Banking service model in the Internet era

下面为大家整理一篇优秀的essay代写范文- Banking service model in the Internet era，供大家参考学习，这篇论文讨论了互联网时代的银行服务模式。如今，信息技术的发展改变了银行原有的服务模式，使银行面对新的机遇与挑战。在这种情形下，银行应该结合银行传统的支付手段，与金融服务相结合。但第三方支付的迅速发展，也使得传统银行商业模式落寞。

With the rapid development of Internet technology, the traditional banking service model has encountered great challenges. The low offline service quality of traditional Banks, the poor operation of online Banks and the single means of payment have led to the loss of customers of Banks. Therefore, the service model of Banks must be innovated.

Since the 21st century, the rapid development of information technology, people's lives have been greatly changed. With the development of digital technology, cloud computing, big data and other technologies, the traditional business model has been overturned, and commercial Banks are no exception. The development of Internet brings new opportunities and challenges to commercial Banks. With the development of electronic payment, some non-bank companies have also penetrated into the financial field. The traditional mode of banking is no longer suitable, and Banks need to innovate in the service mode.

The development of information technology has changed the original service mode of Banks, making Banks face new opportunities and challenges. In this case, Banks should follow the trend of The Times and combine the traditional service methods of Banks -- payment means and financial services. The rapid development of the third-party payment makes the traditional bank business model lonely. As a new means of payment, the power of third-party companies should not be underestimated. With the development of electronic payment technology, Banks are losing customers, and people tend to operate on third-party apps, which are more convenient. At the same time, precipitation funds on third-party apps are also increasing, and the rapid development of various lending apps, such as wukong finance, endangers the traditional lending methods of Banks, causing a rapid loss of lending customers. In addition, the operation of third-party apps is smoother and more convenient. However, Banks started late and did not change the idea of "they are still the leader in the financial field", nor did they invest more capital and talents, which also resulted in the loss of potential customers.

At present, the service mode of most Banks in China is more traditional, which requires customers to handle relevant businesses in Banks. Although this can increase the security of transactions, it cannot improve the service experience of customers. Moreover, the service attitude of the bank staff is often poor, and the service management is rather weak. The bank has not established a perfect service system, and the top management of the bank has not fundamentally attached importance to the service quality of the front-line counter staff. The development of other kinds of online apps improves the service experience of customers, which leads to a high customer turnover rate of Banks. Therefore, a special performance appraisal system can be established, and the service quality-centered performance appraisal for the front-line counter staff can effectively improve the service attitude of the bank service staff.

When going to the bank to deal with business may encounter such a situation, in the online bank can deal with the business, but for some reason failed to deal with success in time. In the offline outlets, however, they are told that they cannot handle it or that the processing point is elsewhere, so that customers can make a trip in vain. In the long run, this is bound to reduce customer satisfaction. Moreover, the development of technology accelerates the spread of negative information. If customers meet with unfair treatment in the bank and publish it on the Internet, it will have a destructive impact on the reputation of the bank. When establishing an online banking APP, it is necessary to pay attention to the one-to-one correspondence with the offline banking services. If you can handle online, you should ensure that you can handle offline as well. This requires professional technical talents to test various online functions, and remove bank functions that cannot be handled offline in a timely manner or add online functions at offline outlets.

Since most Banks are state-owned enterprises funded by the state, the service mode of offline outlets is basically the same, and each outlet has no differentiated service mode and no innovation. Homogeneous services cannot attract the interest of customers, who believe that each bank is not fundamentally different, so they cannot enhance customer stickiness. Banks need to set up their own special services and build their core competitiveness in addition to deposits and loans to attract customers. For example, to improve the quality of services and establish independent service systems in offline outlets so that customers can explore by themselves can not only improve the experience of customers, but also reduce service personnel and improve service efficiency, so as to improve the economic benefits of Banks.

Through the above analysis, it can be seen that the development of the Internet has influenced the banking service model in many aspects, which are exactly the shortcomings of the traditional Banks. The traditional Banks failed to grasp the pain points of individuals and small and micro enterprises and lost this part of the market. In addition, as the bank is a traditional industry, there are great disadvantages and shortcomings in the current situation, such as the bank is not customer-centered and so on. Therefore, in order to improve this situation, attract customers and improve customer stickiness, Banks must innovate their service model.

At present, the development of the Internet is very hot, and online one-click processing is the general trend, so the service business of Banks to online is also a very important innovation point. In addition, Banks need to improve the service system and quality of online banking, so as to build online banking into a one-stop banking service center that facilitates transactions and speeds up transactions. Combine the online bank with the bank WeChat public account, investigate the customer demand, and build the online bank around the customer demand. To meet the needs of customers to use mobile banking anytime and anywhere, making online banking the first choice for customers. At the same time, new technologies are used to improve the business smoothness and convenience of online banking, so as to optimize the functions and business processes of online banking. The bank should move its offline business to the online one, making it easier for customers to handle the whole business online and supporting customers to initiate business processes 24 hours a day. Banks must realize that online banking is also a new marketing model. Different from the traditional marketing model, online banking marketing model must be combined with the Internet and spread rapidly. With the accumulated customer resources and big data technology, we can explore customers' pain points and push them accurately, so as to build online banking into a comprehensive marketing service platform.

The development of electronic payments, especially mobile payments such as alipay and WeChat, has pushed traditional bank settlement businesses to the sidelines. And payment settlement is one of the main sources of bank income. To compete with electronic payments, Banks must innovate the way they pay. For example, cooperate with some mobile phone manufacturers to launch new mobile terminal payment by using NFC technology. This method has certain limitations and requires mobile phones to have NFC communication function. But working with mobile phone manufacturers to make phones specifically equipped with NFC technology, as well as marketing, could boost Banks' electronic payments. Second, customers can be encouraged to download the bank's APP on their mobile phones. And cooperate with large stores, such as supermarkets, to encourage customers to use the bank APP to get discounts, so as to improve users' loyalty and the popularity of mobile banking APP, accumulate the number of customers, collect customers' needs, and establish financial services suitable for customers. In addition, Banks can also vigorously promote the popularization of electronic payment in Banks, and use online apps for payment can also increase the settlement income of Banks.

Starting from the payment of customers as the entry point, focusing on the needs of customers, we will give full play to the advantages of financial services, and find a new breakthrough by combining customers and merchants through e-commerce. First of all, we must break the old concept that traditional Banks only do payment methods, and use the resources accumulated from payment to expand the financial services of Banks. Banks need to expand the number of customers and businesses to collect resources, analyze the financial needs of customers and businesses with big data, and push accurate financial services to them. Combining credit lending, financial insurance, and other means of payment can create standardized solutions for merchants or large businesses. Banks can also develop their lending businesses by paying for retained precipitation funds, creating personalized services for customers and merchants, and acting as "personal stewards" of customers. Banks need to integrate online and offline businesses, design different payment scenarios according to customer needs, and realize reasonable allocation of resources. The bank's online service system can utilize the offline operator to realize the collection and sharing of the bank's online and offline products, forming the payment ecosystem of the bank.

Banks could develop innovative models for financial services, such as Internet of things technology and Internet TV with financial capabilities. Use these terminals to collect customer information and prepare for the later development of financial products. We can also make use of the core concept of the supermarket to build a one-stop financial service demand satisfaction system for customers, and adopt the point system to enhance customer stickiness. Also can cooperate with a few electronic commerce platform, use point system. For example, points can be accumulated when operating with customers' online Banks or purchasing financial services, and points can reach a certain amount of redeemable products. Cooperation with well-known large enterprises can improve the popularity and attention of Banks, and cooperation with non-well-known e-commerce providers can also help Banks to obtain flow, develop sales channels of Banks, expand customers of Banks, and accumulate resources for Banks.

To sum up, the Internet has influenced the service mode of traditional Banks in an all-round way, capturing a part of the market that Banks had not noticed before. However, if Banks want to win this part of the market, they must deeply realize the shortcomings of the previous service model. To innovate the service model, they should not only improve the service quality of the front-line counters in the offline banking outlets. In addition, by building an online bank, optimizing the service and operation smoothness of the online bank, innovating the means of payment, utilizing online and offline resources to cooperate with merchants, and expanding new channels to improve the economic benefits of the bank.

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