ICBC has always been full of confidence in the impact of Internet finance and the fear that the ship is in a difficult position to turn around. At the recent interim results conference, ICBC management focused on the bank's Internet financial strategic planning - a brand new "e-ICBC", and the product system built by ICBC around this plan has gradually surfaced.
Recently, in an “inline and offline payment innovation product promotion meeting†on Financial Street, ICBC’s “online POSâ€, a heavy payment product in the Internet finance field, was unveiled in front of more than 100 merchants for the first time. In addition, "WeChat" products - ICBC "instant messaging platform" will also be launched at the end of the year.
It is reported that this is two innovative products that ICBC has launched again in the field of Internet finance this year. Since the beginning of this year, ICBC has been making continuous moves in the field of Internet finance, and its transformation in the field of Internet finance has been fruitful.
Launched at the end of "Online POS"
As the biggest highlight of the promotion conference, ICBC plans to launch the "online POS" this year. This is also an important product of ICBC's Internet finance strategy this year. ICBC has positioned it as "the full payment method and the full acceptance card type." Receipt Tool".
As the name suggests, “online POS†is the payment experience that is similar to the offline POS machine on the Internet. According to the reporter's understanding, the product can realize the bank card business of all bank card organization brands through one port. That is to say, no matter which bank card is held by the consumer when paying online, the payment can be completed only by “online POSâ€.
“Online POS†can support four payment methods: simple cardless payment, 3D authentication payment, mobile phone verification payment and online banking payment. It is understood that ICBC is also working with some prepaid card companies, and will also support the acceptance of prepaid card products.
It is envisaged that for contracted online merchants, it is only necessary to install the “online POS†application on the merchant website to open the “online POS†service, eliminating the need to sign a number of banks including Alipay and other third-party payment institutions. Complete the complex process of online receipt.
For consumers who pay online, it means a faster and safer payment experience. Consumers only need to enter the card number, password and consumption amount, and ICBC can complete the security verification and liquidation with other banks in the background. At the same time, consumers will be reminded to adopt different security verification methods such as mobile phone verification code and U shield according to the factors such as consumption amount, consumption area and credit rating.
Obviously, ICBC places high hopes on "online POS". Compared with third-party payment products such as Alipay, “online POS†can not only provide convenient small payment, but also provide convenient and safe large-value payment.
According to the reporter's understanding, the "online POS" will be launched in November this year after the completion of the selection and signing of the merchant. At present, the product is being tested internally by the ICBC e-commerce platform.
Four dimensions to create "e-ICBC"
In addition to "online POS", it is revealed that the instant messaging platform of ICBC's three major platforms will also be launched at the end of the year. The function is similar to Tencent's WeChat, and the name is "work letter".
It is understood that the target group of this product is an active customer who is 20-50 years old and has certain demand for investment and wealth management. It will also open registration for non-ICBC customers. Compared with the current ICBC “WeChat Bankâ€, ICBC will Implement more services on the product, such as information release, account information inquiry, online shopping, financial management, payment, etc.
Earlier, Shenzhou Taiyue announced on August 18 that it had obtained the ICBC instant messaging platform project contract. According to the announcement, ICBC's product will provide a complete set of instant messaging service platforms, including customers, groups, public platforms, circle of friends, etc. for the transmission, playback, download and preservation of text, voice, pictures, videos, files and multimedia messages. Basic functions such as forwarding and forwarding, and provide client-side functions such as client registration management, friend management, session management, group management, and customer information permission setting, and server-side functions such as communication, session, and product component management involved in instant messaging.
In addition, at the promotion meeting, ICBC also launched a variety of innovative products including domestic and foreign merchants, including dual-chip credit cards, O2O payments, and HCE cloud payments.
In response, Jiang Jianqing, Chairman of ICBC, said that in order to comply with the requirements of the development of the times, ICBC is accelerating the innovation of different payment products, different payment channels and different payment functions, building an online and offline integrated product system, and striving to make the largest payment safest. Micropayments are the most convenient. At the same time, he reiterated that ICBC is determined to create a new "e-ICBC".
This is the second time Jiang Jianqing has spoken about "e-ICBC" in public this year. Earlier, at the ICBC Interim Results Conference, Jiang Jianqing first stated that in response to the challenges of Internet finance, ICBC wanted to build a new "e-ICBC".
Regarding how to build, Jiang Jianqing proposed four dimensions: first, building an e-commerce platform, direct banking platform and instant messaging platform; second, establishing three major product systems based on Internet for payment, financing, and investment and wealth management; and third, building online and online lines. Under the integrated financial system, the establishment of O2O, the combination of online consumption and offline consumption; the fourth is to establish and improve the application of big data, mainly for financing and payment tools.
Obviously, ICBC has begun to lay out in these four aspects, and relevant innovations are emerging. "All products will be launched in the whole year." Jiang Jianqing stressed.
Internet finance
In fact, ICBC’s murder in the Internet finance sector has been fruitful this year. According to the mid-year report, the transaction volume of ICBC e-banking increased by 15.8% in the first half of the year, and the proportion of e-banking business in the total number of banks in the Bank increased by 2.1 percentage points from the previous year to 82.3%.
In terms of the construction of the three major platforms, ICBC launched the B2C e-commerce platform in January this year. It has registered more than 5.5 million users in half a year, signed more than 1,600 merchants, and nearly 60,000 online products, with a cumulative transaction volume of 15.5 billion. Yuan, the average daily transaction volume exceeded 70 million yuan.
Jiang Jianqing said that the bank e-commerce platform has the characteristics of a bank, mainly relying on the e-commerce website to make the flow of funds, information flow and logistics unified. "This year's 'melt e-purchasing' breakthrough of 30 billion yuan is no problem, 30 billion words will be able to enter the top ten e-commerce companies in the country." In addition, Jiang Jianqing revealed that ICBC's B2B e-commerce platform will soon be launched, will provide corporate customers Trading, payment, financing and other financial services such as data analysis.
In the field of payment, ICBC has already launched the small-scale fast payment product “ICBC e-paymentâ€, the number of customers has exceeded 20 million, and the transaction volume has increased by 7.5 times. On the Internet financing products, the new type of credit loan products based on online and offline direct consumption “Yi Leng†accumulated a total of 121.3 billion yuan. The balance of “net loan†for small and micro enterprises is about 300 billion yuan, an increase of nearly 40 billion yuan compared with the beginning of the year. A total of 1.4 trillion yuan has been issued to 65,000 small and micro enterprises.
"As long as we can use the thinking of the Internet to improve the business model, innovative products and services, we will be able to provide better financial services to Chinese residents with other Internet companies." Jiang Jianqing said.
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