Rongyun: let the bank go to the "cloud" easily

Interpretation of fintech policy

2021 year 12 month 31 Japan , Printed and distributed by the people's Bank of China 《 Financial science and technology development plan （ 2022-2025 year ）》（ hereinafter referred to as 《 planning 》）, Put forward guiding opinions on the development of financial science and technology in the new era , To clarify the development vision of fintech is ： Strive to 2025 year , The overall level and core competitiveness have been improved by leaps and bounds .

And put forward eight key tasks , These include ： Strengthen financial technology governance , Comprehensively shaping digital capabilities ; Build a green and highly available data center ; Deepen the application of digital technology in finance ; Accelerate the all-round application of regulatory Technology , Strengthen the construction of digital supervision capacity ; We should train financial and scientific talents in a down-to-earth manner , Continue to promote the construction of standard rule system etc. .

This is the second round of financial technology development plan prepared by the central bank .2019 year 8 month , The central bank announced the first round of financial technology development plan ——《 Financial technology （ FinTech ） development planning （ 2019—2021 year ）》, Six key tasks have been identified ： First, strengthen the strategic deployment of financial science and technology ; Second, strengthen the rational application of financial technology ; Third, empowering financial services to improve quality and efficiency ; Fourth, we will enhance our ability to guard against financial risks ; Fifth, strengthen financial technology supervision ; Sixth, consolidate the foundation support of financial science and technology .

The main development objectives of the first round of planning are “ Columns and beams ”, To 2021 Establish and improve the scientific and technological development of China  “ Four beams and eight columns ”, Further enhance the application ability of science and technology in financial industry , Realize the deep integration of Finance and science and technology 、 The coordinated development .

by comparison , This round 《 planning 》 Focus on solving the problems of unbalanced and insufficient development of financial science and technology , We will promote a sound governance system for financial technology , Improve the digital infrastructure , Promote the deeper integration of Finance and technology 、 More sustainable development , Better meet the new requirements of the digital economy era 、 new task , Promote China's financial science and technology from “ Columns and beams ” Step in all directions “ Build up the potential ” New stage .

It can be seen that , This round 《 planning 》 Key points from “ Give full play to the enabling role of financial technology ” towards “ Financial digital transformation ” Stride forward . actually , China's financial technology is on the road of digital construction , Never stop exploring , From local digitalization to whole process digitalization , Continue to create new history . But at the same time, there are many challenges , Under the digital tide, the application of intelligent technology is becoming increasingly prominent , The development of financial technology has also brought new challenges to financial consumer protection .

So , The CBRC has issued a number of measures , Record audio and video in the sales process 、 The traceability of sales behavior and other operation scenarios put forward specific regulatory requirements .

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Analysis of the current situation of the banking industry

Since the outbreak of novel coronavirus pneumonia , Contactless service has become the focus of many financial technology enterprises and institutions “ required course ”, For Banks , Online services and operations are increasingly valued , In particular, remote banking is developing continuously . Mainly reflected in the data-driven intelligence 、 Scenario based platform support , The role of digital transformation of retail banks is also increasingly apparent . in fact , The development of remote banking has deduced a new business form , Open the “ A new era of non-contact financial services ”, The value of connotation service has been continuously improved , The extension service boundary continues to expand .

But as the core of bank digital construction “ data ”, But most of them are in a state of deep sleep , Multi dimensional data cannot be aggregated , Structured goals are difficult to achieve , Data island problems occur frequently . In this case , The architecture design of the middle stage is particularly important and urgent .

Facing the new digital demand of front-end business departments , Many banks are constrained by traditional technological capabilities , It's hard to respond quickly 、 Continuous iteration , There is often a disconnect between digital construction and demand .

in addition , Traditionally, the customer manager is the center , Limited to offline outlets, the way to expand customers gradually shows insufficient effectiveness 、 The drawback of limited customer coverage .

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The current pain points of the banking industry

Rongyun has been deeply cultivated in the financial industry for many years , With years of experience in serving the banking industry , We believe that most of the banks are facing the following problems ：

In terms of customers ： Private domain traffic is limited 、 It's hard to get a guest 、 Promotion is difficult and the conversion rate of customers is low .

Zhongtai ： Insufficient communication platform infrastructure 、 The remote banking system is missing ; There are many traditional business systems , There is no unified standard ; Enterprise architecture planning is chaotic , The problem of data island is serious .

Technical aspects ： There are many types of front-end business scenarios , However, R & D is slow to respond to business needs .

Business management ： Online handling mode is missing , The convenience of offline handling is insufficient , Poor customer experience .

Compliance ： Risk tips and records are important requirements , The bank's existing business system cannot meet the compliance requirements under the new situation .

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Rongyun financial industry solutions

Based on the above financial policies 、 Current situation, demand and trend of banking industry , From the cloud “ Help the development of the industry , Deeply empowering industry customers ” Starting from the development concept of , In particular, we will launch solutions that are more suitable for the digital construction of the financial industry , It can meet the bank's innovative business handling mode 、 Expand customer coverage 、 Improve user experience and meet regulatory compliance and other requirements .

Rongyun is a leading global Internet communication cloud service provider , be based on IM Instant messaging capabilities 、 RTC Real time audio and video capabilities and video dual recording -Demo Ability , Fully enable the digital upgrading of the banking industry , Cover the video face-to-face signature 、 Online finance 、 Financial loans 、 Insurance double recording and other scenarios .

chart ： Online business hall scenario application system

The overall architecture of the scenario application system of the online business hall is divided into 3 layer , Include ： The bank's customer facing C End entry 、 The bank's internal operation platform and the bank's internal employees B End application .

“ Online business hall ” It looks like a shop , The main force supporting digital operation is a steady stream of new traffic . So at the flow inlet , Rongyun not only provides capability support for customers' existing ecosystems , Also for their micro enterprises 、 Supported by third-party scene platforms such as e-commerce and smart city , Help banks get more traffic , Help banks upgrade their existing business capabilities to a higher level .

After massive traffic is introduced , stay “ Online business hall ” Handle all kinds of business . So , Rongyun provides core technical capabilities for the online business hall platform ： be based on RTC Audio and video capabilities and IM The audio and video communication medium platform built by the scene application component encapsulated by instant messaging capability , Provide components required for business processing and support component expansion capability , It mainly includes fusion double recording 、 Intelligent scheduling 、 Process policy engine 、 Security encryption 、 Session monitoring, quality inspection, etc .

in addition , And support third parties AI Capability compatibility , Help customers establish communication channels and interaction capabilities . Based on the above capabilities , Combine with process engine to provide fast and friendly support for front-end business response , Meet the dynamic requirements of front-end business .

Virtual background

Set different backgrounds for each seat , Save a lot of money for customers in physical decoration ; Especially for enterprises with multiple legal persons and institutions , Can bring great convenience .

Fusion double recording

Dual recording component based on pure audio and audio and video , Combined with watermark 、 Whiteboard 、 Screen sharing 、 The basic ability to integrate multiple interactive components such as file sharing , It is suitable for a variety of business scenarios .

Intelligent scheduling

According to the user level 、 Business requirements and other routing rule engines allocate seats . The business requirements include the idle time of the agent 、 Seat level 、 Seating skills 、 Incoming call scene 、 The branch to which the seat belongs 、 Cut in line .

Process policy engine

The process engine sets various technical capabilities by dragging , Be able to quickly respond to business changes , Help the business go online quickly , Greatly improve the speed of employees , Reduce the burden of employee training .

Security encryption

For the demand of high data security in the financial industry , For data transmission 、 End to end encryption of storage , Support national secret algorithm .

Session monitoring quality inspection

Conduct document quality inspection for each double recording , Real time early warning , Comprehensively improve data quality .

Up to now , The online business hall can basically support high cabinets 、 Low counter and mobile trading scenarios . however , The implementation of any new trading scenario needs the support of new technologies . Rongyun is based on strong underlying technology capabilities , Ensure smooth and stable operation of the whole business process .

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Remote banking business flow chart

Identity Authentication

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Call queuing

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information acquisition

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Business management

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Electronic signature

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Service evaluation

In addition to this , Rongyun provides public services There are clouds. 、 Private cloud 、 A hybrid cloud And so on , Support colony 、 High availability 、 Three centers in two places Deploy . Private cloud deployment enables the overall online business hall platform to be fully deployed on the intranet ; Hybrid cloud deployment can realize audio and video cloud deployment , Localized deployment of other capabilities .

In terms of security , Rongyun supports Adapt to the management of internal and external hierarchical network architecture , Support the financial industry to control the flow of data and information 、 Auditable requirements , Different services on the intranet and Internet perform their respective duties , The docking service and media gateway can be placed in the data buffer area , Resist external threats and directly invade the intranet core , Prevent internal information leakage , Isolate and protect core data , Meet the strict network security requirements of Finance .

in addition , Rongyun products have Fully adapt to localization CPU 、 operating system 、 Database and middleware etc. , And set up a special adaptation team , Including server R & D 、PC End R & D and DevOps The deployment and implementation of personnel , Committed to improving the localization process of domestic security communication 、 Standards and application construction .

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Value of financial industry solutions

Deployment of financial industry solutions through rongyun , It will help banks achieve the following four effects ：

​ Achieve efficient customer acquisition . Help banks increase the breadth of customer traffic , Improve customer conversion .

Enhance the customer experience .​ Improve the timeliness and quality of banking business processing , To meet the needs of customers who do business at home , Greatly improve the customer experience , Improve bank brand and customer stickiness .

Meet regulatory compliance and safety requirements . Financial double recording function , Secure data , Meet the needs of financial supervision and compliance , At the same time, it also ensures the traceability of financial business .

Meet the bank's low cost 、 High efficiency requires . Relying on the high-quality code and operation logic of rongyun , Ensure high performance of all services provided 、 Low hardware resource occupancy , Fully meet customers' requirements for low cost 、 The requirement of high efficiency .

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Conclusion

future , Rongyun will actively promote the improvement of domestic financial digital infrastructure , Deeply participate in the digitalization of the financial field , Continue to provide technical support for the digital transformation of the financial industry .