Scheme background

Big data is the product of the development of information technology and internet industry at a specific stage. As for the financial industry with natural data attributes, big data can provide sufficient information support for the operation and management of financial institutions; moreover, the new financial forms generated from big data has brought severe challenges to traditional financial institutions. The financial industry big data platform integrates the management philosophy, analysis model, methodology and technical tools, which can provide accurate, timely and comprehensive business intelligence support for business operation and risk management by collecting and deeply mining the internal and external relevant data and information of the bank.

Scheme content

Most traditional data applications in commercial banks are introverted and focus more on the provision of management information, which is driven by the requirements of regulatory authorities and internal management. However, with the development of new businesses, commercial banks are required to expand the use scope of data and invest more resources in clients, so as to have an insight into clients, understand the demands of clients, and response to client demand rapidly. The data is used to drive the business transformation and continuous improvement of client experience, shifting from the view of finding data of the problems for validation to predicting the likely requirements with data. The financial industry big data platform integrates the management philosophy, analysis model, methodology and technical tools, which can provide accurate, timely and comprehensive business intelligence support for business operation and risk management by collecting and deeply mining the internal and external relevant data and information of the bank.

Most important characteristics of the banking big data platform solution: the hybrid architecture design with multiple technical routes and various coexisting technical platforms is applied to satisfy the construction of both traditional data warehouse and the platform under the big data environment; the deployment platform is flexible, including cloud, local, or mixed mode; components can be flexibly extended and deployed as required.

Scheme value

The banking big data platform solution will bring following values to banks: 1. Assist in client mining and the expansion of client base, so as to solve the problem of client acquisition; 2. Improve the client experience, shape all different client portraits, and customize the client service; change the marketing model and achieve the accurate marketing, to think what the client wants and desires urgently based on client portrait; 3. Perfect the credit risk evaluation system, improve the accuracy and timeliness of risk measurement, and build a new risk control model and system under the internet mode; 4. Dynamically monitor risks and accurately identify suspicious and fraudulent transactions; 5. Optimize the process integration and promote the product innovation.