Sou Hu Cai Jing·2025-06-16 01:06Core Insights - The report emphasizes the urgent need for digital transformation in the banking sector, shifting from a passive "sitting merchant" model to an active "walking merchant" approach in response to the digital economy [2][21] - It outlines the construction of an enterprise-level digital operation platform as a comprehensive solution to enhance customer engagement, operational efficiency, and service quality [1][21] Group 1: Challenges Facing Traditional Banks - Traditional banks are facing three major challenges: declining branch efficiency, increased difficulty in user acquisition and retention, and a lack of focus on user experience during early digital transformations [2][20] - The report highlights that the reduction in branch numbers and transaction volumes indicates a shift in customer behavior, necessitating a reevaluation of traditional banking models [2][20] Group 2: Data-Driven Operational Models - The SDAF model (Sense-Decision-Action-Feedback) is introduced as a framework for creating a business closed loop centered around data, enhancing customer insights and operational strategies [3][28] - The STCDAF model, developed by ICBC, adds "Target" and "Cost" dimensions to the SDAF model, focusing on maximizing resource efficiency and aligning with banking business characteristics [4][28] Group 3: Building a Digital Operation Ecosystem - The report identifies six key capabilities for digital operation: customer insight, product recommendation, activity organization, channel reach, departmental collaboration, and data support [5][25] - A robust technical architecture is proposed, emphasizing agility and security through a microservices framework and real-time data collection [6][25] Group 4: Organizational Support for Digital Transformation - The report stresses the importance of a market-sensitive and talent-diverse organizational structure to support digital transformation, advocating for enhanced collaboration across departments [7][25] Group 5: Practical Case Studies - The "Zhi Ke" platform by ICBC exemplifies successful implementation of the STCDAF model, facilitating intelligent operations and supporting various marketing needs across multiple channels [8][10] - The "ICBC Consumption Season" initiative demonstrates effective consumer engagement through a digital coupon distribution platform, significantly boosting transaction volumes and customer interactions [10][11] Group 6: Future Outlook - The report anticipates continued advancements in digital operation platforms, focusing on optimizing processes, enhancing user experiences, and fostering organizational collaboration [11][21] - It highlights the transformative potential of data-driven, intelligent operations in reshaping financial services to better meet user needs and support economic growth [11][21]