突破场景的力量：消费金融技术驱动洞察报告

PREFACE……·CATALOG·1.2.3.4.5.·Background30·1985201518.964000301940·2015141,80074.8%1/4V.S.0510152020112012201320142015·???????38%?65%?78%?022.54567.590(%)79.185.965.637.9Tradingeconomics·2012.62013.102014.22014.42015.12015.6*POWEREDBYDUMIAO2016.6*··Fintech-Driven·3C·2015.42015.6“”2016.6POWEREDBYDUMIAO2015.2“”2016.32016.52015.4“”·1.2.3.1.2.3.1.2.3.···CaseStudyCaptialOne1·CapitalOne10%28%62%201562%28%10%Information-basedStrategyIBSInsourcedITDigitalTalentBigData/Analytics3IBSCapitalOneCaptialOne2·CapitalOnetest-and-learnCapitalOneNPVCPPPPIBTA103040211B432294524C12598433D01512330.170%LoveyousKillyousCapitalOnekillyous1000loveyousCaptialOne