Isicwangciso ibhanki xa kwimarike yanamhlanje zokhuphiswano

wokhuphiswano ngokugqithiseleyo Modern kwiimalike zemali inika olwaneleyo ngayo umngeni isicwangciso ibhanki yakhe. Ngokwemo, kuba iqulathe iimarike ezininzi: zokuhlala kunye nemali neenkonzo, mboleko, imali kunye izibambiso. Avelisa iintlobo ezahlukeneyo ezingaphezu kwama-150 kwemicimbi yebhanki. Ekuhambeni kwe intsebenziswano ibhanki yorhwebo kunye emarikeni ozikhulela ephala kwicandelo yayo virtual, ecebisa imijelo ezininzi nabathengi kude bafumana iinkonzo. Ukuzibophelela yimibono "ithuba kwi ^180" - la majelo tovaroorientirovannyh - uhanjiselo-to (CRM).

Xa sibhenela i "ziyahlonelwa", isicwangciso ebhankini sinokutshintshwa ngokusekelwe kwenye kumaqonga ezimbini: i-US (emarikeni kunye nesakhiwo stock, kukho inani elikhulu yoosozabelo nokujikeleziswa sabo) kunye zaseYurophu (iqabane, sakhangelana kuqala).

Uphuhliso qhinga ibhanki iqala segmentation lwemarike kunye nokubekwa iimveliso zebhanki kuwo. Kuphela ngokwenza le meko, ulawulo yayo okwixesha-lokwenene baya kuba nako ukuyisebenzisa iyonke nokhuphiswano bume. Oko kukuthi, ukuba benze ngenyameko yaye ngokuhambelana nesi sicwangciso, ukusiqhuba step ngenyathelo, kuthathelwe ingqalelo, kwelinye icala, inzala zorhwebo, kwelinye - ithe nokugcina imithetho Central Bank, kunye wesithathu - ngokupheleleyo usebenzisa iimpawu uqoqosho lwengingqi.

nezimaphambili ezingundoqo - alpha kunye omega yesicwangciso ibhanki yeyona ngotyalo yayo abolekise nkqubo, Zilumkele isakhiwo ngokupheleleyo asethi kunye namatyala, inkcazelo ecacileyo umngcipheko eyamkelekileyo yokubolekisa ngemali. Le milinganiselo elapha ngasentla kufuneka igcinwe akaguquki, njengoko yesazisi kwabo kuchaphazela ngqo uzinzo ebhankini. Kwiminyaka yakutshanje ngakumbi kubalulekile ukutsala abathengi ze ebhankini uba kwindawo kawonke: Intsebenziswano ushishino nee-arhente zikarhulumente, kwakunye nophuhliso yonxulumano noluntu.

Imarike zebhanki zasekhaya uwela phantsi kudidi imeko imarike - ukhuphiswano ecocekileyo, esibonakala ezahlukeneyo abathengisi ezifundisa uhlobo olufanayo kweempahla kunye neenkonzo. Yesicwangciso ibhanki yorhwebo kule meko esinokwenziwa ngaphandle ukulawula njalo ngokuthelekisa iinjongo zeqhinga kunye nezibonelelo ezikhoyo: ngomkhondo Dynamics kwezengqesho (enikwe isakhiwo sayo), isiseko umxhasi, umgangatho imveliso kunye nomgaqo-nkqubo woluhlu lweerhafu, ekwafanekisa isakhiwo yebhanki yemishini yayo. mission Bank kukuba ukubonisa ulawulo ibhanki leyo uqulunqe isicwangciso-qhinga sichaza ngokucacileyo abathengi ibalulekileyo (kubandakanywa eliphezulu), kwakunye neendawo eziphambili ngentsebenziswano nabo, inkxaso ekujoliswe ocwangcisiweyo.

Kufuneka kuqatshelwe ukuba okwangoku ukucwangcisela kweebhanki liphantsi utshintsho sengqiqo. Umsebenzi oqhubekekayo khalenda nyaka (karhulumente) liya wagxeka njengoba ithekhinoloji silawula iinkqubo kunye templates.
Eyona nto iphawulekayo sikhundla iibanki lihlaziye snap yemveli ukuya kunyaka odlulileyo. Bona umngeni "Indlela esithi", fixated kwiziphumo elifutshane ngaphandle kokuthatha ulondolozo ingqalelo nokwakha ezenziwe kwisiseko sabathengi. Ezi ndlela zilandelayo zisetyenziselwa ukwakha kuyo:

• indlela kwangaphambili indlela;
• indlela yokwakha izicelo kunye neemfuno client;
• indlela ukuhlangabezana neemfuno kunye neemfuno client.

Abanomdla wagxeka "abaphathi zemveli" abazama 'ukwakha ngokulinganayo bonke "ngenxa yokoyika" okungalungelaniyo kwisicwangciso. "

Uphuhliso qhinga ibhanki leyo luqinisekiswa kakhulu ucwangciso, iindlela zokulawula ingozi kunye nokwakha ubudlelwane ishishini zokuxhamla ngokufanayo abathengi.

Xa equkumbela le imboniselo emfutshane ubuchule langoku kwiibhanki zorhwebo, kunokwenziwa isigqibo malunga ukutshintshwa kukuba iimveliso esekwe ingqiqo yazo kwiimalike zaphesheya, izicwangciso ezintsha - abathengi ebomini.