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from the perspective of digital technology, digital transformation has brought new opportunities for banks. the increasing support at the national level has promoted the widespread application of digital technology. with the rapid development of digital technology, many new business models and service models are emerging. for example, by implementing digital solutions, banks can accurately portray customer portraits and customize personalized service solutions according to customer needs, thereby improving customer experience and business efficiency.
the development of digital technology has brought many new possibilities, but it also faces huge challenges. on the one hand, the acquisition cost of technical personnel is high, and a large amount of capital and human resources are needed to cultivate talents, which is a huge challenge for banks; on the other hand, as technology continues to develop, banks need to continue to learn and adapt in order to stand out from the competition.
a leader in charge of inclusive finance at a provincial branch of a state-owned bank told reporters that the digital transformation plan of his branch has been implemented. the investment in software, external data procurement, and system development has reached about 40 million yuan per year, but the total revenue has reached more than 30 billion yuan. the cost and benefit ratio is 1:1000, which shows that the application of digital technology has brought huge benefits.
another leader shared some of the challenges encountered in his bank's digital transformation plan and demonstrated the role of digital technology in improving business efficiency and customer experience through case analysis. he said that through digital solutions, banks can provide precise services and reduce costs, thereby improving market competitiveness.
the digital transformation of banks is not only about reducing costs, but more importantly, it is about improving business efficiency and enabling future development. the encouragement of national policies, technological advances and changes in market demand are jointly driving the digital transformation of banks, which will bring more opportunities to banks and promote the overall development of the financial industry.
