In the perspective of software development practitioners, the innovation is divided into two: one is related to the software development technology innovation, especially in the field of big data and AI this rapid development, technological advances and the need to maintain the same frequency; and another innovation is related to the company's business, we continue to use technology to achieve automation, intelligence, standardization, improve business service capabilities and user experience.
But for many technical people, often indulge in technological innovation or business optimization, new technology trends imposed on business, or stick to stereotypes rejected some new and effective technology solutions. But the real innovation is in the rational thinking, the most appropriate technological solutions used in the place that best enhance the customer experience, and to have all the technical innovation enabling business objectives.
The interview, CreditEase Technology Center - Data Intelligence R & D Zhang Jun, head of the teachers focus on "enabling business for the purpose of technological innovation," the theme to talk with you "through practical experience in technology-enabled business" together, and "how rational view of the relationship between technological innovation and business development."
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Reporter: The first question I think we still combine your work now, starting with the technology practice of letter should start chatting about it. It is reported that the smart data in your R & D department is currently listening has developed intelligent decision-making platform, anti-fraud algorithms and other products and projects please you with one of the products as an example, these platforms which are applied to the business scene? How's the effect?
Zhang: I am responsible for research and development of intelligent data mainly do two types of work:
A type of work is a universal type of technical services, including credit data collection, processing and finishing provided, as well as the data used in decision-making areas, providing policy and give risk management and deployment model-based decision-making platform listening. Such work is the technical basis for the healthy operation of the business, it has now become an important business infrastructure of many companies.
The other is to work smart algorithm to businesses, to help businesses improve efficiency, these intelligent algorithm is applied in all key aspects of business, including marketing, credit evaluation, fraud detection and so on.
The second type of work is to use technology to make data more valuable, so as to enhance the efficiency of the well reflected. In the marketing aspect, we use the algorithm dig out from the mass of clues to potential customers high intention, providing clues to high-value business; on fraud detection, into every sum of our parts, will likely be detected by anti-fraud algorithms fraud points, compared to artificial judgment, it is more comprehensive and more efficient, which can ultimately improve the quality of the assets. In addition to this technology to improve efficiency, additional benefit of avoiding operational risk caused by human intervention.
Reporter: In the letter should practice technology, the launch of a new product or technology projects of common motives and background of what? Is based on existing and future business development needs to layout, or technical department to innovation based on technological development? Can you an example of technological innovation ideas referral Shao Yixin.
Zhang Jun: Yixin is a financial technology company, customer-focused, through the provision of financial products and services to meet customer demand, is the essence of our business. CreditEase by the innovative application of technology to business, to provide customers with better financial products and services. From this point of view to understand the motivation to initiate new technology products and projects must be from the needs of the business, development and the future layout.
Of course, because the business is growing, but the fundamental purpose of innovation is to solve business needs and problems, and therefore also in the technology itself with the development of business and evolving. After some initially just to meet the needs of a particular business point of research and development of technology, the technology sector colleagues to have more understanding of the business itself and accumulation, will be abstract, refined and extended to develop into a very innovative Technology. So, not so much a technical project is designed, as it is with business development and evolution out.
Take development platform "listening" to decisions, for example, a few years ago, demand for business colleagues only: execution process in the system for risk control risk rules. At the time of the technical solution, the technology sector colleagues used a set of on-line business rules engine platform to achieve risk rules. With the continuous development of business, as well as new product design and testing, use of commercial rules engine program is facing more and more problems, such as the deployment cycle of new risk rules on the line is very long and error-prone; new products rely on more replacement data, and use the data in the commercial rules engine is very difficult.
In this context, the proposed technology sector colleagues developed its own set of rules engine, the new rules on self-development engine not only meets the needs of the business proposed to solve the pain points and long-term business, and such a self-development rules engine, also with the support of the types of products has become increasingly diverse, more and more scenes become increasingly mature, and in the first half of this year completely replace the business rules engine.
Self-development rules engine not only supports the deployment and operational risk rules, but also bear the risk of life-cycle management rules and models, a number of duties of daily operations, and even now many non-risk decisions are also using this kind of self-development rules engine. Colleagues in the technology sector to the rules engine played a very interesting name "listening."
Reporter: When the business end produced a number of new requirements, we have to determine whether this needs to be addressed through technological innovation, and how to do needs prioritized by what? Do you want to consider the maturity, the underlying technology or technology difficult to achieve?
Zhang Jun: For new demand generated by the business side, the technical team first thing to do is to understand the needs analysis, which is the technical teams collide with the business team, carding process, and is a very important process. Because the technical team and business teams have different background knowledge, it is possible to use different languages to communicate with empathy and sincere in this critical stage.
For different business needs and technology type, different teams have different approaches. For example, some team set up a special demand management position responsible for docking the demand, some teams have full-time jobs Product Manager to communicate with the business team, some team is a technology leader directly responsible for docking. In any case, understand the company's business, and understand the feasibility of technology, it is one of the key points.
As for prioritization will be based on full communication of the order of importance and urgency of the business end of the sort. One problem frequently encountered technical team is: Do you want to upgrade the technical architecture of the period into the row? As the previous pursuit of business development speed and rapid development of technology arising from debt repayment schedule if you want to be included? So, at the same time to do business and enabling services, debt repayment technology, technology architecture upgrade, reasonable schedule and arrangements for R & D resources, it is an excellent technology leader in basic skills.
During technology selection, technology is also time to evaluate the applicability and maturity of the technology, although we will continue to track the current trend of technological development, but not necessarily the most fashionable technology to be introduced to the project, depending on the current technology selection for specific problem solving, the use of more sophisticated and easier to maintain technical solutions, with a simple, proven technology solutions to do architecture, continuous delivery, capacity is also a technology leader must have.
Reporter: When it is determined to develop a new technology to solve a particular product or project specific business needs, consider whether you want to apply to this product usability issues business scene, after all, in the business scenario, front-line operational staff are not familiar with technology, the use of newly developed technology products will take some familiar and running phase. How to improve the technology used in the products of the business scenario it?
Zhang Jun: Ease of use is a technical product of very important indicator, front-line operational staff do not care about the technical architecture and technical implementation details, they are customers of technology products, so that they are also easy to use one of the pursuit of the technical team.
Science and technology industry has a well-known words: "Eat your own dog food", the technical team of colleagues to use their own product research and development, and actively collect authentic customer feedback, a better understanding of front-line usage scenarios, in order to know how to improve ease of use sex.
Here are several questions to ask you chat "How rational view of the relationship between business development and technological innovation" this topic.
Reporter: In the software development industry, there will be every year some new technology trends such as big data, cloud computing, artificial intelligence, block chain, and so on in Taiwan, but many companies look at the issue of technological innovation and not rational, and blindly follow the trend. What do you think of these emerging technologies do? In the actual work, from what will determine whether or not to use these new technology concepts or ways to solve business problems?
Zhang Jun: With the development of technology and media industries, every year the emergence of new technology trends in the media, for us, the most crucial point is to look at the reasons behind these technology trends and want to solve the problem, and not to chase hot spots, the blind pursuit of fashionable technology trends, not to mention there are many so-called technology trends are likely only for the purpose of marketing.
At the same time, the technical team have a deep understanding of the company's business objectives and strategic goals, so plan out what is technically need to build new capacity, any new muscle to grow, more strategic planning and technical direction of the target.
Of course, new technology concepts and new applications, we will maintain continuous learning and attention, if we can solve business problems, or be able to make our technology infrastructure more secure, more efficient, more scalable, easier maintenance, we also while business will continue to deliver, assess and introduce these new ideas and methods.
Reporter: Many people think that technical people are more concerned about the development of techniques for understanding business is relatively weak, how to do technical department will combine technology and business innovation?
Zhang Jun: On this issue, the technical leader plays a vital role, if technical team members do not know what the company's strategic goals and business objectives that must be the technology leader in communications and convey enough place.
Technical teams do not need to like a lot of business experts that understand the business, but at least to be able to do business team to understand the jargon, understand the business logic, this work is essential to carry out technology research and development. Approved the technical team from the concept of "Only your business goals is the technical team success," so that it is more willingness to learn the business and technological innovation.
Reporter: In difficult technical department of the company launched a new product or project facing what? How to overcome these difficulties?
Zhang: The biggest difficulty comes from whether to be recognized by the business sector. A deeper understanding of the business and ongoing communication with the business team, clear new technology products and projects to address business pain points which team is the key to overcome the difficulties.
Reporter: In the financial industry, science and technology, technological innovation, the current stage of technological development is still driven by the drive by the business? How do you see the relationship between technological innovation and business development?
Zhang Jun: For companies engaged in financial services such letter should technically ultimate goal must be to achieve we are engaged in the financial services business objectives.
So we are responsible for the technical team, not simply for technology and technology do, but should be a better understanding of the company's business, processes, customers, and business team together to achieve the company's goals in business through technology.
Technological innovation not appear out of thin air, technological innovation must be in order to meet business development, to solve the business pain points.
Reporter: Last want to talk a little bit broad issues, the development of AI and big data technology is relatively mature, the letter should also have a wide range of floor application, from the financial point of view the technology sector, data intelligence applications focused on solving what business issues? What is the current technology can not solve the problem but must rely on the people to solve the business scene? What is the future direction of data intelligence is?
Zhang: AI and big data technologies in the letter should have a very broad and deep ground applications, for example, we use an alternative type of data, using artificial intelligence algorithms to evaluate the customer's credit risk and detecting fraud; the application of AI technology in the interaction with the customer's part, to automate and standardize the interaction with customers; AI algorithm to use KYC done to the customer, so that it can better understand customer needs, to provide appropriate financial services; also extensive use of big data technologies to form deep insight into the customer base for the service.
With the future to further enhance the further accumulation of forces and calculation of the amount of data, big data and AI algorithms will be more and more widely used, not only can be used to solve the data, automation problems in the financial sector, it is possible to substitute some simple repeated mental activity, credit review, insurance underwriting, customer interaction and so on core business-critical scenarios can be applied to enhance the quality and efficiency of the financial assets of financial services.
However, in complex mental work, such as giving customers with the warmth of the service, when customers face to face to provide wealth management advice, the machines are also difficult to replace people.
In the future, technology can help people freed from transactional work among thereby have more time and energy to provide attentive service to customers.