digital workers? NFT? What experiments have been done in the recent corporate-backed metaverse?

On January 17, the state government recently announced that WeBank plans to launch digital label "Fuhu", War Year, on January 25. The Fuhu project is said to be one of the largest digital tags developed and exported in China.

WeBank claims to have a total of 202,200 lucky digital shows at present, and all activities such as creating, sharing, writing, compiling and querying are free trials and do not support free and paid services. With the support of blockchain technology, each tiger lucky number is associated with a unique blockchain identifier, which facilitates authentication and the fight against counterfeiting.

"Into the Metaverse"!

According to publicly available data, so-called "digital collections" are non-fungible tokens (NFTs), which are encrypted digital proofs of rights and interests that cannot be printed, compromised, or distributed as technology. blockchain. It can also be understood as a virtual "business" product created by integrating the metaverse content of blockchain technology.

Last year, when the concept of "metaverse" became popular around the world, digital scripts also became popular and at the same time attracted the interest of bank users. Before WeBank announced its digital signage, Baixin was already a proprietary bank. water test.

According to the report, on the occasion of the 4th anniversary of the establishment of Vaccine Bank in November last year, the bank announced digital letters in commemoration of the 4th anniversary of the market "The love of 4 people" and has started with two publications. Image by "AI Virtual Brand Officer". According to Chen Longqiang, chief strategy officer of Baixin Bank, the export of digital scripts is an attempt by banks to welcome the exchange.

This is also why Baixin Bank has announced its goal of “welcoming the metaverse” into China's leading bank.

chojhead bank layout

It should be noted that many banks have focused on this format since the “metaverse” strategy sector has continued to strengthen over the last half-year.

During the launch of Baidu's Metaverse product "Xyrong" on December 27 last year, the branch and Chinese joint venture Hebei Xiong'an announced the launch of the first "resolution" bank in Xyrong. On January 6 this year, Jiangsu Bank announced that it had begun to actively improve and provide financial impact to its customers by combining its energy with its own research-based energy and improvement decision-making. online finance and simple digital reasons. finance. Better knowledge of financial services.

According to Jiangsu Bank, Jiangsu Bank has been leading digital transformation since 2014, gradually exploring and implementing financial solutions such as big data, artificial intelligence, Internet of Things, blockchain and 5G. With the integration and improvement of fintech products such as human-computer interaction, financial intelligence, multidisciplinary analysis, consumer portraits, digital personnel, augmented reality. With realistic communications and 5GVolte, banks are gradually laying the foundations of their financial metaverse. Features and Support.

In addition, on January 11, the Metaverse Industry Committee of the China Mobile Telecommunications Federation announced the first recruitment round, which included Zheshang Bank of China.

According to industry analysts, the Metaverse application is still in its infancy, but the integration of VR and AR software and hardware applications as new business tools can improve the quality of customers. good idea.

"Now more and more companies are turning to the Internet, improving the efficiency and convenience of services. In the future, VR, AR, etc. are increasing. Consumers keep it." Baoxin chief economist Zheng Lei CFO said.

“Digital Employee” has become a key vector for banks to develop immersive services.

When it comes to "experience", there are now many applications in the corporate sector, as well as the role of virtual humans. In the early days of banking reporting on digital people, most of them were scammed.

However, with the growth of the Metaverse since last year, many people in the industry believe that digital people are the two main means of the Metaverse, allowing banks to become business talks with young people and providing a important document of an immersive future. a service.

In December 2021, it was announced that Jiangnan City Financial Corporation and JD Smart Customer Service Yanxi jointly developed the VTM digital staff. These digital professionals have the face of a virtual person and are able to carry out the entire process of personalization, marketing, quality of service, risk management and compliance of banking events.

Earlier, in April 2019, "AI-powered financial 3D digital man" Xiaopu was announced, and became the first digital operator of Shanghai Pudong Development Bank, and on December 17 of the same year, China Everbright Bank also announced virtual bank employees , financial. consulting .. "Sunshine Shaoz".

From the bank's perspective, digital virtual operators can interact with customers around the clock, reduce bank fees and provide better services to customers, with a significant impact on banks to reduce their future finances.

Jin Tian, ​​a senior researcher at the Digital Economy Research Institute of Zhongnan University of Economics and Law, believes that the first decision for banks when setting up a virtual agent digital is to reduce costs and reduce the risk of increased productivity.

Explore multiple parts beyond NFTs and digital people

In fact, part of the script and digital people who recently caused controversy in the bank, in the eyes of Liu Yang from the Shenzhen Banking and Insurance Regulatory Bureau, we, the national market research company Metaverse. The first is to provide marketing and marketing services related to the metaverse concept, the second is to sell high value-added products based on AR / VR technology, and the third is to develop the virtual reality industry .

Taking the example of precious metal, the company's Shenzhen-based company uses technologies such as 3D virtual display and interfaces to combine real-time metal with the real-time real-world experience of mobile phones and mobile devices. display 360 degrees in front of consumers. At the same time, it supports full service features such as multiple product views, virtual experiences and placements, online payments and shopping, and time sharing.

Liu Yang believes that in the future, bank users will be able to better understand Metaverse online applications, and banks should follow the direction of digitization and Metaverse activities to achieve financial expansion or connect with a wider clientele.

Sun Yang, a senior researcher at Suning Financial Research Institute, also said that the metaverse could change the future of banking in the financial market, inexperienced financial consumers, incredible, and the creation of real financial products.