Операторы связи, ритейл и соц.сети

1. Retail & social networks @ financial
sector
- from ICT vendor’s viewpoint
Mark Wu
CTO of IP Solution Sales Dept of EBG of Huawei
2016.10

2. Financial Business Environment in the Internet Era
20%  80%
Target
customers
Undiversified 
Multisource
Profiting
mode
Physical 
Digital
Service
channel
New comer
Basel III
Market
environment

3. YoY business growth in 2014
 Personal wealth mgmt: ICBC 25%, China Merchants Bank 85%,
Shanghai Pudong Development Bank 205%
 Consumption loan: 31.4%
 Small loan: 14.2%
 e-Commerce: CCB's Rong Shan Business and ICBC's e-ICBC
Mobile
High-Value customers  Long tail
Retail
Versatility
Fund provisioning  Rich services
Counter transaction  Ubiquitous mobile services
 90% counter-services
 China Merchants Bank: covering 60% customers
 Mobile: --- Pay
Consumption
loan
Small loan P2P
e-Commerce Financial
supermarket
Business mgmt
Free, mobile
Order mgmt
Warehouse and
logistics
Wealth mgmt
Funding and
profiting
Future Business Innovation:
Retail, Versatility, Mobile

4. Page 4
• Omni-channel coverage
 Web, Mobile, Video …
 Community branch
• More products
 Cross banks, platforms
 Marketing insight
• Service improvement
 Fast & accurate response
 Real time anti-fraud
What clients’ demands in financial sectors could
be met by the retailers?
Big Data
Cloud
Security

5. Page 5
How modern technologies which were born on the
edge of classic industries change a life and
behavior of the clients?
• Mobile finance
 Interface: Mobile, Internet, Video
 Product: Customized & rich features
 Service: Real time & efficient
Agile, comprehensive,
diversified & cost effective

6. Page 6
Retails & financial companies: competition or
collaboration?
• Battlefields
 Channel
• The director/gate of customers
 Commercial & SMB business
• Segment market
• Massive small loan
• Co-works fields
 Business
• Deposit bundle-saving
• Resell banking’s products
 Complement
• Cash, physical cards

7. Page 7
Conclusion
“The evolution of ICT technology is accelerating the transformation
of FSI service in many fields. Like channel coverage to customers
(more convenience, more efficient …), business innovation (rich & customized
products,business insight, real time risk management…), service improvement
(efficient & fast). It even helps new players into this market.
All in all, we open a new door with the help of Cloud & Internet.”