“Internet banking” really came! Tencent micro banks takes off
On December 28, the first Internet bank-micro-banks of qianhai in Shenzhen official website officially launched, this is the micro-banks on July 23 after the CBRC raised, fast and one big event, which is micro-banks in the industry lead in using cloud services Tencent, a bold attempt to quickly drive Internet business.
User behavior into micro-banks to embrace cloud computing
Micro banks located through mobile Internet, provides financial services for individual consumers and small business. The preparation time is short, business online fast, excellent needed fast to build reliable IT platform, since the start of preparations for the close cooperation with Tencent cloud. Tencent, at this year’s worldwide Partner Conference, micro-banks Ma Zhitao, Chief Information Officer, has said that “over a period of time in the sea before in preparation for micro-banks, our cooperation with Tencent clouds do very thorough.”
Fundamental reason lies in micro-banks embrace cloud services, end-user behavior changes. According to Ma Zhitao, a public speech data, the Bank’s rapid growth in mobile subscribers in 2011, the number of users of mobile banking is 32 million by 2013, this number has surpassed the 200 million users, by the year 2017, the number of users of mobile Bank will be close to 500 million, penetration will nearly 1/3,1/3 of the Chinese population will use mobile banking services.
In the next few years, user challenges of behavior change will gradually appear. Banks could face hundreds of millions of end users, as the scale of users soar, frequency increased user demand for experience and so on, banking back office will be under great pressure of high reliability, Bank operation and maintenance costs will be further improved.
Tencent, ROE continued low clouds to enhance IT competitiveness
In accordance with traditional practice, in order to respond to increasing business complexity, banks will continue to increase investment in servers, buying more sophisticated equipment. But this practices in guarantees background high reliability of while, cost problem with of produced, according to Ma Zhitao previously in public occasions speech Shi of a items estimates, if still take traditional way not do change, to 2020, Bank of ROE (net worth proceeds rate) may will from today of 19% reduced to 5%, if can from business mode and cost above made some adjustment words, has may will maintained in 10%~12%, this is a market General level.
If the use of cloud services, this crisis will be greatly alleviated, as the Bank’s main operational costs of operation and maintenance costs of the IT architecture can be significantly reduced. According to incomplete statistics, small bank account IT costs 100 Yuan, 20-30 Yuan for each account IT costs large banks. Micro-banks cooperation with Tencent will be greatly reduced account IT costs. Tencent company Deputy President, and Tencent cloud head Qiu Yuepeng in this year of Tencent global cooperation partners Assembly Shang talked about, Qian sea micro all Bank in Tencent cloud of based Shang, using mass service distributed of schema, will cost declined 80%, only needs small Bank of 5% of burden user cost, on can service good Bank of user, let Bank IT of competitiveness get very big of upgrade, both future of cooperation target is, will micro all bank each account of IT cost dropped 1 Yuan.
Cloud services into the universal banking changes expected
In the long run, in response to the massive, highly concurrent mobile Internet business, whether it is Internet-based micro-banks and conventional banks, are needed with a highly scalable, high standards of operation and low cost of cloud services. Based on this trend, the market needs a professional financial cloud services platform. This platform should be based on the Internet technology, with a highly scalable, highly reliable, and cost advantages of a cloud platform. Tencent is committed to providing this service, and recently launched financial solutions, it’s Tencent cloud following the game, after the video, the mobile application industry solutions, and launched a heavyweight industry solutions.
It is understood that the future micro-banks will be leveraging the company’s mobile Internet ecosystem, especially with hundreds of millions of QQ, micro-level large user base and other resources, continue to introduce innovative products and services, these new products will be covered, “drink” in all aspects of life. Industry comment, based on massive social data to provide users with accurate and timely service is micro-banks core business applications. It can be predicted that future Tencent, Tencent would transform the massive social data, for micro-banks provide a high level of data service, this service will apply to the bank credit system and personalized products, customized services, providing end users with the perfect Internet financial services.