Development Problems And Strategies Of Hubei NX Wisdom Bank

With the vigorous development of Internet Finance and the quietly rising of sharing economy,the business model of heavy assets of commercial banks has been strongly impacted,and the trend of financial disintermediation has been intensified.It has become a common choice for all banks to realize transformation and upgrading.With the development of big data,cloud computing,artificial intelligence,Internet of things,blockchain,biometrics and other cutting-edge technologies,smart banks are regarded as the mainstream direction of innovation,development,transformation and upgrading.As one of the pioneers,NX bank has initially established an online and offline mutual aid external service network by expanding e-banking channels,building its own e-commerce platform,building intelligent outlets,increasing the layout of self-service equipment and other measures.Because of neglecting the requirements of smart banks on the core competitiveness of banks,such as internal data support ability,technological innovation ability,channel expansion ability,and fine management ability,there are some problems to be solved in the development process.This paper takes NX bank as the research object.Firstly,it introduces the basic situation of NX bank,and analyzes the necessity of implementing smart bank network transformation from policy,economic,social and technical aspects by PEST method.Then it analyzes the competitiveness of NX bank in implementing the construction of smart bank outlets by using SWOT method.Starting from the current advantages and opportunities,it focuses on solving the problems of short board and external threats in the construction process of smart bank.Based on the customer relationship theory,it puts forward multi-dimensional measures to improve customer experience,improve customer recognition,satisfaction and stickiness of NX bank To expand customer sources by means of marketing promotion;to use blockchain and Internet of things technology to strengthen risk control,prevent new risks and ensure the safety of funds and information;to strengthen organizational promotion,increase financial support and provide personnel security and other practical suggestions.The proposal and practice of smart banks provide clear ideas for the transformation of commercial banks.This paper attempts to provide useful reference and reference for domestic commercial banks to develop smart banks through the case study of NX bank's smart bank construction.