综合应用生物识别技术——商银行智能核身引领同业
近年来,综合银行客户行为呈向线上迁移的应用业趋势,智能终端几乎成为现代人肌体的生物识别商银身引一部分,客户的技术生活、消费、行智获取信息、领同金融服务高度依赖智能手机等电子终端。综合与此同时,应用业金融科技企业的生物识别商银身引兴起为客户提供了全方位的替代性渠道或金融服务,客户不再只使用特定银行的技术特定渠道或产品,而是行智根据自身需求与服务体验进行自主选择。
客户行为的领同变化,对银行业的综合客户服务和价值创造模式提出了新的要求。如何在满足客户移动金融服务需求的应用业同时,兼顾自然流畅的生物识别商银身引交互体验,从而获得客户认同,是银行业亟需解决的问题。记者从招商银行青岛分行获悉,作为业内金融科技创新的先行者,招商银行把目前主流的生物识别技术集大全应用于招商银行APP5.0,致力于为客户提供便捷、安全的移动金融服务,再次引领同业。
智能风控:智能核身拓展银行服务边界
金融交易的三要素是核身、授权以及资金的交割清算。过去,由于核身技术的局限性,用户也不得不依托实体核身工具验证身份,比如银行卡、USB Key等。例如密码、验证码等传统线上核身手段较为简单,具有安全隐患,迫使银行业限制移动金融业务的办理范围,仅能在线下网点为客户提供完整的银行服务。
与传统加密和解锁方式不同,生物识别技术具有随身“携带”、防伪性能好、私密性强、具有唯一性等优点,其在安全性上的出色表现,为银行远程核身提供了更为可靠的手段,帮助银行业迈向更广阔的自助及移动金融服务领域。例如,招商银行APP5.0中人脸识别技术的应用,让一些原本仅能在线下网点办理的业务,例如大额转账等,在手机上就能完成。
当然,人脸识别技术仅仅是招商银行APP5.0远程智能风控策略的一个环节。招商银行APP5.0还引入了基于大数据的实时分析技术,基于客户设备、位置、关系、行为、偏好等部署规则和风险识别模型,实现了客户从登录、查询、支付到转账等全场景全流程的风控覆盖,以毫秒级速度判定客户交易风险,实时分发风险策略管控风险交易,调用传统密码、验证码、指纹登录、人脸识别等多元组合核身手段,为客户提供多重账户信息和资金安全防护。
自然交互:用户视角重构银行服务
自然交互,即客户可以使用指纹、声音、人脸等自然语言直接与机器发生交互。过去由于技术限制,人被迫主动适应机器,客户必须依托银行卡等核身工具核实身份,输入机器读得懂的机器语言,例如密码或文字等才能享受银行服务,银行业也仅能以卡视角为用户提供割裂的金融服务,用户体验较差。
招商银行率先从卡视角转变为用户视角,转产品导向为客户导向,在招商银行APP5.0中综合应用指纹登录、人脸识别、语音搜索等生物识别技术,使手机银行能够读懂客户的指纹、声音、人脸等自然语言,节省了客户的人机交互成本,为客户提供了自然流畅的服务体验。
例如,用户无需再特意记忆密码或输入文字,用指纹快速登录账户,说话即可搜索想要内容,而办理某些业务,例如大额转账时更无需再到柜台,直接人脸识别即可,非常简单便捷。此外,该APP的搜索功能,还应用了语义分析技术,能智能识别自然生活用语,精准为用户搜出相关功能。例如,用户输入“打钱”,APP能智能为用户推荐“转账汇款”功能。
不是叫李白的都是诗人,生物识别千万种,用得靠谱才是王道。同业中率先综合应用生物识别技术的招商银行认为,开发应用生物识别技术,应该从用户视角出发,在保障消费者账户信息与资金安全的前提下,为客户提供绝佳的移动金融服务体验。
生物识别技术与智能风控策略在招商银行APP5.0的综合应用,使招商银行能够以更精准的安全方案实现远程身份认证,率先进入银行业的智能核身时代。未来银行服务将不再被局限在物理网点,而是将深度渗入客户各种生活场景中去,无论何时何地都能即时满足客户需求,银行服务将无处不在。
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