Dynamicchannelstoweighup——banker.docVIP

目录 Dynamic channels to weigh up 1 Dynamic channels to weigh up 目前客户的交易以现金为主，并且主要通过银行网点进行。随着市场竞争的加剧，银行面临着“脱媒”的危险，很多新兴支付方式避开银行这个中介而独立完成，侵蚀了银行支付业务收入。 作者重点研究了手机银行等基于移动技术的创新产品的发展情况，指出出于成本的考虑，不会出现大规模使用手机银行作为支付手段的现象，而且，手机银行可能作为异地汇款的手段，但却不能像信用卡一样替代现金交易。由于手机银行的安全及标准化问题，发达国家银行对手机银行的创新仍旧采取保守的态度。 最后，作者指出要想在未来竞争中立于不败之地，银行必须运用战略性眼光改造各种交易渠道，将网点改造为销售中心而非现在的交易中心，从事更加专业的产品的销售工作。 Published:?02 July, 2007 Page: 120 In the third of The Banker’s regular series looking at retail banking in the future, Stephen Timewell examines the huge expansion of services and channels and how banks will cope. Nearly 80% of all personal payments in Europe are still cash-based and research shows that 80% or more of retail product sales across Europe are undertaken through bank branch networks. However, while the traditional vehicles of cash and the branch still dominate the retail transactions and banking environment in Europe and many other parts of the globe, will this be the case in the more technology savvy world of 2015? Unlike in the past, when customers were confined largely to cash and the branch, the future is opening up to a plethora of new payment mechanisms and alternative banking channels that provide not only dramatically increasing choice for customers, but also radically expanding complexity for financial institutions. Just as the consumer has become king and is unlikely to give up this role, for banks, an integrated multi-channel approach has become the new holy grail of retail banking. These changes are not without their consequences, though. “Banks now find themselves in a position of having to manage, integrate and update disparate channels, all operating in their own silos of infrastructure and applications, while at the same time facing increasing pressure to lower costs, and improve agility to address new and unforeseen consumer expectations,” David Vander, global managing director, banking, at Microsoft, said recently. The challenge for banks looking to 2015 is to achieve channel