招商银行青岛分行推出“公积金闪电贷” 金融科技新产品亮相岛城
从2015年到2018年,招商招商银行“闪电贷”为超过60万名客户提供了方便快捷的银行放款服务,累计放款量超过600亿元。青岛运用FinTech技术,分行横跨大数据、推出云计算、公积机器学习、金闪金融人工智能领域,电贷同时整合银行内外部数据,科技使得插上“互联网翅膀”的新产相岛“闪电贷”飞的更高、更远。品亮今日“闪电贷”隆重升级,招商现已全面接入青岛市民公积金数据,银行将有更多的青岛青岛市民可成功获得闪电贷额度,享受“科技金融”带来的分行便利。
近期,正值招商银行青岛分行成立十八周年之际,一款金融科技新产品——“公积金闪电贷”应时而生。凡在青岛地区连续缴纳公积金一年以上的市民均可申请“公积金闪电贷”。24小时随借随还,0资料纯线上,按使用天数计息,无招行卡也可申请,手机银行APP全程搞定,足不出户即可申请。
简单地说,只要客户申请,大数据马上就能整合出您的相关数据,1分钟内就能得出审批结果。科技创造效率,这就是“闪电贷”最鲜明的特点。 “闪电贷”依托于招商银行APP,实现了申请、审核、放款、还款等贷款全流程在手机端的移动化办理,摆脱了传统银行贷款需要提供各类资料及面谈面签所带来的不便。
作为一款全线上的贷款产品,“闪电贷”申请无任何条件限制,已有招商银行借记卡的客户通过卡号或已注册的一网通帐户,登陆招商银行APP即可申请。而没有招商银行借记卡的客户,可以通过在线注册一网通账户,并同时绑定一张他行卡进行申请。“闪电贷”申请只需三步:第一步,登陆招商银行APP。第二步,在首页点击“借钱”-“闪电贷”。第三步,根据提示录入相关信息即可申请。
由于“闪电贷”是一款基于手机移动端的线上贷款产品,很多人就会问了,万一手机丢了或是被人盗用了咋办?能保证贷款不被盗用、个人信息不被泄露么?
首先客户在登陆招商银行App时,需要进行卡密验证或通过生物指纹验证。在申请和提款时,除了常见的短信验证码验证和密码验证外,后台反欺诈系统还会根据当前情况触发远程电话核身或刷脸验证方式。
除此之外,闪电贷的数据在传输过程中全程加密,后台数据存储采取绝对安全的软硬件隔离措施,保证个人信息不会泄露。
(责任编辑:产品中心)
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