On November 20, Jingdong digital technology group (hereinafter referred to as "Jingdong digital technology group") proposed to build an open financial technology operating system, work with financial institutions to promote the digitalization of the financial industry, and announced the latest progress of three solutions in the system: financial digitalization solution T1, credit card digitalization operation solution and intelligent asset management technology platform JT & sup2.
Xu Ling, vice president of JD digital, said that financial institutions and financial technology companies are a community of common destiny, and the cooperation between the two sides focuses on building an open financial technology operating system. "After several years of development, fintech entered the second half of the year. From the business field with strong online attributes to the business field with strong financial attributes and offline characteristics, the digitalization of financial institutions needs the help of technology companies.
Xu Ling proposed that an open financial science and technology operating system should meet three requirements: first, using digital capability output to help financial institutions in system architecture, product operation and risk The core business links such as management and scenario operation are digitalized in an all-round way to reduce costs and increase efficiency; the second is to provide bottom-level interconnected and interrelated digital service system for various participating institutions in the financial industry to improve the efficiency of inter agency collaboration and help the efficient operation of the financial market; the third is to help the deep integration of financial institutions and various entity industries to achieve scenario co construction, business co-existence and gold promotion Financial services for the quality and efficiency of the real economy.
Based on this operating system, JD digital has launched a series of financial industry solutions, including one-stop financial digital solution JDD T1, credit card digital operation solution and intelligent asset management technology platform JT & sup2;.
According to the introduction, JDD T1 is committed to providing financial institutions with overall digital solutions including IAAs, PAAS, DAAS and FAAS, including technology platform solutions for scientific and technological capacity building, data platform solutions, mobile development platform solutions and open platform solutions for open capacity building, etc.
The solution of credit card digital operation focuses on the demands of credit card industry in efficiency, scenario and liquidity, helps the bank improve the conversion efficiency of customers through accurate customer insight and risk management, maintains the continuous activity of customers through scenario operation and effectively improves the quality of assets, helps the bank activate credit assets efficiently, and makes business development no longer restricted by The capital limit maximizes the efficiency and scenario advantages. It is reported that the solution will shorten the issuance time of joint brand cards calculated in the past years to one month for access, two months for volume and three months for new.
Jingdong disclosed that at present, the credit card digital operation solution has served more than 30 banks, helping financial institutions improve their risk identification ability by 50%, the time limit for approval by 80%, and the approval manpower by 70%.
In addition, in the field of asset management, JT & sup2, an intelligent asset management technology platform, has been strategically cooperating with many institutions since it was launched 8 months ago, with nearly 200 service institutions and more than 1300 users, covering all aspects of transaction, investment, custody and research of banks, securities companies, funds, trusts and other financial institutions.