Securities Network (transferred from Financial Times) In 2017, the emerging technology boom represented by artificial intelligence, big data, cloud computing, blockchain, etc. quickly penetrated into the traditional financial sector. Major banks actively embraced new technologies and transformed and upgraded to smart banks. The ATM industry is welcoming new development opportunities. While accelerating localization and intelligence, the industry structure and product structure are undergoing profound changes. Domestic manufacturers have relied on new technologies to launch smarter-level cash equipment and smart teller equipment to create smart banking solutions. Upgraded version.
Traditional cash equipment enters a stage of steady growth
According to the "Overall Situation of Payment System Operation in 2017" issued by the People's Bank of China, as of the end of 2017, the domestic ATM holding capacity was 960,600 units, an increase of 3.9% over last year's 924,200 units, and continued to maintain its growth momentum. Stable growth phase. The number of cards issued in the country has increased steadily, reaching 6.693 billion, an increase of 9.27% ​​year-on-year. The number of bank cards corresponding to each ATM is 6,968, an increase of 5.1% over the previous year. The number of ATMs per 10,000 people is 6.95. Compared with developed countries, there is still a big gap. At the same time, ATMs in the market will usher in alternative upgrades. In the future, there will still be much room for development in the domestic traditional cash equipment market.
Domestic ATM manufacturers firmly grasp the domestic market
In 2017, domestic ATM manufacturers dominated the domestic market, Guangdian Express 002152, diagnostic stocks (002152, stocks, Hengyin Finance 603106, diagnostic stocks , Yihua occupy the top three market share. Among them, Guangdian Express continues to maintain the leading position in the domestic cash equipment market. The market share of Hengyin's financial market continued to rise, ranking second. The market concentration was further improved. The top two manufacturers have occupied more than half of the market share. The market structure of “Southern Polytechnic Express and Hengyin Finance in the North†has been further consolidated. .
According to the industry survey data in 2017, compared with 2016, Hitachi’s market share fell out of the top three in the three camps, and other foreign brands such as Japanese, European and American brands basically faded out of the domestic market, and domestic brands occupied absolute domestic cash equipment. market share.
Cash-based smart devices or lead the industry
Domestic manufacturers such as Hengyin Financial and Eastcom have promoted the transformation and upgrading of cash-based financial self-service equipment for the needs of smart banks, and introduced cash-based smart devices such as cash super-cabinets and large-volume high-speed deposit and withdrawal machines, which has accelerated the pace of “machine liberationâ€. With the help of the machine, the business processes of the outlets were re-engineered and gradually moved to online and self-help channels. It is reported that the Agricultural Bank of China (Guangdong Branch) has continuously increased the use of new electronic technology and intelligent equipment, and firstly blew the horn of the bank's “machine liberator†and launched more than 4,000 cash counters, greatly enhancing customers. Experience and business processing efficiency, achieving 97.94% of the outlet rate of outlets, 50% of high cabinet teller business, and two-thirds of customer waiting time, providing customers with comprehensive, high-quality, efficient and intelligent financial services.
With biometrics such as face recognition, vein verification, and iris recognition being widely used in financial self-service devices, ATM transaction efficiency and security have increased dramatically. With the slowdown in traditional ATM demand growth, large-scale high-speed deposits and withdrawals have been made. , card issuance, transfer, inquiry, return printing and other functions, support for passbooks, deposit slips, checks, upgradeable cash-based smart devices such as financial management and financial management evaluation, and quietly emerging, will become more and more popular in the market, leading Industry development.
High-quality development boosts the inclusive financial process
The 19th National Congress of the Communist Party of China proposed that the main contradictions in our society have been transformed into contradictions between the people’s growing needs for a better life and the development of inadequate and unbalanced development. The state has paid more attention to the imbalance of financial services development. An unprecedented development opportunity. The special agricultural aids such as the cash-assisting cash recycling machine launched by Guangdian Express and the cash-sending machine for helping farmers and farmers in Hengyin Finance solved the problem of farmers' cash use and lack of bank outlets, and effectively promoted the development of inclusive finance. .
In the future, cash-based equipment will be more personalized for specific groups, and will continue to develop toward the goal of “machine liberationâ€, address differentiated needs, and provide various financial services anytime, anywhere.
Smart banking equipment ushered in an outbreak
In 2017, major domestic banks accelerated the digitization and intelligent transformation of various integrated businesses, and carried out nationwide layout of intelligent equipment. Non-cash self-service equipment such as smart teller machines and super counters were gradually deployed nationwide, bringing purchases. The amount has increased dramatically. The scale and speed of the construction of the Bank of China Agricultural Bank and China Construction Bank (601939) have been accelerating. As the first state-owned bank to launch the super-counter, the Agricultural Bank has put into operation more than 55,000 pieces of equipment. The main supplier. Construction Bank's smart teller machine has experienced explosive growth in the past two years. Later, it has accumulated more than 50,000 units. Great Wall, Hengyin Finance and Zhengtong are the major suppliers. Bank of China 601988, the medical stocks (601988, shares it) added more than 10,000 smart counters throughout the year, ICBC 601398, diagnostic stocks (601398, stocks), Bank of Communications 601328, diagnostic stocks (601328, stocks) and the Postal Savings Bank have Speed ​​up the layout of the smart teller machine equipment.
The ATM market structure has intensified
The financial self-service equipment industry has entered an accelerated “shuffle†stage. Smart Bank has become an inevitable trend in the development of the banking industry. Bank outlets will use intelligent devices, digital media and human-computer interaction technologies to achieve comprehensive intelligence and transformation into a comprehensive function with multiple functions. Sexual outlets. At that time, providers of integrated solutions for smart banking with advanced concepts, first-hand experience and independent research and development capabilities will gradually dominate the market.
The main domestic manufacturers in the five major state-owned banks and China Post (Post Bank) are listed in the attached table.
It can be seen from the fact that the major domestic manufacturers are among the top five state-owned banks and China Post (Post-Paste Bank), and that the company has an advantage in the cash equipment market, and the market for smart teller equipment is also laid out but not large. The Great Wall started earlier in the market for smart teller equipment and occupied a larger share, but it was almost blank in the cash equipment market. Hengyin Finance has seized the opportunity of bank outlets to transform and upgrade to smart banks, and is in a leading position in the market for cash equipment and smart teller equipment. Guangdian Express and Hengyin Finance are the only two companies that have been short-listed among the top five state-owned banks and China Post (Post-Paste Bank), all of which are domestic A-share listed companies, all of which have laid out the industry changes ahead of schedule. Since 2015, Guangdian Express has invested heavily in the financial armed escort market to seek business breakthroughs. In 2015, Hengyin Finance took the lead in transforming to a smart banking solution provider and seized the “window†of intelligent upgrade of bank outlets.
Artificial intelligence, cloud computing, big data, blockchain, etc.
Emerging technologies will continue to be applied in the ATM industry
On July 8, 2017, the State Council issued the "New Generation Artificial Intelligence Development Plan", proposing "in the aspect of intelligent finance, it is necessary to establish a financial big data system, improve the ability of financial multimedia data processing and understanding. Innovate smart financial products and services, develop finance New business mode. Encourage the financial industry to apply intelligent customer service, intelligent monitoring and other technologies and equipment. Establish a financial risk intelligent early warning and prevention and control system. This is the first time that "smart finance" has appeared in national development planning. At present, the major banks intelligent robots 300024, shares attending full debut, fingerprint recognition, face recognition technology rapid development, the banking industry is entering a full comprehensive channel banking, smart investment adviser, block chain, big data and Internet of things In the development stage of the basic digital banking, intensive, intelligent and digital have become new trends. Financial self-service equipment will also be deeply integrated with emerging financial technology to promote the strategic transformation and wisdom upgrade of ATM manufacturers, provide more convenient, intelligent and safe applications and services, and create a high-quality kinetic energy system to help the development of the financial industry.
(Editor: Zhao Ran HZ002)
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