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Teradata Vantage如何为银行带来颠覆式的创新

Teradata Vantage如何为银行带来颠覆式的创新

香港汇丰银行有成百上千个传统的商业银行客户。从1970年代开始,随着业务在香港及其他地区的发展,汇丰银行就帮助客户创建了这些账户。在汇丰银行注册银行账户的好处是,可以由此享受便捷、快速、可靠的资金转移服务。

而一些金融研究机构调研报告显示,现在汇丰银行商业银行业务的账户实际上是一些家族所有的账号,他们已经不再活跃地进行业务相关的贸易交易。通常来说,这些账户都是家族的第二代、第三代成员管理的,主要用于财富管理和投资使用。

然而,还有一些账户依然在资本市场进行着活跃的交易,例如股票和交易型开放式指数基金(ETF)等,这些交易标的比起其他的天然敏感性就更高;而另外也有用于交易如政府债券等固定收益产品的账户。那么,要怎么判断是否需要为客户配置一个客户关系管理经理呢?汇丰银行要如何更加了解客户,从而再要求销售人员去接触那些也许没有得到足够服务的客户呢?

Teradata Vantage就是解决方案。高级SQL/机器学习/图表引擎是Vantage这个颠覆式创新平台为高级管理人员提供的几项能力,他们可以使用Vantage平台来探索市场,了解应该向市场提供哪些金融产品。

 未来的机会就在于创造新的需求和新的市场细分:
  • 通过拓宽新产品范围(机器学习),提供更多的投资级产品
  • 通过强化风险管理服务(大数据分析),提供更好的客户财富投资组合管理
  • 通过自动化信用评分中心(AI),提供及时的客户信用评分
  • 通过战略资产配置模型(图表引擎),支持更高级的投资决策
金融科技对于业务拓展和收入增长而言非常必要。此外,交易成本也会因为数字化转型而大幅降低。Teradata Vantage能够帮助银行进入到数字化转型的新时代中,带来全新的增长机会。
Portrait of Teddy Chiu

(Author):
Teddy Chiu

Teddy began his career as an Information Management Trainee at Cathay Pacific Airways in Hong Kong. After four years of learning the airline industry, he joined Misys as a Technical Consultant and supported the investment banking business. 
 
Teddy earned a Masters of Information Management in 2003 and joined CLSA (Broker-Dealer) the same year in Hong Kong and then moved to Singapore in 2006. With his business transformation skills gaining from CLSA, he was hired by Credit Agricole CIB Japan in 2008 as a Programme/Project Manager to support the F2B Digital Transformation Programme and partner with the COO for setting up and running the all new back office in Tokyo with the objective of acquiring a new stock broker licence in the Tokyo Stock Exchange by 2013. After relocating back to Hong Kong in 2014, he held some senior business management and transformation positions in COO teams at JPMorgan, HSBC and AIA. 
 
In 2018/19, Teddy obtained the Certificate of Oxford Fintech Programme. He is so excited to be a part of Teradata as he can pursue more in the Big Data era. 
  View all posts by Teddy Chiu

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