AI驱动金融创新

AI

Is

Driving

Financial

InnovationAI驱动金融创新Retail

banking

3.0开启零售金融3.0模式From

cards

to

online

apps从卡片经营、分层财富管理向App经营转型A

service

network

that

covers

all

products,all

channels,

and

all

customers打造“全产品、全渠道、全客群”服务体系Bestcustomer

experience创造最佳客户体验CMB:

Fintech

bank招商银行—金融科技银行CMBApp招商银行AppCMBLifeApp掌上生活App两大App用户总数超过1.2亿 月活超过6000万Monthly

active

users

>

60mTotal

users

>

120mTwo

appsServices服务Customer

acquisition获客Wealthmanagement理财销售55%CMBApp手机银行Consumer

finance消费金融49%CMBLifeApp掌上生活Online线上获客

14%Debit

card借记卡Online线上获客

60%Creditcard信用卡App

logs两大APP日志数据Tracing

points:

30,000埋点：3万个Logfiles:1bn/day日志：10亿条/日Smartpersonalizedrecommendations智能个性化推荐Total

ad

spots:

200两APP露出：200个栏位Promotions:3,000/month营销活动：3000次/月Recommendations:300m/day每日推荐：3亿次Marketing营销Customeracquisition获客Services服务Operations运营Data-driven数据驱动Fintech

game-changer,

Becoming

a

leading

digital

bank金融科技变革者,打造领先的数字化银行Imagerecognition图像识别Facial

recognition人脸核身Natural

languageprocessing自然语言处理Intelligentcustomer

services智能客服Machine

learning机器学习Anti-fraud

system反欺诈Blockchain区块链Distributed

ledger分布式账本Valuenetwork价值网络Big

data

applications大数据应用Creditrisks信用风险Precision

marketing精准营销Big

data

analytics大数据分析AI

applications人工智能应用Natural

languageprocessing自然语言处理

Cognitive

computing认知计算Computer

vision计算机视觉Cloud

computing云计算Big

data大数据AI人工智能AI:The

new

fintech

battlegroundAI-金融科技创新的竞技场Experiments

&

experience

with

AI招行的AI探索与实践Image

recognition图像识别Facereading

wealth

predictor人脸识别测算财富Account

ID

checksat

VTMVTM开户验身OCRtext

scanner文本检测Anniversary

promotion:ARscansCMBlogo

for

prize行庆AR扫LOGO活动Facial

attribute

recognition

system人脸属性识别系统Machine

learning机器学习Proactiveprecisionmarketing主动精准营销MachineGene

Investment摩羯智投Anti-fraud

platform反欺诈平台Financial

forecasting&

planning金融预测规划risk

control实时风控Real-time

Risk

controlmodel风控模型tagging客户标签Customer

Relationshipgraph关系图谱How

much

is

my

bill

for

this

month?我本月账单多少呢？CNY30,000.您4月份账单金额为30000元人民币。That’s

a

lot!

I’ve

got

to

tighten

my

belt.账单好高，要吃土You

can

pay

in

installments.

Over

12

months,

you

only

need

to

pay

CNY2,698

a

month.小招推荐您办理账单分期，12期每期仅需还款

2698元哦。How

about

24

installments?

24期呢？CNY1,454

each

month.分期24期每月仅需还1454元。That’s

nice!这个不错Shall

I

set

it

up

for

you

now?你需要办理吗？小招可以直接帮您办理哦。Dear

Tom,

Good

Afternoon!

Your

payment

is

due

tomorrow.

Please

remember

to

pay!先生下午好！明天是您的最后还款日，请记得还款哦。Intelligent

Q&A智能问答Clear

understanding:

Customer

name,

time,intentions精准理解：客户、时间、意图，理解入微。Multi-turninteractions:Human-like

service

experience多轮互动：提供类人工的极致服务体验Online

completion:Efficient

services在线办理：打造服务闭环、提升服务效率Natural

language

processing自然语言处理News

tagPositive/情感正负面Newsdeduplicationnegative

emotions新闻去重News新闻标签summary新闻摘要Text

classification文本分类Court

judgment

analysis法院判决文书解析Textmining文本挖掘Tenderandbid

invitationnoticeanalysis招中标公告解析Knowledge

graph知识图谱Company

relationship

graph企业关系图谱Retailrelationshipgraph智网-零售关系图谱Private

equity

knowledge

graph私募知识图谱Databases:

A

key

driver

for

AI数据库成为AI的重要驱动力Services服务Video/image

recognition视频/图像识别Payments支付Insurance保险Wealth

management财富管理Risk

control风控

Marketing营销

Processmanagement流程管理

Operations

management运营管理Lending借贷Real-timeanalysis实时分析Predictive

analysis预测分析Machinelearning

机器学习Deep

learning

深度学习Natural

language

processing&

speechrecognition自然语言处理与识别Virtual

assistants/robots虚拟助手/机器人Roboticprocessautomation机器人自动化处理（RPA）Integration融入Change改变Disruption颠覆Exploration探索Practice实践Big

data

大数据Databases数据库AI人工智能AI

raises

higher

requirements

for

data

processingAI时代面临数据处理的更高要求Opensource

relationaldatabases:Obviousweaknesses开源关系数据库存在明显不足New

technologies

(e.g.,

NoSQL):Limited

functionalityNoSQL等新型数据库存在局限High

scalabilityHigh

performanceHigh

availabilityCloud

architectureEasy

O&MDev-friendlyCMB

is

exploring

better

databases招行在探索更好的数据库产品Apr

2018Integratedpaymentssystem综合支付交易系统April

2018Jun

2018Jointinnovationlab联创实验室成立Nov

2017Jun

2018Real-time

credit

card

system(loan

marketing)信用卡重资产营销实时展示系统Oct

2018Dec

2018CMB

and

Huawei

launched

a

joint

innovation

lab

for

distributed

databases招行华为携手成立分布式数据库联合创新实验室GaussDB

100Huawei:Leading

R&D

experienceHuawei:

Committed

to

developing

leadingdatabasesCMB:

jCutting-edge

use

casesCMB:

Long

experience

in

databaseoperationsEnterprise-class

database

kernel

with

outstanding

performance卓越的高性能企业级DB内核Superior

performance

&

enterprise-class

stabilityunder

complex

workloads满足各种复杂企业负载，保持卓越性能和企业级稳定性Ultra-distributed,

ultra-scalable极致的分布式高扩展Linear

scalability,supportingsustainedfintechinnovation性能随资源线性扩展，支撑Fintech金融科技持续创新Bank-grade,

distributed,

high-availability金融级分布式高可用Distributed

active-active