摘要
从银行业发展视角提出了对数字化转型定义,分析了市场中有代表性数字化转型模型,描述了银行在数字化转型实践中多种策略特点,并以德意志银行在中国金融科技实践进行具体分析。阐述了德意志银行在中国数字化转型的具体实践内容,分析了BLUE WATER SPACE战略意义与功能,指出升级后的德银金融科技实验室是边缘创新的成功事例。德意志银行(中国)基于发展服务提出的建立开放式银行、提升客户服务水平、拥抱先进数字技术三者协同的数字生态共生发展战略,对于我国国有商业银行的数字化转型具有参考价值。
This paper presents a definition of digital transformation from the perspective of banking industry development,analyzes representative digital transformation models in the market,describes various strategic features of banks in digital transformation practice,and provides a specific analysis of Deutsche Bank(DB)′s fintech practice in China.Additionally,this paper illustrates the specific content of DB′s digital transformation practice in China,analyzes the strategic significance and functions of BLUE WATER SPACE,and points out that the upgraded DB fintech lab is a successful example of edge innovation.The digital ecological symbiosis development strategy of establishing open banking,improving customer service and embracing advanced digital technology,which is proposed by DB China based on development services,has reference value for the digital transformation of state-owned commercial banks in China.
作者
王大刚
滕德群
Wang Dagang;Teng Dequn(Digital Finance Postdoctoral Station,Universität Bayreuth,Bayreuth 95444,Germany;Center for Digital Finance and Digital Belt and Road Research,Institute of Artificial Intelligence and Change Management,Shanghai University of International Business and Economics,Shanghai 200336,China;Institute for Manufacturing,University of Cambridge,Cambridge CB21TN,the United Kingdom)
出处
《信息技术与网络安全》
2021年第7期12-18,共7页
Information Technology and Network Security
基金
2020年中国-中东欧国家高校联合教育项目“数据跨境流动治理技术与方法研究”(202033)
国家自然科学基金中德合作交流项目(GZ 1570)Sino-German Research Network:Digitalization and Aging
上海对外经贸大学人工智能与变革管理研究院(数字金融与数字一带一路研究中心)与德意志银行中国公司(上海)合作课题“德意志银行数字化转型案例研究”。
