摘要
消费金融风控的核心是真实场景真实意愿,信用卡大额分期传统营销方式是客户经理实行线下三亲见,手段稳妥但瓶颈在于客户经理的时间被大量占用,且线下往返劳顿,导致审批流程长客户体验欠佳.消费习惯的改变、效率提升需求和新技术共同促成了业务革新,融合远程面签、风控大数据核验、电子签名、视频双录技术以及引入辅销机构参与营销的新流程,满足监管,并有效节约了客户经理的时间,已经在营销实践中产生了积极成果.
The core of consumer finance risk control is the real scene and real willingness,and the traditional marketing method of credit card large-amount installment is that the customer manager implements three offline personal interviews,the means are safe,but the bottleneck is that the customer manager’s time is occupied,and the offline round trip is laborious,resulting in a long approval process and poor customer experience.The change of consumption habits,the need for efficiency improvement and new technologies have jointly promoted business innovation,integrating remote interview,risk control big data verification,electronic signature,video double recording technology,and introducing auxiliary sales agencies to participate in the new process of marketing,can meet the supervision and effectively save the time of customer managers,which has produced positive results in marketing practice.
作者
谢前辉
赵伟成
Xie Qian-hui;Zhao Wei-cheng(Beijing Youzhai Technology Co.,Ltd.,Beijing 100000,China)
出处
《科学与信息化》
2023年第1期154-156,共3页
Technology and Information
关键词
三亲见
远程面签
风控大数据
电子签名
信用卡分期
three personal interviews
remote interviews
risk control big data
electronic signatures
credit card installments
