数字科技服务金融

1数字科技服务数字科技服务金融京东数字科技毕马威中国2018年11月2数字科技服务金融目录序言 1 6序言 2 7核心观点 9数字科技发展方兴未艾 10（一）数据已成为重要战略资源10（二）科技与数据间形成正反馈的良性互动机制11（三）中国已成为世界公认的数字化大国12数字科技迭代推动科技企业服务模式的转型 14（一）科技企业服务模式经历了四个阶段的演化141 信息化的企业服务142 SaaS 化的企业服务153 移动化的企业服务164 AI 化的企业服务16（二）中国数字化企业服务前景可期161 “四化合一”构成中国科技企业推进数字化服务的背景162 发展数字化企业服务正当其时17（三）数字科技服务与金融业领域天然适配18数字科技企业服务金融基于四个维度 22（一）场景维度：无界融合 231 线上场景全方位融入 232 线下场景智能化升级 240102033数字科技服务金融（二）用户维度：精准包容 241 存量客户：对用户精准分层 242 新增用户：扩大金融服务半径 26（三）产品维度：整体优化 261 获客与营销 272 审核与反欺诈 283 评估与定价 304 资产流转 305 风险管理 33（四）运营维度：降本提效 351 智能财务 352 智能客服 363 智能巡检 36建议与展望 38（一）建议 381 数字科技企业 382 传统金融机构 39（二）展望 401 数据的基础作用凸显 402 科技监管形成趋势 413 数字科技服务金融程度不断深化 414 数字科技服务的范畴不断拓展 41附件：名词解释 044数字科技服务金融 ContentsPreface I 6Preface II 7Key Takeways 9Digital technology is booming 10(1) Data has become a strategic resource 10(2) Technology and data combine to form a virtuous interactive mechanism with positive feedbacks 11(3) The rise of China as global digital superpower 12The evolution of digital technology drives the transformation of tech firms’ service mode 14(1) The service mode has undergone four stages of transformation 14a Informatized corporate services 14b SaaS-based corporate services 15c Mobile corporate services 16d AI-based corporate services 16(2) Digitized corporate services have a significant market potential in China 16a The integration of four service modes provides a solid foundation for Chinese tech firms to push forward digital services 16b Seize the opportunity to develop digital corporate services 17(3) Digital technology is compatible with the financial sector 18Four areas where digital tech firms could provide services to the financial sector 220102035数字科技服务金融(1) Scenarios: tearing down online-offline boundaries 23a Technology services could reach every aspect of online financial services 23b Digital transformation of offline financial services 24(2) Users: precision and inclusiveness 24a Classify existing clients in a precise way 24b Develop new clients in an inclusive way 26(3) Products: all-around optimization 26a Customer acquisition and marketing 27b Auditing and anti-fraud activities 28c Accessibility and pricing 30d Asset transfer 30e Risk management 33(4) Operations: cost-effectiveness 35a Intelligent finance system 35b Customer service robotics 36c Inspectation robotics 36Suggestions and outlook 38(1) Suggestions 38a Regulating digital technology industry 38b Financial institutions to embrace digital technology 39(2) Outlook 40a Core role of data highlightens 40 b The trend of technological s