With the rapid development and extensive application of information technologies such as the Internet of Things, big data, cloud computing, artificial intelligence, and blockchain, financial technology has brought new challenges and opportunities to the banking industry, and banks have strategically deployed financial technology in recent years to accelerate the digital transformation of retail banks. In the development direction of mobile finance, through enterprise mobile banking, it can provide enterprises with efficient and safe financial and capital management services, thereby leveraging corporate financing, loans, and diverting traffic for retail business.
The demand for public services is strong, and three major problems need to be solved urgently
With the rapid development of the mobile Internet, corporate mobile banking has become an important tool for banks to provide mobile financial services for enterprises. With the annual growth of banks' corporate customers and the diversification of customer structures, the demand for mobile services for corporate customers is becoming more and more urgent. At present, the common feature of the development of enterprise mobile banking lies in the comprehensive functions, deepening functions and localized scenarios, and the development trend is good, but there are also core pain points such as imperfect mobile banking functions, single resource services, inefficient treasury management, inconvenient use, and low security.
1. The operational shortcomings are prominent, and the core functions are not perfect. After the bank builds the APP, the head office level issues operation indicators to the branches, the offline branches promote the migration of old customers to online, the lack of standardized online operations, the "hard push" method can not make users sticky, and the user stays in the mobile banking APP for a short time.
2. Products are easier to be imitated, and homogenization is serious. After a bank launches a competitive product on the APP, due to the openness and transparency of information, it is easier for other banks to imitate and quickly launch upgraded versions and services. It is easier for consumers to obtain product information of different banks for comparison, and choose the most affordable and convenient bank, which further forces banks to continuously upgrade APP functions and products, forming competitive barriers.
3. It is inconvenient to use, and high-frequency scenes are missing. There is a lag in the use of enterprise mobile banking scenarios, the function construction is not perfect, and the main scenarios and industrial chain layout are lacking, and it is difficult to form an efficient customer acquisition, live customer, retention, and closed loop.
Lingyan Technology Enterprise Mobile Banking Solution: Aggregation and innovation to provide one-stop comprehensive financial services for corporate companies
It adopts multiple financial security technologies to build an intelligent risk control system, and provides multiple services for enterprises, employees and individual customers of enterprises through the dual mechanism of B2B2C and B2B+C. With the support of highlight products and special functions, it provides banks with new channels for expanding and acquiring customers. Through cross-product, cross-bank, cross-industry and other multi-system and multi-platform docking and cooperation coordination, scenario banks integrate finance + non-finance, and provide enterprise customers with integrated resource services such as internal operation management and external business development.
function
1. Through enterprise mobile banking, you can handle account opening, transfer, enterprise reconciliation, account inquiry, electronic receipt inquiry, wealth management, payment, loan and other corporate services;
2. Break the traditional concept of "bank financial products serve the Bank's corporate customers", and widely aggregate pan-financial management services such as personnel management, invoice management, entrepreneurial support, brand promotion, corporate business cards, and financial hot information
3. Support to quickly check deposit and loan interest rates, foreign exchange rates, convenient use of joint bank number query, deposit and loan exchange calculator and other practical tools;
4. In addition to meeting the needs of daily mobile office, it is simpler, more efficient and smarter, and improves the company's financial management efficiency.
System advantages
1. Use multiple financial security technologies to build an intelligent risk control system, with perfect anti-fraud, anti-money laundering, real-time monitoring of transactions, intelligent comprehensive assessment, real-time warning and positioning of transaction risks and other risk control methods.
2. Support enterprises to "key-free" mobile payment, enterprise payment, sunshine financial management, sunshine loan and other fast payment operations.
3. Adopt mature biometric technology, provide face recognition, fingerprint recognition, gesture recognition multiple ways, and accurately identify user identity through multiple channels.
4. Support joint login with personal mobile banking, and establish a more open and inclusive "B+C" new ecology on the mobile platform by opening up the public/private user system, so as to effectively improve the ability to serve corporate customers and individual customers.
A successful case of a joint-stock bank: "building a trinity" enterprise mobile banking with a mobile development platform
In view of the bank's needs for corporate customers and the situation of the industry, Lingyan Technology carries out unified planning, integration and design, builds the bank's mobile terminal application foundation, provides a technical platform for the upper-layer business system, and provides an important functional architecture for the development of mobile applications. Through channel construction and service improvement, it helps the bank to develop its corporate business in an all-round way.
User-side design: including user role design, functional panoramic design and innovative function selection. Achieve the mobile terminal of enterprise online banking, meet the needs of more than 90% of corporate online banking customers, including traditional financial service functions, mobile terminal of online banking functions, supply chain financial scenario-based services and "sunshine brand" mobile terminal services.
The first stage: realize the basic functions, including enterprise account information query, transaction details query, intra-bank transfer, off-bank payment, transaction review, corporate finance, bank-enterprise reconciliation, online pre-opening, business management, special functions (sky eye check, invoice cloud, etc.), enterprise aperture, intelligent customer service, background management and other functions.
The second stage: Realize rich and perfect functions and add special functions, including cash management, foreign exchange trading, payroll, online financing, electronic bills, office management, etc.
Three major improvements:
1. Effectively improve open service capabilities
Through the reasonable layout of product functions, effectively improve the basic service capabilities of the channel, expand the application scenarios of the product, enhance the effective coordination of the bank's existing public channels, increase customer traffic, enhance customer activity, and realize the open service of corporate finance "going global". Realize the development of transformation from channels to platforms and from platforms to ecosystems, build a financial service ecosystem, and conform to the development trend of open banking and transaction banking.
2. Effectively improve data analysis capabilities
Through the overall planning of the product architecture, the use of the Internet, cloud computing, big data and artificial intelligence and other technologies to form data collection and analysis capabilities, build the process of analysis and extraction of data, form extensive data connections through an open platform, further build a self-evolving ecosystem, reflect the advantages of digital finance, and better realize the value of banks.
3. Create enterprise mobile financial famous products
Through in-depth research on the product market, we can improve the mobile financial office experience of corporate customers, meet the dual experience of financial and humanization, and make customer experience become the core competitiveness. At the same time, through the refined operation of products, we will create IP famous products with traffic and connotation.
Four advantages:
1. Hybrid development
It adopts a hybrid development model, the native part is developed in a sub-platform manner, and the three versions of Windows Phone, Android and iOS development libraries are provided externally
2. Safe and reliable
Implement complete security mechanisms, including but not limited to data communication channel security guarantees, communication data encryption, Android client decompilation precautions, etc
3. Reduce costs and increase efficiency
Provide a complete technical framework with a large number of reusable components and functions, as well as related auxiliary tools to effectively improve work efficiency and reduce mobile application development costs
4. Unified specifications
Unified development specifications, using common JS frameworks, business templates, unified test development tools and code specifications, greatly improving code quality and ease of development
Practical functional value:
1. Security guarantee: Multiple financial security technologies build an intelligent risk control system
Enterprise mobile banking adopts multiple financial security technologies to build an intelligent risk control system, with complete anti-fraud, anti-money laundering, real-time transaction monitoring, intelligent comprehensive assessment, real-time warning and positioning of transaction risks and other risk control methods, to achieve a complete security mechanism.
2. High efficiency and unified development specifications
500+ reusable financial business components and front-end components, effectively improving work efficiency and reducing the development cost of mobile applications; Unified test development tools and code specifications greatly improve code quality and ease of development.
3. Create a new ecosystem: federated login
Support joint login with personal mobile banking, and establish a more open and inclusive "B+C" new ecology on the mobile platform by opening up the public/private user system, thereby effectively improving the ability to serve corporate and individual customers.
Lingyan Technology's "3+1" characteristics build a digital transaction ecology to help upgrade financial services
By building a comprehensive service open platform integrating integrated services, comprehensive services and ecological services, Lingyan Technology has created a "3+1" characteristic user system, covering account customers, registered users, tourist users and industry users in an all-round way, focusing on "integration", "integration" and "ecology" to achieve a comprehensive upgrade of bank-to-business digital financial services; Through the dual mechanism of B2B2C and B2B+C, it provides multiple services for enterprises, employees and individual customers of enterprises, and provides banks with new channels for expanding and acquiring customers with the support of highlight products and special functions; Through cross-product, cross-bank, cross-industry and other multi-system and multi-platform docking and cooperation coordination, scene banks integrate finance + non-finance, and provide enterprise customers with integrated resource services such as internal operation management and external business development; Through corporate mobile banking, account opening, transfer, corporate reconciliation, account inquiry, electronic receipt inquiry, wealth management, bill payment, loan and other corporate services, it can meet the needs of mobile office and improve the company's financial management efficiency more simply, efficiently and intelligently.
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