Research On Network Transformation Of Commercial Banks Under The Background Of Big Data,Intelligence,Mobile Internet And Cloud Computing

With the rapid development of the digital economy,the market environment of the banking industry has undergone great changes,bringing both opportunities and challenges to commercial bank branches.With the impact of big data,intelligence,mobile Internet,and cloud computing technologies on commercial bank outlets,the transformation of bank outlets has encountered problems such as complicated business processes,single marketing methods,and inefficient service capabilities.How to realize bank outlets under the new situation? It is necessary to conduct in-depth research on the transformation of commercial bank branches under the background of "big intelligence and cloud".Taking S commercial bank as an example,this thesis uses case analysis method,questionnaire survey method and other analysis methods to analyze the impact of "big wisdom and cloud" on commercial banks.According to the situation of S commercial bank and the necessity of transformation and PEST analysis,Designing corresponding questionnaires and conducting online surveys,S Commercial Bank currently faces four major problems in its branch transformation,mainly focusing on issues such as insufficient marketing capabilities,poor equipment experience,inconvenient operations,and product homogeneity.S commercial bank must pay attention to and adopt corresponding optimization strategies: use big data to implement precision marketing,comprehensively strengthen artificial intelligence applications,vigorously develop mobile banking,create outlets and product characteristics,etc.In addition,in order to ensure the implementation of the above strategies,it is necessary to support corresponding safeguard measures,including innovating product systems,cultivating professional talents,and strengthening risk prevention and control capabilities.The research results of this thesis will provide guidance for the transformation and upgrading of S commercial bank outlets,and provide reference and reference for other similar banks.The follow-up study of this thesis will expand the research sample and jointly promote the healthy development of commercial bank outlets.