The banking industry is in a dominant position in China's financial industry and has played an important role in supporting and promoting economic and social development. With the rise of large-scale private capital into the banking industry and the rise of Internet finance with Alipay and Yubao, the core businesses of traditional banks such as deposits and loans and financial management have been greatly affected, and the monopoly pattern of traditional banks will be gradually broken. . At the same time, under the current downward pressure of the domestic economy, the Chinese banking industry is facing many problems such as a sharp decline in net profit, a continuous rise in non-performing loan ratios, and a continuous decline in customer satisfaction.
At the same time, the traditional bank's products are relatively single, the business processing efficiency is low, and the long-term queuing, complicated and cumbersome operation procedures often reflected by customers, and poor attitudes of some counter services cannot be fundamentally solved. The traditional banking reform potential It is imperative. The core of banking services is customers. Therefore, bank reform must focus on customer needs, and provide high-quality and diversified services to meet the multi-level needs of customers. It is extremely urgent to build a bank's wisdom hall.
Smart Hall refers to the bank's traditional business, through mobile networks and intelligent equipment, to help banks optimize and innovate business processes, strengthen communication and contact with customers, improve bank business efficiency, reduce costs and risks. As a key intelligent device of the Smart Hall, bank robots will become a breakthrough in the upgrading and transformation of the banking industry, greatly enhancing the core competitiveness of traditional banks.
What improvements can robots bring to banks?
First, the customer experience is intelligent. This will greatly improve the efficiency of the work and reduce the waiting time of customers. "Hua Huan" can solve these problems effectively, and solve the problem that took 3 or 4 hours to do well within half an hour, and continue to welcome customers with a good attitude. In this case, How can customers not be satisfied?
Second, 24 hours a day, 7 days a week. “Huanhuan†can meet the basic banking services that are not necessary, such as card sales, smart inquiry of bills, increase and decrease of value-added services, and so on. The realization of autonomous charging technology enables “Huanhuan†to serve 24 hours a day, 7 days a week, just like a 24-hour self-owned bank. Therefore, customers can choose their own free time to go to the bank to handle related business, which will change the traditional 5 days 8 The hourly work mode greatly enhances the customer's stickiness to the bank.
Third, intelligently record and analyze customer behavior. Intelligently recording and analyzing customer behavior will provide banks with massive amounts of customer data. Through big data technology and data mining analysis, traditional banks will integrate internal and external data resources, tap existing customer needs, create new customer needs, provide new communication channels and marketing tools, enhance customer experience, optimize operational processes, and improve management accuracy. Improve the management level.
Fourth, other advantages. For example, self-printing can improve the efficiency of work, voice intercom can act as a welcome person, 24-hour audio and video monitoring can enhance business security, environmental testing can help banks provide real-time environmental data and so on.
For example, the service robot “Huanhuanâ€, which is applied to the lobby of the International Business Department of Zhongshan Rural Commercial Bank, can provide basic services of the bank during the day, such as product service display, voice dialogue, intelligent numbering, self-printing, audio and video recording. And other services; at night it can patrol autonomously, autonomous charging, audio and video monitoring, abnormal situation alarm. Loved by banks and consumers!
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Zhongzhike's service robot "Happy Huan"
“Huanhuan†is provided by the leading brand of China Security Robot, Shenzhen Zhongzhi Ketron Robot Co., Ltd. (hereinafter referred to as “Zhongzhi Ketronâ€). In 2011, Zhongzhi Kechuang was committed to researching security commercial dual-purpose robots. In 2015, it pioneered the development of the first domestic security service robot in China. It integrates various advanced technologies in the field of artificial intelligence and security, enabling intelligent voice interaction, 24/7 intelligent security, face recognition, autonomous printing, autonomous navigation inspection, autonomous obstacle avoidance, autonomous charging, environmental detection and customer Customized related functions can be widely used in parks, financial industries, commercial centers, community properties, government centers, exhibition halls and other places.
The use of “Huanhuan†not only brings new experiences to Zhongshan Rural Commercial Bank customers, but also improves the efficiency of bank processing business. It also dismantles the barriers of traditional banking channels, strengthens the communication between staff and customers, and works. People are freed from tedious and repetitive work, making full use of human wisdom to create differentiated products and services, which will certainly promote the transformation and upgrading of traditional banks and drive the future of banks.
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