数字时代，曾经的虚拟现实以数据为触手快速融入真实世界，数据与信息技术的深度结合，持续改变、重塑着各领域的传统业态，数字化转型的内涵和路径也随之不断发展完善。尤其在金融领域，面向以数据驱动的运营转型需求，商业银行的数字化转型步伐正持续加速。然而，与大中型银行、新型互联网银行相比，受限于自身资源禀赋，中小银行的数字化转型之路往往更为曲折、坎坷。为突破这一困境，南京银行将数字化转型实践与业务赋能相结合，深入探索中小银行基于数字科技的金融创新路径。
一、银行数字化赋能路径分析
当前，金融领域的数字化转型聚焦以客户为中心，尤其是银行数字化。其致力于以全链路数字化手段实现内外部资源整合，并尝试将现实需求“镜像”到数字世界中，探寻更为安全、智能、便捷的金融服务方案。顺应这一趋势，南京银行积极引入人工智能、区块链、云计算、大数据等创新技术，结合业务维度深入探索数字化、线上化转型路径。
1. 动因分析
作为最基本的数字化转型方向之一，南京银行在推进业务线上化的过程中重点考量了内外部两重动因：内部驱动力主要包括了线上、线下经营模式的调整融合需求，用户线上化迁移带来的产品和服务需求，以及线上办公、移动展业的转型需求;外部驱动力主要指客户习惯进一步向线上化、移动化转变，而金融科技创新应用的成熟度也正在快速提升，同时监管部门愈发关注银行机构的中长期发展规划。综合上述因素，南京银行深刻认识到拓展线上经营的重要性，明确了“以客户为中心、全渠道联动、数据驱动”的精细化转型路径，以加速推动银行业务向精细化、智能化方向发展。
2. 实施规划
在内外部两重动因的共同驱动下，南京银行为银行业务线上化制定了如下方向：一是持续挖掘线上业务场景，细致筛选、规划线上场景能力，制定线上场景建设方案，以及明确线上场景推广策略。二是深度拓展、融入线上业务生态圈，以数据为基石开展客户洞察，并针对性输出金融服务解决方案。三是构建竞争壁垒，结合大数据分析技术，准确衡量自身产品和服务价值，持续完善银行各业务线上化功能模块，打造特色化场景服务。四是加速推进金融科技创新应用，充分消化吸收已经掌握的金融科技经验，加速将金融科技优势转化成业务价值。
二、数字化支撑能力建设
为加速推动银行业务线上化转型进程，南京银行以全行业务战略为指导，以数据管控、创新驱动为核心，制定了契合自身特点的数字化转型框架，并设立一级部门——数字银行管理部，负责牵头推动全行数字化转型战略，具体职责包括开展数据治理、数据平台建设、提供数据为业务赋能、智能创新研究、对外数据交流、数据专业队伍培养等。其中，数据治理与数据平台建设是南京银行推进业务线上化转型的两大重要抓手。
1. 数据治理
基于南京银行实践，数据治理作为一项长期、复杂的系统性工程，首要环节是结合监管要求制定统一的数据标准，进而将数据整合为企业级通用语言。同时，数据标准还有助于增强系统设计和建设的规范性，并能有效促进数据共享、提升数据质量。此外，在业务经营层面，数据标准可推动对数据信息的统一理解，从而更好地为经营决策提供支持。在落地层面，数据标准与系统建设关系密切，需要业务需求部门、技术实施部门、数据管理部门通力配合，共同完成数据标准在系统内部的落地工作，之后再依托数据平台建设，持续优化基础类数据标准，并据此制定统一的业务分析指标。
2. 数据平台建设
在平台建设方面，南京银行以统一整合、统一标准、统一服务为目标，先后建设“数据湖”分布式数据平台、统一数据采集平台、数据集市、数据中台等系统，构建了全新的数据平台体系，功能覆盖数据治理、数据采集、数据整合、分析挖掘、业务应用等多个领域。其中，“数据湖”分布式数据平台代替原有的ODS系统，成为南京银行新的“数据核心”;统一数据采集平台基于规范化的外部数据接口，面向全行提供了外部数据综合服务能力;数据集市通过从业务维度开展数据整合，为打造专业化服务提供了数据支撑，并从专业角度被进一步细分为零售集市、对公集市、同业集市、审计集市、监管集市、经营集市、分行集市、运营集市等。
三、面向业务的赋能案例分享
紧跟时代步伐，南京银行不断强化金融科技赋能、创新业务模式，并已在多个业务场景取得了突破性成效。本文以NCard信用卡和“鑫e伴”产品为例，分享南京银行的创新思路，希望能供中小银行同业参考。
1. NCard信用卡
顺应数字化创新趋势，南京银行正式对外推出了虚拟信用卡——NCard。在推广过程中，南京银行基于对信用卡行业变化的最新认知，紧抓移动支付这一风口，围绕“智能化、数字化、开放化”创新思路，突破传统实体卡介质和支付场景的局限，采用敏捷团队开发模式，为年轻消费群体打造了这款虚拟信用卡。NCard信用卡的核心定位是做一张有温度、懂生活、能社交、会记账、更有趣的信用卡，且从申请办卡到用卡消费，客户均可直接在微信小程序中完成。例如，在申请环节，由于NCard信用卡具有虚拟化、数字化等特点，因此面签激活无需再等待实体卡片，只要核卡通过，营销人员即刻就可以为客户办理面签激活，而客户在绑定移动支付后马上可正常消费。此外，在用卡环节，客户也不再需要下载单独的App，所有操作均可在“南京银行NCard”微信小程序中完成。
翻译：
In the digital era, the former virtual reality rapidly integrates into the real world with data as the tentacles. The deep combination of data and information technology continues to change and reshape the traditional business forms in various fields, and the connotation and path of digital transformation also continue to develop and improve. Especially in the financial field, the pace of digital transformation of commercial banks is accelerating to meet the needs of data-driven operational transformation. However, compared with large and medium-sized banks and new-type Internet banks, small and medium-sized banks, limited by their own resource endowment, often have a more tortuous and bumpy road to digital transformation. In order to break through this dilemma, Bank of Nanjing combined digital transformation practice with business empowerment, and deeply explored the financial innovation path of small and medium-sized banks based on digital technology.
1. Digital enabling path analysis
At present, the digital transformation of the financial field focuses on the customer as the center. It is committed to the full link digital means to achieve internal and external resource integration. And tries to “mirror” the real needs into the digital world. It to explore more secure, intelligent and convenient financial service solutions. In line with this trend, the Bank of Nanjing actively introduced artificial intelligence, blockchain, cloud computing, big data and other innovative technologies. Which combined with the business dimension to deeply explore the path of digital and online transformation.
Motivation analysis
As one of the most basic directions of digital transformation, Bank of Nanjing mainly considers internal and external drivers in the process of promoting online business. The internal driving force mainly includes the adjustment and integration of online and offline business models. The product and service demand brought by online migration of users. And the transformation demand of online office and mobile exhibition industries.
The external driving force mainly refers to the further change of customer habits to online and mobile. The rapid improvement of the maturity of financial technology innovation application. And the increasing attention of the regulatory authorities to the medium – and long-term development planning of banking institutions. Based on the above factors, the Bank of Nanjing has deeply realized the importance of expanding online operations. And it has made clear the refined transformation path of “customer-centered, all-channel linkage and data-driven”. So as to accelerate the development of banking business to the refined and intelligent direction.
Implement the plan
Driven by both internal and external motivations, the Bank of Nanjing has formulated the following directions for the online banking business. First, continuously excavate online business scenarios, carefully screen and plan online scene capabilities, formulate online scene construction schemes, and clarify online scene promotion strategies. The second is to deeply expand and integrate into the online business ecosystem, carry out customer insight based on data. And export financial service solutions. The third is to build competition barriers, combine big data analysis technology, accurately measure the value of their own products and services, continue to improve the online functional modules of the bank’s business, and create special scene services. Fourth, accelerate the application of fintech innovation, fully absorb the fintech experience already mastered, and accelerate the conversion of fintech advantages into business value.
2. Digital support capacity building
In order to accelerate the process of online banking transformation, guided by the whole bank’s business strategy and with data control and innovation-driven as the core. Bank of Nanjing has developed a digital transformation framework.
Which that fits its own characteristics, and set up a first-level department — Digital banking Management Department to take the lead in promoting the whole bank’s digital transformation strategy. Specific responsibilities include data governance, data platform construction, providing data for business empowerment, intelligent innovation research, external data exchange, data professional team training, etc. Among them, data governance and data platform construction are two important steps for Bank of Nanjing to promote online business transformation.
Data governance
Based on the practice of Bank of Nanjing, data governance is a long-term and complex systematic project. The first step is to formulate unified data standards based on regulatory requirements, and then integrate data into enterprise common language. At the same time, data standards also help to enhance the standardization of system design and construction, and can effectively promote data sharing and improve data quality. In addition, at the business level, data standards promote a unified understanding of data information to better support business decisions. At the level of implementation, data standards are closely related to system construction. Which requires the full cooperation of business demand departments, technical implementation departments and data management departments to jointly complete the implementation of data standards in the system. Then, relying on the construction of data platform, the basic data standards are continuously optimized, and unified business analysis indicators are formulated accordingly.
Construction of data platform
In terms of platform construction, aiming at unified integration, unified standards and unified services. Bank of Nanjing has successively built a “data lake” distributed data platform. A unified data acquisition platform, a data mart, a data center and other systems to build a brand new data platform system. With functions covering data governance, data acquisition, data integration, analysis and mining, business application and other fields.
Among them, “Data Lake” distributed data platform replaces the original ODS system and becomes the new “data core” of the Bank of Nanjing. Based on the standardized external data interface. The unified data acquisition platform provides external data comprehensive service capability for the whole bank. Through data integration from the business dimension, data mart provides data support for creating professional services. And from a professional perspective. It is further subdivided into retail market, public market, trade market, audit market, supervision market, management market, branch market, operation market.
3. Sharing of business-oriented enabling cases
Keeping pace with The Times, Bank of Nanjing has continuously strengthened its fintech capabilities and innovated its business model. And has achieved breakthrough results in many business scenarios. This paper takes NCard credit card and “Xin e Partner” product as examples to share the innovative ideas of the Bank of Nanjing. Hoping to provide reference for small and medium-sized banks.\
NCard
In line with the trend of digital innovation, the Bank of Nanjing officially launched a virtual credit card — NCard. In the process of promotion, based on the latest cognition of the changes in the credit card industry. The Bank of Nanjing firmly grasped the tuyair of mobile payment, centered on the innovative idea of “intelligent. Digital and open”, broke through the limitations of the traditional physical card media and payment scene, adopted the agile team development mode. And created this virtual credit card for young consumer groups. The core positioning of NCard credit card is to make a warm, understand life, social. Accounting, more interesting credit card, and from the application of the card to the consumption of the card. Customers can directly in the wechat mini program to complete.
For example, in the application process, due to the virtualization and digitalization of NCard credit card. There is no need to wait for the physical card to activate the face to face signature. As long as the card is approved, the marketing personnel can immediately handle the face to face signature activation for the customer. And the customer can consume normally immediately after binding mobile payment. In addition, in the link of card use, customers no longer need to download a separate App. All operations can be completed in the “Bank of Nanjing NCard” wechat mini program.
文章来源：https://mp.weixin.qq.com/s/J8DDIFKE2Bg3w2erbENRMw
本文由数字化转型网（www.szhzxw.cn）转载而成，来源：中国金融电脑，作者：张银川；编辑/翻译：数字化转型网宁檬树；审核：数字化转型网默然。
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