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当前位置: 艾媒报告中心 > 新金融

金融科技的发展推动中国传统银行数字化转型。传统银行积极创新理财产品,在电子商务、跨境电商和移动支付方面布局,打造场景金融。艾媒北极星(bjx.iimedia.cn)监测数据显示,2018年10月中国工商银行和中国建设银行移动端用户规模均超5000万人,其中,中国工商银行个人手机应用移动端全网渗透率全网渗透率最高。此外,中国工商银行和中国建设银行在高收入用户规模上更具优势,利于后期发展。

The development of financial technology has promoted the digital transformation of traditional Chinese banks. Faced with some fierce challenges, traditional banks have made five major changes, including the digital ecological platforms, convenient service, Internet finance marketing activities, bank card business and private banking business. Using financial technology, traditional banks are deploying e-commerce, cross-border e-commerce and mobile payment, which creating a finance scene. According to the data of bjx.iimedia.cn, the mobile terminal users of Industrial and Commercial Bank of China and China Construction Bank exceeded 50 million in October 2018. Among them, ICBC's mobile phone application has the highest penetration rate. In addition, ICBC and China Construction Bank have advantages in the scale of high-income users, which is conducive to later development. In the future, traditional banks will further enhance their digital capabilities and apply artificial intelligence and other technologies in scenarios such as risk control, censorship and financial security.


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