AI驅(qū)動金融創(chuàng)新

AI

Is

Driving

Financial

InnovationAI驅(qū)動金融創(chuàng)新Retail

banking

3.0開啟零售金融3.0模式From

cards

to

online

apps從卡片經(jīng)營、分層財富管理向App經(jīng)營轉(zhuǎn)型A

service

network

that

covers

all

products,all

channels,

and

all

customers打造“全產(chǎn)品、全渠道、全客群”服務(wù)體系Bestcustomer

experience創(chuàng)造最佳客戶體驗CMB:

Fintech

bank招商銀行—金融科技銀行CMBApp招商銀行AppCMBLifeApp掌上生活A(yù)pp兩大App用戶總數(shù)超過1.2億 月活超過6000萬Monthly

active

users

>

60mTotal

users

>

120mTwo

appsServices服務(wù)Customer

acquisition獲客Wealthmanagement理財銷售55%CMBApp手機銀行Consumer

finance消費金融49%CMBLifeApp掌上生活Online線上獲客

14%Debit

card借記卡Online線上獲客

60%Creditcard信用卡App

logs兩大APP日志數(shù)據(jù)Tracing

points:

30,000埋點：3萬個Logfiles:1bn/day日志：10億條/日Smartpersonalizedrecommendations智能個性化推薦Total

ad

spots:

200兩APP露出：200個欄位Promotions:3,000/month營銷活動：3000次/月Recommendations:300m/day每日推薦：3億次Marketing營銷Customeracquisition獲客Services服務(wù)Operations運營Data-driven數(shù)據(jù)驅(qū)動Fintech

game-changer,

Becoming

a

leading

digital

bank金融科技變革者,打造領(lǐng)先的數(shù)字化銀行Imagerecognition圖像識別Facial

recognition人臉核身Natural

languageprocessing自然語言處理Intelligentcustomer

services智能客服Machine

learning機器學(xué)習(xí)Anti-fraud

system反欺詐Blockchain區(qū)塊鏈Distributed

ledger分布式賬本Valuenetwork價值網(wǎng)絡(luò)Big

data

applications大數(shù)據(jù)應(yīng)用Creditrisks信用風(fēng)險Precision

marketing精準(zhǔn)營銷Big

data

analytics大數(shù)據(jù)分析AI

applications人工智能應(yīng)用Natural

languageprocessing自然語言處理

Cognitive

computing認知計算Computer

vision計算機視覺Cloud

computing云計算Big

data大數(shù)據(jù)AI人工智能AI:The

new

fintech

battlegroundAI-金融科技創(chuàng)新的競技場Experiments

&

experience

with

AI招行的AI探索與實踐Image

recognition圖像識別Facereading

wealth

predictor人臉識別測算財富Account

ID

checksat

VTMVTM開戶驗身OCRtext

scanner文本檢測Anniversary

promotion:ARscansCMBlogo

for

prize行慶AR掃LOGO活動Facial

attribute

recognition

system人臉屬性識別系統(tǒng)Machine

learning機器學(xué)習(xí)Proactiveprecisionmarketing主動精準(zhǔn)營銷MachineGene

Investment摩羯智投Anti-fraud

platform反欺詐平臺Financial

forecasting&

planning金融預(yù)測規(guī)劃risk

control實時風(fēng)控Real-time

Risk

controlmodel風(fēng)控模型tagging客戶標(biāo)簽Customer

Relationshipgraph關(guān)系圖譜How

much

is

my

bill

for

this

month?我本月賬單多少呢？CNY30,000.您4月份賬單金額為30000元人民幣。That’s

a

lot!

I’ve

got

to

tighten

my

belt.賬單好高，要吃土You

can

pay

in

installments.

Over

12

months,

you

only

need

to

pay

CNY2,698

a

month.小招推薦您辦理賬單分期，12期每期僅需還款

2698元哦。How

about

24

installments?

24期呢？CNY1,454

each

month.分期24期每月僅需還1454元。That’s

nice!這個不錯Shall

I

set

it

up

for

you

now?你需要辦理嗎？小招可以直接幫您辦理哦。Dear

Tom,

Good

Afternoon!

Your

payment

is

due

tomorrow.

Please

remember

to

pay!先生下午好！明天是您的最后還款日，請記得還款哦。Intelligent

Q&A智能問答Clear

understanding:

Customer

name,

time,intentions精準(zhǔn)理解：客戶、時間、意圖，理解入微。Multi-turninteractions:Human-like

service

experience多輪互動：提供類人工的極致服務(wù)體驗Online

completion:Efficient

services在線辦理：打造服務(wù)閉環(huán)、提升服務(wù)效率Natural

language

processing自然語言處理News

tagPositive/情感正負面Newsdeduplicationnegative

emotions新聞去重News新聞標(biāo)簽summary新聞?wù)猅ext

classification文本分類Court

judgment

analysis法院判決文書解析Textmining文本挖掘Tenderandbid

invitationnoticeanalysis招中標(biāo)公告解析Knowledge

graph知識圖譜Company

relationship

graph企業(yè)關(guān)系圖譜Retailrelationshipgraph智網(wǎng)-零售關(guān)系圖譜Private

equity

knowledge

graph私募知識圖譜Databases:

A

key

driver

for

AI數(shù)據(jù)庫成為AI的重要驅(qū)動力Services服務(wù)Video/image

recognition視頻/圖像識別Payments支付Insurance保險Wealth

management財富管理Risk

control風(fēng)控

Marketing營銷

Processmanagement流程管理

Operations

management運營管理Lending借貸Real-timeanalysis實時分析Predictive

analysis預(yù)測分析Machinelearning

機器學(xué)習(xí)Deep

learning

深度學(xué)習(xí)Natural

language

processing&

speechrecognition自然語言處理與識別Virtual

assistants/robots虛擬助手/機器人Roboticprocessautomation機器人自動化處理（RPA）Integration融入Change改變Disruption顛覆Exploration探索Practice實踐Big

data

大數(shù)據(jù)Databases數(shù)據(jù)庫AI人工智能AI

raises

higher

requirements

for

data

processingAI時代面臨數(shù)據(jù)處理的更高要求Opensource

relationaldatabases:Obviousweaknesses開源關(guān)系數(shù)據(jù)庫存在明顯不足New

technologies

(e.g.,

NoSQL):Limited

functionalityNoSQL等新型數(shù)據(jù)庫存在局限High

scalabilityHigh

performanceHigh

availabilityCloud

architectureEasy

O&MDev-friendlyCMB

is

exploring

better

databases招行在探索更好的數(shù)據(jù)庫產(chǎn)品Apr

2018Integratedpaymentssystem綜合支付交易系統(tǒng)April

2018Jun

2018Jointinnovationlab聯(lián)創(chuàng)實驗室成立Nov

2017Jun

2018Real-time

credit

card

system(loan

marketing)信用卡重資產(chǎn)營銷實時展示系統(tǒng)Oct

2018Dec

2018CMB

and

Huawei

launched

a

joint

innovation

lab

for

distributed

databases招行華為攜手成立分布式數(shù)據(jù)庫聯(lián)合創(chuàng)新實驗室GaussDB

100Huawei:Leading

R&D

experienceHuawei:

Committed

to

developing

leadingdatabasesCMB:

jCutting-edge

use

casesCMB:

Long

experience

in

databaseoperationsEnterprise-class

database

kernel

with

outstanding

performance卓越的高性能企業(yè)級DB內(nèi)核Superior

performance

&

enterprise-class

stabilityunder

complex

workloads滿足各種復(fù)雜企業(yè)負載，保持卓越性能和企業(yè)級穩(wěn)定性Ultra-distributed,

ultra-scalable極致的分布式高擴展Linear

scalability,supportingsustainedfintechinnovation性能隨資源線性擴展，支撐Fintech金融科技持續(xù)創(chuàng)新Bank-grade,

distributed,

high-availability金融級分布式高可用Distributed

active-active