With the variation of marketing environment

transformation and upgrading of bank are inevitable requirement. Digital bank is the direction of transformation and upgrading of bank. Digital bank relies on big data

block chain and Internet of things as technology supports

deepening idea of customer-oriented and providing 24 hours financial service using means of the Internet like digital technology

which will build closed relationship between bank and clients finally. In digital age

bank?counters of commercial bank may not exist anymore. Digital bank is smart bank. It can provide personal financial service to client automatically. Digital bank still faces some challenges in future

such as its competitiveness is weaker than financial technology enterprise; if the data analysis technique is reliable; if there is a balance between excessive risk control and tremendous growth of business requirements. Digital bank has some differences with traditional bank in nature. Digital bank plays not only the characters as credit intermediary

but also infomediary. Digital bank also should play market credit role to expand from bank credit to market credit. Digital bank should strengthen strategic research to make sure direction of transition at present. First of all

we should strengthen mobile terminal applications to optimize customer experience. Secondly

we should put more attention to technical research and development to improve technological level. Thirdly

we should make full use of our business characteristics to promote diversified competition. Last but not least

we should strengthen risk mechanism construction to improve risk prevention ability and attach importance to client service.