Research On Digital Transformation Of FD Commercial Bank Customer Service

Since 2012,China’s interest rate market reform has accelerated,and its impact on the Chinese banking industry is far more complex and severe than the international peers.The marketization of interest rates is accompanied by a series of changes such as the slowdown of economic growth,the relaxation of banking access,and the internationalization of the renminbi.The Covid-19 has worsened the situation,making the living environment of Chinese commercial banks more severe.At the same time,the emerging Internet finance has further promoted the marketization of the financial industry.The ever-changing Internet financial products have significantly diverted household savings deposits,raised the cost of liabilities of banks,and competed fiercely with traditional banks in areas such as talent.Commercial banks have entered a new era of transformation,which puts forward urgent requirements for transformation and development.This article takes FD Bank as the research object,through the theories of big data,AI,digital transformation,service marketing,etc.,to analyze its digital development environment,the impact of interest rate liberalization,the new crown epidemic,the impact and impact of Internet giants,its own existence Problems and opportunities for development,the strategy for digital customer service is given;at the same time,the path and concept of digital transformation of FD Bank customer service are expounded,and finally the code of conduct and safeguard measures are proposed.Studying digital customer service based on big data and actively learning from foreign advanced experience will undoubtedly play a role in improving the customer service level of commercial banks in my country,and then help the transformation and development of various commercial banks in China.