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What is digital banking
1, digital banking This involves not only digitizing the front end of banking services and products customers see, but also automating the back end of processes and connecting these worlds to middleware. Digital banking is about automating every step of the banking relationship. It goes beyond online or mobile banking platforms. Digital banking encompasses the total transformation of the digital environment, the front-end and back-end, and anything in between including customers and employees. Digital banking relies on big data to analyze and adopt all new technologies to improve the customer experience. Digitizing all functions, from product development to customer service, would only be seen as a digital bank.
2. A digital bank is a platform developed by a commercial bank based on the Internet to provide users with convenient financial services, such as the ICBC Xiaobai digital bank, which was jointly developed by ICBC and Jingdong Finance. On this platform, users can provide financial investment, shopping, consumption and other financial services. There are many such platforms that users can use selectively. Banks are financial institutions that operate money and credit business according to the law. Ordinary banks can be divided into central banks, policy banks, commercial banks, investment banks and the World Bank. The central bank, the People's Bank of China, is the Central Bank of China.
3. Commercial banks include the Industrial and Commercial Bank of China, the China Construction Bank, the Agricultural Bank of China, the Bank of Communications, the Bank of China, and the Postal Savings Bank of China. Policy banks including the Export-Import Bank of China, Agricultural Development Bank of China and China Development Bank; investment banks including Goldman Sachs, Morgan Stanley and so on. Usually, users can go to commercial banks for deposits, loans, investment banking, cards, etc. When handling deposits, they are all demand or time deposits, of which time deposits allow users to get more interest; when handling loans, they must meet the requirements of the bank. After handling the loan, it must be returned on time and not overdue.
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