cloud computing,artificial intelligence,big data analysis,block chain and other technologies,has been applied to all aspects of banking operation.Many new operating technologies have been derived,such as big data mining,big data portrait,intelligent accurate customer acquisition,intelligent collection,intelligent voice customer service,etc.,which have a significant impact on the entire banking market.Looking ahead to the future of the industry,banks are no longer simply accumulating customers and selling financial products.With the involvement of financial technology,what banks may do in the future is business data.The core is to achieve the goal of cross-selling by enhancing user experience and customer stickiness.The core competitiveness of banks in the future also depends on the data management ability,which bank has the ability to mine the real needs of customers from a large number of data and provide convenient and high-quality services;which bank can stand out in the fierce competition by mining risk signals from a large number of data and taking early collection and asset preservation.This study takes financial science and technology as the research perspective.Firstly,it systematically combs the concept,related technology,theoretical basis and application mode of financial science and technology.Then,select Bank A as the object of case analysis.The research finds that as a national joint-stock bank,Bank A has many problems while its business continues to develop steadily.Financial science and technology not only brings challenges,but also opportunities.Based on the transformation thinking of the integration development of ABC and financial science and technology,this paper puts forward the system transformation countermeasures and Implementation Paths from the aspects of system construction,organization construction and service channel innovation.