平安銀行:正推進智能化銀行3.0工作
中國平安(02318.HK)旗下平安銀行(000001.SZ)首席信息執行官唐家才出席由財新國際主辦的亞洲願景論壇時表示,目前正在推進智能化銀行3.0的工作,打破傳統銀行以產品和部門為邊界,採取「以客戶為中心,以數據為驅動」的思路,通過深度KYC(Know Your Customer),進一步挖掘客戶對於產品和服務的偏好,通過智能推薦讓客戶獲得所需要的金融服務。截至2022年末,平安銀行集中營運的自動化、智能化率近99%。其中,AI虛擬數字人為客戶提供24小時服務,節約人工座席成本超人民幣6億元。
唐家才表示,中國對於數據安全的從嚴管理是在有規範的基礎上用好數據,關於如何在安全可控的情況下使用數據,他認為,一是技術手段,通過建立安全的網絡環境,不同業務線之間建立防火牆,在獲得客戶授權前提下,將數據進行收集,但使用者僅能看見客戶授權下的數據;二是管理手段,按監管要求對數據打標、對於不同的數據源實施分級安全管理,對敏感性弱的數據進行更好的利用,對高敏感的數據進行防護管理。
他又指,可持續發展是永恆話題,平安銀行一直以來秉持「打造中國最卓越、全球領先的智能化零售銀行」戰略目標,踐行可持續發展理念,依托中國平安的綜合金融生態及科技賦能兩大優勢,不斷提升金融服務實體經濟的能力,積極履行金融企業的社會責任,全力助推可持續發展。(ca/w)
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