**Commercial slicing of digital human beings: China Information cuts into the digital human scene of banks **
Under the wave of digitalization, superimposed on the continuous evolution of metaverse-related technologies, digital humans are no longer an illusory concept, but are showing the characteristics of a combination of diversification and business. China Information (000555) cuts into the application of digital human scenarios, which can be regarded as one of the slices of this trend.
A reporter from Securities Times·e Company learned from Shenzhou Information that the company and Beijing Shensi Puhui, which was incubated by Tsinghua University, jointly launched the digital human product “Xiaoxin”, in order to help financial institutions expand omni-channel digital human services and build high-frequency service scenarios. This is the first time that an A-share financial technology company has entered into the same scenario application of digital humans.
With the introduction of a series of policies such as the “14th Five-Year Plan for Digital Economy Development” requiring the promotion of “virtual-real interactive experience” applications, the “Beijing Action Plan for Promoting the Innovation and Development of the Digital Human Industry (2022-2025)”, and the addition of new technologies Under the influence of multiple factors such as the continuous maturity of applications, social awareness and increasing market enthusiasm, financial institutions have launched various digital human services.
Scenario-based application requirements are regarded as an important driving force for the accelerated implementation of the digital human industry. China Information’s entry into the digital human is centered on the bank’s digital transformation business. The digital transformation and upgrading of the banking industry faces difficulties such as the need to improve the mining of data value and the reduction of compliance costs. While the banking industry is expanding the boundaries of financial services, scenario finance also needs to play a better role.
Liu Ruijie, a solution expert at the SBG Product Center of China Information Finance, gave an example to e-company reporters on the 28th. Online mobile banking uses digital people to upgrade the original text customer service and voice customer service, or as an intelligent assistant in the business process, etc. , Bringing a sense of interaction to users with the help of digital humans. As digital humans become more personal or emotional, there will be digital humans with different personalities and images to communicate with different customers.
Intelligent customer service is just one of the current scenarios where virtual digital humans are accelerating commercialization. In scenarios such as virtual anchors and digital idols, as well as in e-commerce, music, film and television, games, finance and other fields in the Internet field, virtual digital people are accelerating the construction of digital image IP, which has become an important business form in the digital world.
According to statistics, the scale of my country’s virtual human-driven industrial market reached 107.49 billion yuan, and the core market scale was 6.22 billion yuan. Another industry report predicts that by 2030, the overall market size of virtual digital humans in my country will reach 270 billion yuan.
“In the banking scene, from the general information broadcast, the visual agent that replaces the image and voice of the artificial agent in the remote bank, to the intelligent assistant responsible for the intelligent customer service, to the wealth that has the functions of credit digital human interview and financial management in the business field Assistants, etc. have the application value of digital humans.” Liu Ruijie said.
However, in the process of landing in the bank, how digital people face “non-standard” issues has also become an important direction for whether the road to landing can go smoothly.
Liu Ruijie pointed out that the credit interview is a subdivided and very differentiated business scenario. During the interaction process, there is information verification to check the customer address, income and other matching checks, and through the understanding of the situation, from the consistency of information Risk identification and risk scoring are carried out in multiple dimensions such as reliability, stability, and repayment ability. On the one hand, it is necessary to lay a good “common base”, and it is also necessary to build knowledge graphs, rules, and algorithm models based on the AI â??â??platform’s perception platform, cognitive platform, and AI development platform for different scenarios to realize different scenarios. The application of digital human is then embedded in specific business scenarios.
According to Liu Ruijie, China Information is exploring more diversified future application scenarios, such as in the credit field, such as post-loan return visits and collections, to verify the purpose of the loan, and to judge and grade the repayment ability and willingness. Further explore customers’ needs for other financial products. In addition, the direction of exploring and trying to apply in the ecology of the purely digital Metaverse is also an important development trend in the future.
https://www.sohu.com/a/611497509_115433