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5G可能影响马来西亚金融科技的5种方式 | 出海马来西亚现金贷岛群第6期

2019-07-30 22:19:30

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凭借为自动驾驶汽车和流媒体虚拟现实提供动力的大胆宣传,5G在马来西亚的承诺吸引了技术极客和休闲互联网冲浪者的想象力。

超越其中一些未来主张,只是5G比4Galone快20倍的基本前提应该足以让人们兴奋起来。

当马来西亚政府承诺在未来2  -  3年内在马来西亚实施5G时,这就是欢迎新闻的原因。

随着5G潜伏在拐角处,我们最近采访了Ir。 TS。 TM ONE的首席执行官Azizi A. Hadi是马来西亚电信有限公司的业务解决方案部门,负责探讨5G现实将如何影响马来西亚的金融科技和金融服务。

他评论说:“作为马来西亚通信与多媒体委员会(MCMC)国家5G工作组的成员,我们将5G视为一种革命性的技术,将开放并实现我们从未想过的用例。 5G网络的低延迟,高数据容量和可靠性将有助于创建一个新的平台,以便在数字时代更好地提供金融服务。“

 虽然5G仅在世界各地的小口袋中提供,但许多银行已经开始考虑在其运营中使用5G技术。基于这些案例,我们与Azizi一起探讨5G可以改变金融服务的5种方式。

 

5G将启用智能分行

关于5G的对话将不可避免地导致中国,许多人认为中国是这一领域的明显领导者。因此,中国的银行已经在为智能分支机构试验5G技术,这并不奇怪。

特别是中国建设银行公布了他们计划推出10家完全无人值守的5G自动化银行分行。

该银行的代表表示,新分支机构内的所有设备都将与物联网(IoT)平台集成,以实现数据的实时采集,以及实时响应和控制。所有这些都将由5G供电。

同样,中国银行上个月也在北京成立了一家5G电力银行分行。

Azizi表示,这也是在马来西亚推出此类服务的可能性范围,因为5G的低延迟和快速速度可以实现更可靠的数据收集和分析。他还认为,5G技术也将为智能ATM等服务提供支持。

 

5G可以让你刷脸付钱

在中国,当地的地铁运营商深圳正在测试由5G网络提供支持的几项先进技术,包括面部识别支付。

通勤者现在可以在安装在入口门上的平板电脑大小的屏幕上扫描他们的面孔,并自动从他们的关联账户中扣除票价,而不是出示罚单或扫描二维。

随着电子货币支付的增加和电子钱包玩家积极推动无现金马来西亚,Azizi认为有一天移动支付运营商可能会选择5G技术来支持面部识别支付。他认为,引入这样的元素将创造更加无缝的支付体验。

 

5G将使欺诈预防更加准确

在Experian的2018年全球欺诈和身份报告中,只有54%的企业表示他们对防欺诈技术充满信心。这意味着强烈需要防止欺诈,特别是因为信任是蓬勃发展的数字经济的关键因素。

Azizi认为,通过5G可以在网络中传输更多数据,可以进一步增强防欺诈功能。银行将能够更准确地分析地理位置,用户行为,交易金额等数据,以改善欺诈检测和误报。

 

5G可以增强安全性

在4G世界中,当银行在其应用程序中检测到需要更新的漏洞时,它们通常需要用户的人工干预。在5G世界中,银行可以实时更新和添加增强功能,而不会对最终用户造成太大的干扰。

Azizi补充说,除了网络安全之外,5G还将在银行分支机构内实现更强大的安全性。他表示,使用5G,银行将能够集成更高分辨率并对其监控系统进行实时监控。

 

5G可以为随身穿戴设备提供动力

虽然可穿戴设备尚未充分发挥其作为移动支付渠道的潜力,但随着越来越多的消费者热衷于可穿戴设备的想法,它仍然具有真正的希望。

5G可能使可随身穿戴公司公司能够为其消费者提供更多服务,从而增加其作为支付渠道的吸引力和可行性。

Azizi表示,拥有5G电源这些设备也可能使银行能够在可能的银行体验中使用虚拟现实和增强现实技术引入可穿戴设备。

 

对金融科技和金融服务部门5G部署持谨慎乐观态度

Azizi也很快警告说,虽然5G对行业有很大的希望,但在无处不在的部署之前,仍然存在行业仍然需要解决的挑战。

最大的障碍是成本和处理大量数据,这可能导致电信公司设定的上限更快,BBC在开始第一次5G广播之前用尽数据就是证明。在进行全面部署之前,独家基础设施投资成本需要强有力的案例研究。

他仍然乐观地认为,随着时间的推移,该行业将集体寻找方法将价格点降低到商业采用该技术的商业可行性,或者银行将能够引入有价值的服务来证明投资的合理性。

 

 

原文:5 Ways That 5G Could Shape Fintech in Malaysia

 

With bold claims like powering self-driving cars and streaming virtual reality, the promise of 5G in Malaysia has captured the imaginations both tech-geeks and casual internet surfers alike.

Moving past some of these futuristic claims, just the basic premise of 5G being twenty times faster than 4Galone should be reason enough for people to get excited.

Which is why it is welcomed news when the Malaysian Government has committed to implement 5G in Malaysia within the next 2-3 years.

With 5G just lurking around the corner, we recently spoke to Ir. Ts. Azizi A. Hadi, Chief Executive Officer of TM ONE, the business solutions arm of Telekom Malaysia Berhad (TM) to explore on how a 5G reality would impact fintech and financial services in Malaysia.

He commented, “As a member of the Malaysian Communication and Multimedia Commission’s (MCMC) National 5G Taskforce, we see 5G as a revolutionary technology that will open up and enable use cases that we never thought was possible. The low latency, high data capacity and reliability of 5G networks will help create a new platform for better delivery of financial services in the digital age.”

 Though 5G is only available in very small pockets around the world, many banks are already toying with idea of using 5G technology within their operations. Based on these cases, we explore alongside Azizi, the 5 ways 5G could transform financial services.

 

5G Will Enable Smart Branches

Conversations about 5G will inevitably lead to China, who many consider to be a clear leader in this space. Therefore, it is not a surprise that there are already Chinese banks experimenting with 5G technologies for smart branches.

China Construction Bank in particular has unveiled their plan to roll out 10 5G automated bank branches that are completely unstaffed.

Representatives from the bank said all devices within the new branch will be integrated with Internet-Of-Things (IoTs) platform to enable real-time collection of data, as well as real-time response and control. All of which will be powered by 5G.

Similarly Bank of China has also launched a 5G powered bank branch in Beijing just last month.

Azizi shared that is also within the realm of possibility for such services to be rolled out in Malaysia because 5G’s low latency and fast speeds can enable more reliable data-collection and analysis. He also believes that 5G technology will also power services like Smart ATMs.

 

5G Could Let You Pay Using Your Face

In China, Shenzhen, a local subway operator is testing several advanced technologies powered by the 5G network, including facial recognition payments.

Instead of presenting a ticket or scanning a QR code, commuters are now able to scan their faces on a tablet-sized screen mounted on the entrance gate and have the fare automatically deducted from their linked accounts.

With e-money payments on the rise and e-wallet players aggressively pushing for a cashless Malaysia, Azizi feels one day mobile payments operators might opt for 5G technology to power facial recognition payments. Introducing such element he believes, will create a more seamless payments experience.

 

5G Will Make Fraud Prevention More Accurate

Only 54% of businesses reported that they are confident in their fraud prevention technology in Experian’s 2018 Global Fraud and Identity Report. This signifies a strong need fraud prevention especially since trust is a key element for a flourishing digital economy.

Azizi shares that with 5G enabling more data to travel across networks, fraud prevention can be further enhanced. Banks will be able to more accurately analyse data like geolocation, user behaviour, transaction amount to improve fraud detection and false positives.

 

5G Can Enhance Security

In a 4G world, when banks detect a vulnerability within their app that necessitate an update, they often require manual intervention from the users. Whereas in the world of 5G, banks can update and add enhancements real-time without much intrusion to the end-user.

Azizi adds that beyond cybersecurity, 5G will also enable stronger security within bank branches. He shares that using 5G, banks will be able to integrate higher-resolution and have real-time monitoring for their surveillance systems.

 

5G Could Power Wearable Banking

While wearables have not met its full potential as a channel for mobile payments, it holds real promise as more and more consumers warm up to the idea of wearables.

5G will likely enable wearable companies to provide a larger swathe of services to its consumer, therefore increasing its appeal and viability as a payment channel.

Azizi said that having 5G powering these devices will also potentially enable banks to introduce never before possible banking experiences using virtual reality and augmented reality to wearables.

 

Cautious Optimism for 5G Deployment in Fintech and Financial Services

Azizi was also quick to caution that although 5G holds great promise for the industry, there are still challenges that the industry still needs to address before an ubiquitous deployment.

The biggest roadblock being cost and processing large amount of data that could lead to hitting the cap set by telcos much faster, as evidenced by BBC who ran out of data before it started its first 5G broadcast. The exclusive infrastructure investment cost would require a strong case study before full scale of deployment takes place.  

He remains optimistic that as time goes by, the industry will either collectively find ways to drive the price point down to where it would be commercially viable for businesses to adopt the technology or banks will be able to introduce valuable services that can justify the investment.


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