Focus on the service area bank sinking market
It is learned that recently, credit card overall business service provider credit life announced the completion of tens of millions of Pre-A round of financing, leading investors and high capital. This round of financing will be mainly used for research and development, talent introduction and business promotion of the core platform of user intelligent operation.
Credit Life is a brand of Credit Life (Guangzhou) Intelligent Technology Co., Ltd., which was established in January 2018. The legal representative is Shi Mingqiang, a founding member of the Guangzhou Bank Credit Card Center and a 6-year working at the Guangzhou Bank Credit Card Center. The core team has more than 10 years of customer management and risk control accumulation in the field of credit card and retail credit. The core members are from HSBC, Guangfa Card, Bank of Communications, Ping An Card, WeChat, Baidu, Weizhong and other enterprises. has completed 3 rounds of financing for a total of 10 million yuan.
Credit life mainly provides business process consulting services and capacity building for regional bank credit card centers. Its main product systems include: marketing customer acquisition system, risk management system, and operational realization system.
The marketing customer acquisition system mainly includes the network application system, the MGM recommended customer acquisition system, and the branch traveling system that includes the “three-parent” capability. The network application system supports users to fill out forms online, application process configuration, data distribution, card issuance and supplier management, face recognition and three-factor verification, etc., to help banks improve the efficiency of card issuance and the scale of card issuance.
The risk management system is divided into three sub-prime systems: pre-lending, lending, and post-loan. It provides services from three aspects: system tools, risk strategy, and data model system. It helps improve the efficiency of pre-lending approval and optimizes customer operations in lending. And reasonable collection after the loan.
Operational realization system includes user interaction applet and public number, sales system, operation management platform, operation decision engine, from product design, operation strategy, operation system, to realization strategy, and introduction of equity resources to enhance customer activity and promotion. Cards are overdrawn, revenue, and brand influence.
It is understood that Credit Life has cooperated with Zhongyuan Bank Credit Card Center in credit card development strategy consulting, data analysis platform, pre-lending risk control strategy system, post-loan risk control strategy system, and sales promotion strategy system. In the first year of cooperation, 1 million cards were issued, the automatic approval rate exceeded 80%, and the manual daily approval was 400.
According to the Enterprise Times Network, the credit life team believes that with the continued development of China’s economy below the third and fourth tier cities, regional banks can use the popularity of big data and artificial intelligence technology to enhance regional bank consumption through technology upgrades. Business efficiency. Regional banks that plough down the sinking market will bring huge blue ocean effects to outstanding financial technology companies.
Source: http://finance.ifeng.com/c/7rkwTy23C33