Smart Interview: Reshaping the New Era of Financial Risk Control
In this digital age, every step of innovation in the financial industry is crucial. Faced with an increasingly complex risk environment and ever-increasing customer experience requirements, how can financial institutions provide efficient and intelligent services while ensuring security? Today, let us take a look at the intelligent face-to-face review solution of the OneConnect Gama platform and explore how it can help financial institutions reshape the new era of risk control.
Business Challenges and Solutions
With the rapid development of financial services, traditional risk control methods have gradually exposed many drawbacks. Problems such as low efficiency of manual review, frequent black market attacks, and high system connection costs have made financial institutions face unprecedented challenges. However, the intelligent face-to-face review solution of the Gama platform was born to solve these problems.
Relying on Ping An Group's rich experience in financial risk control, the Gama platform innovatively integrates multiple AI technologies such as vision, ASR (speech recognition), TTS (text-to-speech), and graph computing to create an efficient and intelligent risk control solution. This solution can remotely conduct anti-fraud analysis such as liveness detection, real person comparison, and black background on customers in real time, so as to accurately identify and warn risks such as team fraud, instruction coercion, etc. in risk control scenarios such as remote account opening, insurance double recording, and loan review.
Business Advantages
Flexible compatibility, seamless connection
The intelligent face-to-face review solution of the Gama platform supports plug-in delivery and is perfectly compatible with the original system. By flexibly supporting process configuration, financial institutions can easily implement automated face-to-face review configuration and dialogue configuration, and assist in rapid business upgrades.
Safe and reliable, tempered by experience
Based on Ping An Group's rich practical experience in financial risk control and product refinement, the intelligent face-to-face review solution of the Gama platform has excellent security and reliability. Financial institutions can independently configure scenario-based business modules to ensure the effectiveness and accuracy of risk control strategies.
Visual risk control, intelligent anti-fraud
The intelligent face-to-face audit solution that integrates multiple AI technologies can conduct anti-fraud analysis such as liveness detection and real-person comparison on customers. This not only greatly improves the efficiency of risk control, but also effectively reduces the false alarm rate and missed alarm rate, providing a solid security guarantee for financial institutions.
Customer Cases Witness Miracles
Let’s take a look at the performance of Gamma platform’s intelligent face-to-face review solution in real scenarios!
After a leading automotive finance company adopted the AI digital human face-to-face review project, the automatic approval rate increased to more than 75%. The amount of loans approved through AI digital human automation exceeded 1.2 billion yuan, saving more than 1.8 million yuan in seat labor costs and successfully intercepting credit fraud of more than 1 million yuan.
After a leading credit institution introduced the intelligent face-to-face review project, it covered more than 300 seats and successfully intercepted hundreds of attacks per year based on black background and sound and shape detection, effectively reducing losses of tens of millions per year, and the customer complaint rate was greatly reduced to 71%.
After a leading bank adopted the intelligent face-to-face audit project, the proportion of intelligent face-to-face audits in remote face-to-face audits exceeded 70%, saving about 10 million yuan in labor costs per year, improving performance by 10%, and increasing annual issuance by more than 5 billion yuan.
These customer cases fully demonstrate the excellent performance and practical effects of the Gamma platform's intelligent face-to-face review solution.
future
In the field of financial risk control, the intelligent face-to-face review solution of the Gama platform is undoubtedly a revolutionary innovation. It not only solves the multiple challenges faced by financial institutions, but also promotes the development of financial risk control in a more efficient and intelligent direction.
Looking ahead, we believe that the Gama platform will continue to deepen AI technology, continuously launch more innovative risk control solutions, and provide financial institutions with more comprehensive and intelligent risk management services. At the same time, we also look forward to more financial institutions joining hands with the Gama platform to jointly open a new chapter in financial risk control!