The "Metaverse" concept that has emerged in recent years is expected to subvert the lives of modern people, but when will it happen?
Xu Changhong, Managing Director of Wealth Management and Personal Banking at HSBC in Hong Kong, pointed out that currently wearing VR glasses to experience Metaverse is "like the Internet day one". What you do is closely related to the real world, and the Metaverse is concerned with such things.”
He believes that Web 3.0 may "explode" faster than Web 1.0 and 2.0 in the past.
Therefore, when designing services, banks use big data and artificial intelligence to plan new user experience models, just like creating online banking services back then, and being one step ahead of others.
Wearing VR vision to feel the metaverse is like the Internet day one
Xu Changhong, managing director and managing director of wealth management and personal banking customers and market planning of HSBC in Hong Kong, pointed out that the digital world is currently developing the virtual world, and the next stage is the merger of the real world and the virtual world.
"Although Yijia Yuanyu wears VR vision, it is actually like the Internet day one. At that time, there was no 5G, and it was very slow, so when you have to consider the user experience, it is still good for basic." But until now Now with big data, artificial intelligence, fast Internet, and 5G, "There are many things that can be done. In the end, the metaverse is the combination of the so-called live scene and virtual scene, which will bring a better life. This is the first and final Purpose."
He took the current banking services as an example, which is slowly integrating digital into the real world. For example, when users open an account, it is no longer a matter of filling out forms, but branch staff input data with a tablet computer. At the same time, artificial intelligence can already be based on customer data. By making different recommendations, staff have more time to discuss financial plans with users and focus on personalized services.
In the future, there will only be "ubiquitous" banking services
Now the experience can be mobile banking, branch or telephone financial center. He believes that in the future, it will go one step further. "You can get a banking experience in the metaverse, which is everywhere, and you can enter it. It's just that your key today is a mobile phone. Tomorrow, you may actually say something verbally, for example, I am driving an unmanned car, can you ask Siri to log in to my HSBC account for me.”
He pointed out that the concept is decentralization, "I can use banking services in any environment, no mobile or real world, no need to schedule an appointment with a regional manager to talk to, as long as I log in, a virtual manager is already there, yes 95% AI driven.”
HSBC has also launched NFT products. He explained that this is a small test, allowing users to experience the metaverse; early next year, they will hold offline and online concerts at the same time, so that reality can be connected with virtual scene audiences. , and more consider the user experience.”
He pointed out that the bank's business model is to protect and promote the growth of customers' treasury, so that they can have more autonomy and convenience, just like HSBC pioneered the online banking service in the past, "always be one step ahead, and will not wait for many people Do it when you need it."
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