以阿里巴巴为代表的互联网巨头们涉足到了金融行业,掀起了互联网金融的热浪,正深刻改变着当前的金融生态和金融格局。一股“银行如果不改变,我们就改变银行”的飓风席卷全球。传统的大小银行们都为之一震,感觉到了前所未有的危机感与紧迫感,纷纷开始研究互联网思维,并推出直销银行等互联网产品进行阻击。然而真正让传统商业银行恐惧的不是互联网企业的创新产品,而是他们的“大数据思维”。“大数据思维”改变了产品创新的方式,颠覆了客户服务的理念,创 The Internet giants represented by Alibaba are involved in the financial industry, setting off a heat wave in internet finance and profoundly changing the current financial ecological and financial structure. A “bank if you do not change, we change the bank,” the hurricane swept the world. The traditional size of the banks were shocked, felt an unprecedented sense of urgency and urgency, have started to study the Internet thinking, and the introduction of direct-selling Internet products such as blocking. However, what really arouses traditional commercial banks is not the innovative products of Internet enterprises, but their “big data thinking”. Big Data Thinking Changes the Way of Product Innovation, Subverts the Idea of ​​Customer Service and Creates