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Recently, NTTDATA, a subsidiary of the world ’s telecommunications giant NTT Group, has launched a new generation of process banking solutions. The solution is composed of a front office branch terminal system and a back office business centralized processing system. Using the cloud computing concept, through the background business centralized processing center, it can support the business processing of all branches in the bank at the same time, which can greatly improve the bank's business processing efficiency, prevent financial risks, and promote the scientific transformation of bank outlets.
"Process bank" is a brand-new bank management model vigorously advocated by regulatory authorities in recent years. In the "Guidelines for Financial Innovation of Commercial Banks" issued by the CBRC, it is clearly stated that commercial banks should optimize their internal organizational structure and business processes to form a business operation structure with perfect front-end marketing service functions, strict control of risks in the middle office, and strong back-end guarantee support. Combined with the actual situation of the Bank, reduce the management level, gradually transform the existing "departmental bank", establish a "process bank" adapted to financial innovation, and realize the separation and effective coordination of the front, middle and back office. It can be said that building a "process bank" with a high starting point and high standards is a guarantee for effective integration and realization of development strategies.
Process banks solve the problems facing commercial banks through business process, centralized processing, professional operation, and standardization. Focus on process optimization to achieve advanced and efficient banking operations, help banks achieve financial transaction risk prevention, resource optimization, business processing cost reduction, improve operational efficiency, improve customer experience, effectively improve customer-centric innovation services, and improve the brand image , Effectively enhance comprehensive competitiveness.
The process banking solution helps banks to optimize business processes through visualization of business efficiency. Specific advantages and characteristics:
Mature solutions provide stable, efficient and quality services
(1) Reduce the amount of business to be handled by outlets
(2) Reduce the burden of teller business
(3) Shorten business processing time
(4) Effectively prevent unauthorized transactions
(5) Timely discovery of unauthorized transactions
2. Improve the internal management efficiency of outlets
(1) Contribute to continuous improvement of business processes
(2) Strengthen the supervision of violations
(3) Realize the optimal allocation of talents at outlets
The expected effect after the introduction of this solution system:
1. Simplify the front desk
Improve business processing efficiency, reduce customer waiting time, reduce personnel costs, and promote the transformation of outlet model to marketing outlet.
2. Scientific operation
The management is flat and professional, clearly defines the responsibilities of each position, and maximizes the benefits in daily operations.
3. Efficient background
Centralized processing of non-customer-facing transactions, through the integration of front-end and back-end business processes, to achieve efficient business processing.
4. Control risks and reduce costs
Sharing cloud computing services, providing standardized technology and equipment, achieving low-cost operation of outlets, and scientific separation of business processing to strengthen internal risk control.
At present, among 106 national local banks (city commercial banks) in Japan, there are 25 NTTDATA business centralized processing center systems introduced, with a market share of 24%; a total of 272 Japanese credit vaults and 96 business centralized processing center systems have been introduced. The market share reached 35.3%; the network equipment developed by NTTDATA accounted for about 40% of the terminal equipment of the business network outlets of financial institutions in Japan.
In order to adapt to the ever-changing market environment and realize the grand blueprint of future banks, NTTDATA relies on the rich technology and industry experience accumulated in Japan for many years and combines the characteristics of the Chinese market to develop products that best meet the needs of the Chinese market. The process banking solution will rapidly expand in the next three years and has good market development prospects. NTTDATA is also actively negotiating cooperation issues with many domestic local companies, and is working hard to improve bank information services and build China's high-level process banks.
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