Zhang Lei: e-banking development of three big trends

On December 18, jointly organised by Xinhua and the Chinese Academy of Sciences, the Internet magazine of the 2014 annual meeting of the China Internet economy Finance Forum held in JW Marriott Hotel Beijing. From the Internet financial sector trade associations, well-known experts and entrepreneurs focused on Internet financial opportunities and challenges, the development of new models, inclusive financial, makes a deep analysis and research.

Ping an Bank’s retail network Chief Product Architect, Finance Division, Zhang “the innovation and practice of e-banking,” keynote address, he said, in 2014, the e-banking development of three major trends:

First, the customers tend to be younger, 80 after, 90 after can be seen slowly becomes the principal, channel capacity such as traditional channels still have a certain status, but far more attention than before upgrading to new channels. Spending habits, including full and impulsive consumption, and pay more attention to points and benefits. Safety system before there are points, promotion of brands and services, users will care about. Financial product changes, including the current packaging of micro-insurance, include risks such activities can take place. Second, we feel the line of financial services and community development, we as the community banking license issuance, more and more communities into the community and network, we also did some practice and try it out. Third, people in Internet companies have “big data” concept, but we think the banking system more competitive, as banks are more aware of their own customer base, not just the user behavior, as well as transaction and accurate user behaviour.