What are the practical significance of Shanghai “unmanned banks”?

Recently, the Shanghai No. 1 Bank of China Construction Bank, which is located at No. 303 Jiujiang Road, Huangpu District, Shanghai, officially opened. The Construction Bank has eaten the “first crab” in Shanghai. Other banks will also arrange their own unmanned banks in other places. In the AI ​​era of the bank, they will step into social life ahead of the 5G.

This is not a violation of the newcomers who are used to "brushing their face" and "finger". People in the IT era have become accustomed to the lifestyle of wireless terminals—convenient, efficient, and less socially anxious. From the consumption of the wireless era to the financial of the unmanned era, it has the characteristics of compressing time and space - people can hardly imagine that the lifestyle has evolved to the point of sci-fi, even if the young people deeply integrated into the informationization, did not think that the AI ​​era came so fast.

There is no one teller, no security guard, no lobby manager, consumers can complete the entire business process by brushing their faces, verifying ID cards and interacting with robots. The financial institutions that have always been banned have no-banks, which magnifies the public. Amazed. Not only that, but unmanned banks also integrate the ecosystem of banks, libraries, game halls, and supermarkets. People no longer have to wait in line for anxiousness, and they will not release grievances on VIPs and ordinary windows. They will not serve the counter. The quality is low and the fire, of course, will not be worried because of the banker's rough mistakes... If the unmanned supermarkets in some places are a market gimmick, now the unmanned banks bring people a shocking experience.

Advances in technology have made people's lives easier, but they have also brought a sense of crisis to related industries. This is the dialectic of human society and the driving force behind the renewal of social ecology and industrial models. This dialectic is too macroscopic and has a metaphysical philosophical meaning, and people are concerned with reality. There are three practical meanings of unmanned banks:

First, it has an adverse effect on the reform of the banking industry. Preventing financial risks is a key task for this year and in subsequent years. Internally, the financial system mechanism is facing structural and systematic reforms, and various regulatory initiatives will become more stringent. The traditional financial system mechanism must be supplemented, and the financial governance in the era of big data should be improved. On the other hand, the financial openness is getting bigger and bigger, and the Chinese banking industry is facing all-round competition in both domestic and foreign markets. The times when major banks “hidden into small buildings and became unified” have never returned, and face the AI ​​era with global financial institutions. Coupled with the acceleration of the internationalization of the renminbi and the goal of the renminbi becoming a global currency, the Bank of China must have global competitiveness. This is the requirement of the times and the mission of the bank. Mobile payment in the IT era has forced Chinese financial institutions to accelerate reforms. The AI ​​era has prompted major banks to accelerate their pace of keeping up with the times and leverage technology to achieve cornering overtaking.

The second is to bring a deep sense of crisis to the bank's employees. Unmanned banks, as the name suggests, have greatly saved human resources, robots have replaced people's work, and "robot robbing" has become a reality. All previous industrial revolutions have faced the sense of crisis in which the machine has won people's jobs. Literature and film and television works also have descriptions of disasters caused by excessive use of robots. However, only by adapting to new technologies and a new era can human society progress. How big is the impact of unmanned banks on banking practitioners? If an unmanned bank replaces one-third of the physical bank, the bank will lay off a large number of people. How to deal with the layoffs brought by unmanned banks not only gives the bank employees a sense of crisis, but also the banking industry and related functional departments must be prepared in advance. In the past few industrial revolutions, people have dealt well with the problem of people and machines rushing to eat (of course, there are conflicts), how to solve the relationship between people and robots, and test people's wisdom.

Third, the test of the AI ​​era is all-round. From the government to the society to the market, the production methods, lifestyles, consumption patterns, etc. will all undergo revolutionary changes. It is not a question of whether the AI ​​era is good or bad, but it must face the AI ​​era and conform to this new technological revolution. Unmanned banks may be just a small test in the AI ​​era, and unmanned driving will become a reality. Therefore, the traditional governance model needs to be updated, and people's way of thinking must be followed up. More importantly, humans do not have to be too anxious about the AI ​​era. After all, both the machine and the robot are the result of the crystallization of human wisdom and the development of science and technology. The result of human wisdom is to satisfy people's needs for a better life, but not to be the master of human beings.

Unmanned banks are coming, the AI ​​era is accelerating, and we should be brave enough to face the new technological revolution.

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