The word "metasomes" is most commonly associated with a series of sci-fi movies such as "The Matrix", "Avalanche" and "Ready Player One". In the movie "Ready Player One", people can enter a virtual world "oasis" through VR glasses. It's a world of bustling cities, glamorous players, and classic characters from video games.
Clearly, this entertaining, game-like meta-universe is a great way for people to escape the chaos of the real world. The VR goggles, tactile gloves, motion-sensing clothes, and motion-sensing seats in this movie give players a very real experience.
01 The application and practice of banking metauniverse
2021 is known as the first year of the metasomes, and many banks have begun to explore the metasomes. So far, nine banks have "explored" the metasomes, and some banks have started to implement related projects. At present, the main applications and services mainly include digital employees (virtual digital people), digital collections and the construction of metauniverse business hall, providing its customers with immersive financial service experience.
In November 2021, Baishin Bank released the digital collection commemorating the fourth anniversary of "4 in Love" to the market, and launched the "AI Virtual Brand Officer" with a two-dimensional image. In December of the same year, AIYA, the "AI virtual Brand Officer" of Baishin Bank, officially took office.
Shape with strong technology and fashion sense of virtual IP, baixin Banks focus on AI yuan universe digital people, immersive experience, and digital assets based on block chain, at the same time, ningbo Banks RMB was the first to apply for the trademark registration, including the "bank of ningbo yuan universe" universe "huitong yuan" and so on, the international classification for the financial management, communication services, etc.
At the same time, some major Internet companies are beginning to explore the use of "metasurses" in office Settings, such as virtual meetings in a conference room. There is no limit to distance in meetings, and remote but "face to face" communication with colleagues anywhere in the meta-universe. Behind each virtual character, there are real users. The meeting scene is virtual, but the content discussed in the meeting is real, which connects the virtual and the real.
02 Exploration in the direction of banking meta-universe products
In the past, you had to go to offline branches to handle deposit, loan and foreign exchange business. However, with the development of mobile banking, you only need to open the APP to complete a series of tasks, and the efficiency of capital flow has been greatly improved.
The advent of mobile banking, it is not simply has returned to the offline business online, but a process of change, the efficiency of the arrival of the universe, and in the yuan will also push for mobile banking towards higher efficiency, customer demand to the extreme, the Banks "loan transfer" core functionality into customer life scenes, such as no perception of integrated financial services.
1. Customer orientation
The problem existing in real banks is that the cost of acquiring customers is high, and the difficulty of acquiring customers is difficult.
Such as customer manager to pull deposits and loans need to constantly visit, clients to establish friendly relations of trust, the cost of manpower and material resources for guest, and Banks to join yuan after the universe, the user in the virtual world, games, entertainment and social interaction scenarios, generating cash flow, bank in yuan in the universe can ACTS as a medium of exchange, the user can in yuan universe bank opens an account, In the real world, users also have real account mappings. At the same time, users' real world bank funds can also be circulated in the metasverse.
2. Immersive experience direction
Bank 4.0 mentioned a core sentence: "Goodbye, product; Hello, experience. "Metasurverse Bank is a deeply immersive experience.
Imagine customers conducting financial transactions in the metasomes, where gamified payment and financial transactions are carried out. If you ask customers to input their name, mobile phone number, ID number, card number and other information in the metasomes, customers will turn around and leave. Therefore, in the meta-universe, it is suggested that identity verification can be carried out through hardware chips, insensitive account opening process can be developed, face recognition, protocol confirmation can be smoothly implemented in the way of games.
In the meta-universe, account managers interact with customers as if they were playing a game. As long as the interaction is good, savings may not be a problem.
At present, customers of the bank often send wechat messages, make phone calls, visit customers and so on to attract customers. If the gamification interaction of the meta-universe can be used, the interaction between customers and account managers will be enhanced and customers' understanding of you will be increased. For example, in the virtual world, we accompany customers to the seaside in Mexico to watch the sunset, to climb Mount Qomolangma, to see the Potala Palace in Tibet, and to listen to the virtual singer concert with customers... . Over time, customers will be relieved to deposit.
3. Digital collections
The popularity of the metauniverse concept and the serious homogeneity of financial institutions' products make each institution want to stand out in the competition of product differentiation, and the virtual world constructed by the metauniverse becomes the competitive possibility.
No matter state-owned banks, joint-stock banks, or small and medium-sized banks, digital transformation has become a strategic point to improve service quality and efficiency, and the development of the universe provides new soil for the financial field, digital staff, digital collections, etc.
Many banks issue their own digital collections. One is to attract more C-end users through new products, so as to integrate with other credit and financial management to improve user stickiness. The other is that institutions expect their own brand premium. However, digital collections are at the initial stage of exploration, facing many uncertainties. Many banks say that digital collections have unique identification and cannot be tampered with. They do not support secondary transfer to a third party and refuse any form of speculation.
Opportunities and Challenges 1. Weak technology base
Compared with the operation mode of traditional banks, meta-universe Bank is a completely new ecological and interactive mode, and banks will encounter many difficulties in setting up scenes. Although there are many scenarios that can be mined, such as virtual business halls, digital collections, digital marketing, etc., the technical foundation of the banking system is slightly weak, such as AR/VR technology, blockchain technology, 5G technology, etc. Besides, the head Internet technology companies are also in the preliminary exploration, so it may be difficult for c-end users to perceive the new scenes. The lack of consensus, both technological and cognitive, has dampened metauniverse's growth.
2. Business risk and compliance
Bank is not open around the topic is always the risk and compliance, yuan universe originates from the concept of literature and science fiction, so far no definite concept to explain the word, mostly parallel to the virtual world of the real world, the concept of uncertainty, risk uncertainty, coupled with the financial institutions operating in the process of itself has a lot of uncertainty and complexity, It certainly adds another layer of obstacles to the development of Metasurverse Bank.
At the same time, the construction of metauniverse Bank integrates a variety of emerging technology elements, network security, data security, identity authentication, transaction security and so on are unknown, which is a great challenge for the bank.
3. Profit model
At present, the application of metasurverse in the banking industry is mostly a personalized project established for a certain scenario, with high cost and poor reusability, which is difficult for C-terminal users to accept. The meta-universe itself is a vague concept, so the goal and profit model of the meta-universe bank and the meta-universe are also more vague. If only from the perspective of immersive customer experience and image IP, it is difficult to bring a certain profit value to the bank. From the perspective of scene innovation, reusability and cost reduction, Metauniverse Bank needs to create a new business model, which may stand out in a new round of competition.
Even though we face so many unknown and challenges, we must believe that the future of the bank will be long and obstacles, and the line will come, and the line will not stop, and the future can be expected.