AI驱动金融行业创新

AIIsDrivingFinancialInnovationAI驱动金融行业创新Retailbanking3.0开启零售金融3.0模式Fromcardstoonlineapps从卡片经营、分层财富管理向App经营转型Aservicenetworkthatcoversallproducts,allchannels,andallcustomers打造“全产品、全渠道、全客群”服务体系Bestcustomerexperience创造最佳客户体验CMB:Fintechbank招商银行—金融科技银行CMBApp招商银行AppCMBLifeApp掌上生活App两大App用户总数超过1.2亿 月活超过6000万Monthlyactiveusers>60mTotalusers>120mTwoappsServices服务Wealthmanagement理财销售55%CMBApp招商银行AppConsumerfinance消费金融49%CMBLifeApp掌上生活AppCustomeracquisition获客Online线上获客14%Debitcard借记卡Online线上获客60%Creditcard信用卡Data 数据Riskcontrol 风控Marketing营销Customeracquisition获客Services服务Operations运营Data-driven数据驱动"Finance+"ecosystem “金融+”业务生态Fintechgame-changer,Becomingaleading digitalbank金融科技变革者,打造领先的数字化银行Imagerecognition图像识别Facialrecognition人脸核身Naturallanguageprocessing自然语言处理Intelligentcustomerservices智能客服Machinelearning机器学习Anti-fraudsystem反欺诈Blockchain区块链Distributedledger分布式账本Valuenetwork价值网络Bigdataapplications大数据应用Creditrisks信用风险Precisionmarketing精准营销Bigdataanalytics大数据分析AIapplications人工智能应用Naturallanguageprocessing自然语言处理Cognitivecomputing认知计算Computervision计算机视觉Cloudcomputing云计算Bigdata大数据AI人工智能AI:ThenewfintechbattlegroundAI-金融科技创新的竞技场Experiments&experiencewithAI招行的AI探索与实践Imagerecognition图像识别Facereadingwealthpredictor人脸识别测算财富AccountIDchecksatVTMVTM开户验身OCRtextscanner文本检测Anniversarypromotion:ARscansCMBlogoforprize行庆AR扫LOGO活动Facialattributerecognitionsystem人脸属性识别系统Machinelearning机器学习Proactiveprecisionmarketing主动精准营销MachineGeneInvestment摩羯智投Anti-fraudplatform反欺诈平台Financialforecasting&planning金融预测规划riskcontrol实时风控Real-timeRiskcontrolmodel风控模型tagging客户标签CustomerRelationshipgraph关系图谱Howmuchismybillforthismonth?我本月账单多少呢？CNY30,000.您4月份账单金额为30000元人民币。That’salot!I’vegottotightenmybelt.账单好高，要吃土Youcanpayininstallments.Over12months,youonlyneedtopayCNY2,698amonth.小招推荐您办理账单分期，12期每期仅需还款2698元哦。Howabout24installments?24期呢？CNY1,454eachmonth.分期24期每月仅需还1454元。That’snice!这个不错ShallIsetitupforyounow?你需要办理吗？小招可以直接帮您办理哦。DearTom,GoodAfternoon!Yourpaymentisduetomorrow.Pleaseremembertopay!先生下午好！明天是您的最后还款日，请记得还款哦。IntelligentQ&A智能问答Clearunderstanding:Customername,time,intentions精准理解：客户、时间、意图，理解入微。Multi-turninteractions:Human-likeserviceexperience多轮互动：提供类人工的极致服务体验Onlinecompletion:Efficientservices在线办理：打造服务闭环、提升服务效率Naturallanguageprocessing自然语言处理NewstagPositive/情感正负面Newsdeduplicationnegativeemotions新闻去重News新闻标签summary新闻摘要Textclassification文本分类Courtjudgmentanalysis法院判决文解析Textmining文本挖掘Tenderandbidinvitationnoticeanalysis招中标公告解析Knowledgegraph知识图谱Companyrelationshipgraph企业关系图谱Retailrelationshipgraph智网-零售关系图谱Privateequityknowledgegraph私募知识图谱Databases:AkeydriverforAI数据库成为AI的重要驱动力Services服务Video/imagerecognition视频/图像识别Payments支付Insurance保险Wealthmanagement财富管理Riskcontrol风控Marketing营销Processmanagement流程管理Operationsmanagement运营管理Lending借贷Real-timeanalysis实时分析Naturallanguageprocessing&speechrecognition自然语言处理与识别Deeplearning深度学习Machinelearning机器学习Predictiveanalysis预测分析Virtualassistants/robots虚拟助手/机器人Roboticprocessautomation机器人自动化处理（RPA）Integration融入Change改变Disruption颠覆Exploration探索Practice实践Bigdata大数据Databases数据库AI人工智能AIraiseshigherrequirementsfordataprocessingAI时代面临数据处理的更高要求Opensourcerelationaldatabases:Obviousweaknesses开源关系数据库存在明显不足Newtechnologies(e.g.,NoSQL):LimitedfunctionalityNoSQL等新型数据库存在局限Highscalability高性能易运维易开发高扩展云架构HighperformanceHighavailabilityCloudarchitectureEasyO&MDev-friendly高可用CMBisexploringbetterdatabases招行在探索更好的数据库产品GS-EngineHigh-performancekernel高性能内核Apr2018Integratedpaymentssystem综合支付交易系统April2018Jun2018Jointinnovationlab联创实验室成立Nov2017GS-PaxosDistributed,high-availability分布式高可用Jun2018Real-timecreditcardsystem(loanmarketing)信用卡重资产营销实时展示系统GS-ClusterSwitchTurboOct2018GS-ScaleHighscalability极致扩展Dec2018CMBandHuaweilaunchedajointinnovationlabfordistributeddatabases招行华为携手成立分布式数据库联合创新实验室GaussDB100Huawei:LeadingR&Dexperience华为领先的研发实践Huawei:Committedtodevelopingleadingdatabases华为打造领先数据库产品的决心CMB:Cutting-edgeusecases招行领先的业务场景CMB:Longexperienceindatabaseoperations招行领先的数据库应用实践经验Enterprise-classdatabasekernelwithoutstandingperformance卓越的高性能企业级DB内核Superiorperformance&enterprise-classstabilityundercomplexworkloads满足各种复杂企业负载，保持卓越性能和企业级稳定性Ultra-distributed,ultra-scalable极致的分布式高扩展Linearscalability,supportingsustainedfintechinnovation性能随资源线性扩展，支撑Fintech金融科技持续创新Bank-grade,distributed,high-availability金融级分布式高可用Distributedactive-activedataservices,bank-gradedatareliabilityandserviceavailability多活多中心数据服务，金融级数据可靠性和服务可用性Intelligent,distributed,cloud-based智能的分布式云化Cloud-nativedistributedautonomousdatabase:Intelligentdatamanagement云原生的分布式自治数据库，数据管理智能化高斯数据库GaussDB100CMB&Huaweijointinnovation招行华为联创Enterprise-classhigh-performancedistributeddatabase企业级高性能分布式数据库FuturearchitectureforCMBdatabases未来招行数据库总体架构的思考Moreintelligentdatabasemanagement数据库管理更加智能Moreintegrateddatabases数据库种类趋于精简Morepowerfulsupportforbankoperations更好创造业务价值谢谢聆听