平安(02318.HK)陈心颖:未来五年投入2,000亿人币建立科研体系
平安(02318.HK)联席CEO陈心颖在中国数字银行论坛上指出,从2006年到2018年,全球银行业股本回报率(ROE)增速从17.4%下降到9.5%,中国银行业ROE增速从2012年的20.51%下降到2020年的10.04%,银行业的综合价值回报正在持续收窄。
她指出目前在运用金融科技转型之路上,多数金融机构都面临着「四大」关键要素的考验:吸引、培养尖端科技人才;丰富的应用场景促进成果转化;坚定不移、持之以恒的战略投入;多源的数据基础加领先的数据治理能力。她认为在数字化时代,客户要求的是以客户体验为中心的全渠道、无缝式、定制化服务。
陈心颖指平安近10年累计投入1,000亿元人民币(下同),未来5年将投入2,000亿元,建立集群化、矩阵化、原创化的科研体系。具体来看,平安已经建立领先的人脸识别、声纹识别、语义分析等基础感知能力;拥有完善的KYR(Know Your Risk)知识体系;可以实现运用AI协助服务断点识别商机,带动销售增长;利用微表情测谎及反欺诈技术,实现纯线上信贷审批,有效提升审批效率、降低信贷损失;智能语音机器人取代人工提供高质量客服服务;在数字化中台建设上,以Gamma O平台提供四大中台解决方案,协助各类机构降本增效,通过以上种种,平安集团用户基础不断深化,客户交叉销售充分挖掘。陈心颖指出,运用科技,可以促进政府及监管部门、金融机构、企业之间打通「物流、资金流、信息流」,通过构建生态,最终实现以数字经济生态服务实体经济。(el/u) ~
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