The business of financial institutions is scattered across multiple fields, with inconsistent data standards and missing data interfaces for each business segment, which directly leads to the lack of data support for risk assessment by the risk control department and the difficulty of accurate marketing by the financial management department.

Multi-sector independent management increases management complexity, decision-making processes are lengthy and slow, and business synergies are difficult to achieve.

Multi-sector independent management increases management complexity, decision-making processes are lengthy and slow, and business synergies are difficult to achieve.

The online service process is cumbersome, the operation threshold is high, the offline service coverage is limited, especially in remote areas, the service accessibility is low, it is difficult to meet the basic needs of Clients for convenient services.

For the elderly, small and micro enterprises and other special customer groups, the lack of customized service design, can not adapt to the diverse needs.

Insufficient service convenience, low demand matching and poor customer experience directly lead to difficulty in improving customer satisfaction and loyalty cultivation, which affects customer retention and long-term business development.

Financial regulatory policies continue to tighten, and institutions need to invest more resources to improve their compliance systems, directly leading to a significant increase in compliance operating costs.

Traditional wind control methods rely on historical data and conventional models, and the ability to identify new risks in financial innovation is insufficient, and the effectiveness of wind control is reduced.