平安(02318.HK)陳心穎:未來五年投入2,000億人幣建立科研體系
平安(02318.HK)聯席CEO陳心穎在中國數字銀行論壇上指出,從2006年到2018年,全球銀行業股本回報率(ROE)增速從17.4%下降到9.5%,中國銀行業ROE增速從2012年的20.51%下降到2020年的10.04%,銀行業的綜合價值回報正在持續收窄。
她指出目前在運用金融科技轉型之路上,多數金融機構都面臨著「四大」關鍵要素的考驗:吸引、培養尖端科技人才;豐富的應用場景促進成果轉化;堅定不移、持之以恆的戰略投入;多源的數據基礎加領先的數據治理能力。她認為在數字化時代,客戶要求的是以客戶體驗為中心的全渠道、無縫式、定制化服務。
陳心穎指平安近10年累計投入1,000億元人民幣(下同),未來5年將投入2,000億元,建立集群化、矩陣化、原創化的科研體系。具體來看,平安已經建立領先的人臉識別、聲紋識別、語義分析等基礎感知能力;擁有完善的KYR(Know Your Risk)知識體系;可以實現運用AI協助服務斷點識別商機,帶動銷售增長;利用微表情測謊及反欺詐技術,實現純線上信貸審批,有效提升審批效率、降低信貸損失;智能語音機器人取代人工提供高質量客服服務;在數字化中台建設上,以Gamma O平台提供四大中台解決方案,協助各類機構降本增效,通過以上種種,平安集團用戶基礎不斷深化,客戶交叉銷售充分挖掘。陳心穎指出,運用科技,可以促進政府及監管部門、金融機構、企業之間打通「物流、資金流、信息流」,通過構建生態,最終實現以數字經濟生態服務實體經濟。(el/u) ~
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