最有看点的互联网金融门户

最有看点的互联网金融门户
专栏国际资讯

巴克莱银行怎样看待金融技术的未来?

近年来,对金融技术的兴趣突然高涨起来。银行业应对金融技术入侵的一个方法是同新创企业接触,为其老旧的组织带来新鲜的思维模式。

巴克莱银行利用其加速器项目,实时监控金融领域前沿技术,为新创企业提供最有价值的信息和经验。

帮助巴克莱银行进入电子化时代的正是首席设计与数字化长官Derek White。这次,他就金融技术如何发展,以及巴克莱这样的银行怎样最有效率的利用金融技术,给出了他的的意见。

问题:人工智能怎样能同金融技术结合起来?

Derek White:目前,人工智能已经在某些金融技术领域得到了应用,比如客户服务中心,或者在线上为顾客计算挑选产品等等,但是最核心的应用还没有到来。

随着人工智能逐渐推广,消费者也逐渐适应了这些视觉和声音的应用,人工智能在金融技术领域的发展潜力巨大。

那么金融科技是否会成为人类与电脑互动的下一个发展阶段?我们一直对此表示密切关注。

起初人工智能的作用可能只是协助开户或者账户服务,但是慢慢地它就会深入到你金融生活的方方面面。

比如,现在在银行开户就已经可以通过远程声音操作完成了。

现存的这些服务都是为了延长你的金融寿命:不管你用钱来做什么,比如投资、购物、研究、汇款,还是相关的拓展服务,最终都会用来投资你的兴趣。

银行过去是商业和个人发展的中心。回到商业和个人金融生涯的中心,也是我们持续努力的方向。

问题:如今金融科技发展一片繁荣,然而银行的发展步伐却显然比新创企业慢得多——到底有多少是因为银行臃肿的结构,又到底有多少是因为银行同监管方进行有效协商?

Derek White:监管当然重要,但是监管绝对不能成为创新的阻碍。比如,一些新创企业在监管结构下依旧运转良好。

目前来看,支付和借贷方面发生的变化最多,那是因为比起金融业的其他方面,支付和借贷受到的监管更少。但是在大公司,也确实有创新在发生,在构建金融技术的未来方面,特别是那些期待越来越希望创立自己未来的公司,而不是仅仅像新创企业一样,改变未来。

因为公司中肯定有人有比较好的创意,把这些创意转换为客户所需的产品,这真的是一件激动人心的事情。

这正是在大公司发生的事情。当然有机会能够使提取创意这部分变得更好,比如巴克莱银行的50家自主经营的新创企业在做那方面的工作。

问题:参与像巴克莱银行的加速器项目,有什么好处呢?

Derek White:我听说,全球已经有超过900家协同合作的加速器项目。巴克莱银行项目的独特之处在于我们积极地分享我们的策略;对于我们的问题和挑战,我们邀请新创企业参与进来,同我们合作解决这些问题。

我们主要通过三种方式帮助新创企业:

首先,为他们提供匿名数据,帮助他们建立公司。

其次,提供设计协助。我们有一个250人的内部设计团队,能够积极地帮助新创企业改良他们的组织形式,帮助他们找到业务重点,以人为本的设计正是这些新创企业的未来。

最后,我们也提供框架分析,帮助他们创立核心技术,解决怎样最好的应用技术,他们构建的技术是否值得销售的问题。

问题:有没有什么领域是金融技术还未全面进入,但是未来可能实现发展的?

Derek White:对于金融技术的未来,我们有非常不同的计划。虽然现在还不能公开,但是可以确定的是新计划是与平台、网络和市场有关的,和传统银行业并无关系。

值得注意的是,金融技术已经从闭合系统进入到开放系统,从封闭市场变成开放市场,从封闭创新变成开放创新。

传统的从业人员必须承认,他们本身并不能对所有的东西进行创新,他们必须同新创企业进行积极的合作,共同创造一些开放的打破格局的东西,那就是现实存在的东西,那就是我看到的金融技术的未来;将传统从业者的关注点同打破格局的新创企业在创造中联系起来。

问题:你怎样看待现在的金融技术热逐渐冷却呢?

Derek White:未来7年左右并不会发生这样的情况。虽然现在市场存在一些夸大宣传,资本投入方向也并不明确,但是机遇重重的现实却是不能否认的。我们相信,这其中会有很多人取得成功,会首先成为打破行业格局的人,成为最初的转变者,成就下一代新想法。

很明显,我们希望我们能够创造下一代新想法,我们欢迎新创企业,也欢迎格局被改变,因为这能够帮助我们在竞争中处于优先地位。

As the interest in fintech has skyrocketed in recent years, one of the ways that banks have kept a handle on the disruption is by engaging with startups to bring new thinking into their old organizations.

Barclays have done this with their coveted accelerator program, which allows the bank to keep an eye on the hottest technology in the financial space, and allows the startups to gain valuable knowledge and experience from the bank.

Helping Barclays into the digital age is Chief Design and Digital Officer, Derek White, who sits down  to give his views on how fintech is progressing, and how banks such as Barclays can utilize it most effectively.

Q: How can AI become integrated with fintech?

DW: AI is used today in some areas of fintech: in call centers, in algorithms for aligning best suited products for customers online, but the real advent is yet to come.

As greater consumer adoption of AI is used in other aspects of their lives and they become increasingly comfortable with avatars through a voice and through a visual, greater opportunities will arise for AI in the future of fintech.

Is it potentially the next step of human’s interaction with computers? We see it as a very interesting field in and an area that we’re looking at.

The very basic elements of how AI can help any organization is through account opening, through servicing your account, but then it gets very rich when you start to look at how you can make that interaction with your financial life more engaging.

Just looking at the traditional banking products, the traditional account opening processes and experiences that banks do today, can be assisted with voice-enabled interaction with computers.

The really exiting stuff is around extensions of your financial life: everything you do with your money, whether its investing, whether it’s buying, whether it’s researching, whether it’s sending money, extensions of that, and then into your hobbies.

Banks used to be the very center of growth for businesses and for individuals and that’s what we’re increasingly trying to do, get back into the center of their financial lives.

Q: The banks have obviously moved a lot slower than the startups during the current fintech boom – how much of this is down to the size of the banks being unwieldy, and how much of this is down to not being able to negotiate regulation quickly enough.

DW: Regulation definitely comes into play, but it isn’t by any means a barrier to innovation and creation. Many of the startups are operating within a regulated framework.

You see a lot more interaction happening within the payments and lending space because that’s less regulated than other aspects of the industry, but there’s innovations that’s happening in big organizations, creating the future of fintech, especially as those organizations are increasingly looking to create their future, not just change their future as they work like startups.

Taking ideas from someone’s head, because there’s a unicorn in someone’s head in an organization, and pulling that unicorn out and translating that idea into something beautiful for a customer, that’s what’s exciting.

That’s happening right now in large organizations,there’s an opportunity for that to get better, but we at Barclays have about 50 startups that we’re running that are working at that pace.

Q: What are the advantages of coming through an accelerator like the one at Barclays?

DW: I’ve heard there’s up to 900 co-working accelerator programs globally. What’s unique about the Barclays accelerator is that we actively share our strategy; our problems, our challenges and we invite startups to come in and solve those problems, co-creating with us.

There’s 3 main ways that we help out startups: firstly, by providing them access to data that is anonymized but helps them build their business.

Secondly we help them with design. We have an in-house design team of 250 people that are actively helping the startups refine their story, where they should be focusing, and human-centered design that’s the future of their business.

Finally, we also do architectural reviews to help them on their core technology, how are they best using technology, and is that technology that they’re building on saleable.

Q: Is there an area that Fintech hasn’t engaged with fully yet that it could grow into?

DW: We have a very different model for the future of fintech that we’re not sharing with the public yet, but sufficed to say it has to do with platforms, networks and marketplaces, not traditional banking.

It’s about recognizing that fintech is moving from closed systems to open systems, closed marketplaces to open marketplaces, closed innovation to open innovation.

Heritage players have got to recognize that they don’t have innovate everything themselves, heritage players can work with startups in active and open disruptive co-creation and that’s what’s really exiting, that’s where I see the future of fintech; the convergence of heritage players with disruptive startups in co-creation.

Q: Do you see the current fintech boom slowing down?

DW: Not for the next 7 years or so. There’s a lot of hype and there’s a lot of capital being sloshed about, but that’s a lot of bets and some of those are going to pay off to be fundamental disrupters of the industry, fundamental changers, and the next unicorns.

Obviously we hope that we’re the creator of the next unicorn, and we welcome the startups and the disruption because it helps us up our game.

本文系未央网专栏作者杨玉颖发表,属作者个人观点,不代表网站观点,未经许可严禁转载,违者必究!


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  • c
    csj_9_9在 2015/10/05 09:38回复

    学习了,看好金融市场

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