Recently, some residents have reported that when they go to the bank to do things, there are always staff members who recommend the bank's
Recently, some residents have reported that when they go to the bank to do things, there are always staff members who recommend the bank's mobile APP. In this regard, some experts pointed out that this is mainly due to the strategic development of banks, and the use of mobile banking can easily handle various banking businesses. In order to improve competitiveness and save costs, banks. Because banks have developed many mobile banking functions, it is necessary to guide customers to use mobile banking to handle business.
However, we believe that the promotion of mobile banking by banks is mainly based on the following factors: First, mobile banking is recommended to make customers more convenient and efficient, and customers have to wait in line at the bank every time they do business. On the one hand, mobile banking can break through the limitations of time and space, and many businesses can be handled 24 hours a day. The efficient function of mobile banking can improve the user experience, increase user satisfaction, and finally bring more benefits to the bank.
On the other hand, compared with traditional offline banking outlets, mobile banking has obvious advantages, such as transfer and remittance, payment of traffic fines, gas bills, electricity bills, heating bills, telephone bills, balance inquiry, password modification and service opening. It can be said that at present, more than 90% of the business of bank outlets can be completed through mobile banking. Since it saves time and effort to handle so many businesses in mobile banking, there is no need for young and middle-aged customers to go to the bank's physical outlets to handle affairs.
Moreover, when more than 90% of customer business can be handled through mobile banking, banks can greatly reduce physical outlets and staff, and through this way of reducing costs and increasing efficiency, the performance of banks can be greatly improved. At the same time, banks can also complete the transformation from traditional banks to modern banks. In order to recommend mobile banking and reduce the work pressure of physical outlets of banks, banks also recommend various preferential activities, such as handling inter-bank transfer charges at bank counters, while handling inter-bank transfer charges at mobile banking is free.
Finally, some bank staff desperately recommend mobile banking to customers, and another reason is to complete the indicators. In order to occupy the market, some banks set the goal of registered users of mobile banking every year, and then reach the provincial bank, the provincial bank to the branch, the branch to the branch, and the branch to the president. This goal is often a hard task and is directly linked to the performance bonus.
For ordinary bank employees, once the leaders divide their work, they have to try their best to do it. Generally, you can earn a dozen to dozens of dollars by completing a registration, but if you can't finish the task, life will be hard. In addition to withholding bonuses, your impression in the minds of leaders will also be discounted, and even directly affect other interests such as promotion and selection. Therefore, even if the bank staff are unwilling to promote mobile banking, the indicators assigned by the leaders must be completed.
Bank staff always try their best to recommend mobile banking to banks, which not only shows that as long as users learn to use mobile banking, they will carry out business faster and more efficiently, but also will do more business in the future as long as they are beneficial to customers and satisfy them. In addition, everyone has gone to mobile banking to do business, and offline physical outlets can be greatly reduced or laid off, and banks can save a lot of money. Of course, bank staff desperately recommend mobile banking, mainly to see if they can meet the indicators issued by their superiors. If the goal is achieved, the work will be stable, but if it is not completed, it will not only deduct the bonus, but also bring a bad impression to the boss.
I worked as an account manager and promoted mobile banking. I also worked as a product manager and participated in the design of some functions of mobile banking. I still have a lot of feelings about mobile banking. As for why banks always recommend mobile banking, I think this is just a representation of banks' implementation of Internet strategy, and the bigger layout lies in the antenna (channel) function of mobile banking. Let me talk about why banks strongly recommend mobile banking from several aspects.
I have to admit that banks have fallen behind when the mobile Internet started. The so-called "launching financial technology" you see now is just a catch-up gesture of giants represented by Tencent and Ali. Almost all banks have linked their strategic positioning with the Internet. Mobile banking is the first tool to implement this strategy. In the past, banks relied on the layout of physical outlets to win, but now almost no one goes to outlets to handle business, and the advantages of physical outlets are gradually replaced by the Internet.
Everyone can watch it on their mobile phones. Most people have only one bank's mobile banking on their mobile phones. The number of mobile banking in two banks has greatly decreased, and the number of mobile banking in three or five banks is even smaller. This phenomenon shows that a person is used to mobile banking. If this bank recommends mobile banking, you already have mobile banking in other banks. At this time, it is actually difficult for you to accept the new mobile banking. Therefore, it is also because banks are afraid that other banks will get there first.
In the past, people went to outlets to handle business, and outlets were the channels for banks to obtain customers, so banks attached importance to the creation of services and environment. Now mobile banking is replacing the role of physical outlets and playing the role of acquiring customers. Mobile banking has the function of opening second-class accounts. Through this function, banks can conduct most business transactions with customers, and get relevant information of customers without meeting. Pulling deposits, lending and selling wealth management can all be based on this function.
In mobile banking, banks can release most new products, including loans, deposits and wealth management. Customers can view functions and process products on this platform. Mobile banking is a platform where banks publish products and customers trade on this platform. This can avoid ignoring the latest products released by the bank because customers don't come to the outlets.
The above only lists some functions of vigorously promoting mobile banking, and of course there are others, such as obtaining customer data and analyzing customer behavior. I think the above four points are the reasons why banks vigorously promote mobile banking. As for the tasks assigned by the bank, the account manager is rewarded. These reasons are all appearances, and they are all incentives made by bank executives to realize the above four functions.
Bank research monk, you study and I'll follow.
With the development of internet technology, banks have launched mobile banking, which can provide customers with financial services such as information inquiry, transfer and remittance, payment, credit card, fixed deposit and exchange, third-party depository, message customization, investment and wealth management, account management, fund collection among multiple bank cards, personality setting and so on, which can meet customers' daily financial needs. It can be said that basically all mobile banking that can be done by bank counters can be done, except for a few real-name authentication (such as changing passwords and binding mobile phone numbers, etc.). ) and cash withdrawal service.
In other words, a mobile phone bank can replace about 80% of the business of bank counters, and it works 24 hours a day. If all bank users are skilled and used to using mobile banking, banks can dismiss many hall staff and save countless labor costs. The cost of developing a mobile phone bank and the labor cost saved will be day by day. Therefore, banks must vigorously promote mobile banking for their own interests.
In order to promote mobile banking, banks often issue various indicators to front-line employees, asking them how many new mobile banking accounts they need to complete within the specified time, and they can get certain rewards (such as a 20 yuan or 30 yuan). If they fail to do so, your performance salary will be deducted, and even personal promotion will be affected. Therefore, we will often encounter the situation that you are required to open a mobile banking service and use a sum of money in the bank lobby (only using a sum of money can activate the account). Therefore, the staff in the lobby are also struggling, knowing that the more users of mobile banking, the fewer employees they need, and the greater the probability of facing unemployment, but they still need to be promoted.
Bank employees recommend customers to use mobile banking. There is no intrigue, and there is no ulterior motive.
I believe that as a modern financial consumer, we must keep an open mind, keep pace with the times, dare to use modern scientific and technological means and tools to improve the efficiency and convenience of business handling. Using mobile banking has at least the following advantages.
You don't have to queue up at bank outlets, which saves running expenses and grinding soles.
Can handle business 7×24 hours, not limited by time and space.
Mobile banking can handle most personal businesses, such as transfer, payment, credit card repayment, purchase of treasury bonds, funds, precious metals and other wealth management products.
Reducing contact with cash reduces the risk of loss and theft.
Above, we discussed various benefits from the perspective of financial consumers. Some people may dismiss it, or refuse it with a stubborn and conservative attitude. How to solve this problem?
We can go back and think about it. Did you accept Alipay and Yu 'ebao ten or eight years ago? Do you accept wechat and change your visa? Today, if anyone can't use a smart phone, Alipay or WeChat, I believe that he will be laughed at when he goes to a food stall to buy food. In the same way, it can be said that you don't need mobile banking in the future, just like you don't need Alipay and WeChat now, it will inevitably bring a lot of inconvenience to your financial consumption.
Of course, to explain this problem, we can't completely say that banks have no self-interest.
By promoting the mobile banking APP, banks can reduce the workload of physical business outlets, reduce operating costs, improve the use viscosity and conversion costs of depositors, lay a customer foundation for expanding business, and ultimately serve the goal of improving bank performance.
This is the essence of market economy, as Adam Smith said: "Self-interest objectively made an altruistic journey". What is good for me is good for you, good for service providers and financial consumers, and it also improves the efficiency of the whole society.
So, now that you know what it is and why it is, there is nothing to hesitate about. Boldly embrace new technology! If a person does not use new tools, he will only become more and more out of touch with the times.
Bank staff really like to promote mobile banking APP. I remember when I first applied for a bank card, I was recommended to download and use the mobile banking app. Later, it was directly uninstalled due to various inconveniences.
As a traditional financial institution, banks are now facing tremendous pressure, mainly because of the rapid rise of internet financial technology companies, which makes traditional banks find that they can still make money in this way. In addition, banks also hope to make progress in internet finance by increasing the number of people using mobile banking.
Banks also need transformation and upgrading to evolve, and mobile banking is the first step towards the Internet finance industry. In addition, promoting the mobile banking of your own bank can also reduce the operating pressure of bank branches, reduce store expenses and save costs. Many operations in banks can be done directly in mobile banking.
In addition, the promotion of mobile banking by bank staff is also related to the performance pressure of banks. If the head office wants to promote mobile banking, it needs to assign tasks to branches and achieve certain performance to meet the requirements of the head office, so the bank staff also need to promote it at this time.
Internet finance has actually entered people's lives. As one of them, mobile banking is bound to be applied and vigorously promoted by modern banks. Then as a professional, applying and mastering mobile banking is the basic ability of professional quality and accomplishment. At the same time, as people who leave the workplace, we should also learn internet finance, at least mobile banking is something we must master. This is mainly because our life can not be separated from the bank, that is, after we retire, retirement wages, manuscript fees, rent, patents, dividends, transaction income and expenditure, etc. It is also a part of our life.
As a traditional bank, you must go to the bank counter or the bank self-service equipment to operate. But with the progress of science and technology and the development of banking software in China. Provide us with very convenient and fast service. As long as you have a smart phone, you can download the mobile banking aPP. According to the guidance of bank staff, most professionals can operate on their own in a very short time. As a retiree, mobile banking is easy to learn to operate if you have previous trading experience such as U-ton or cipher, because mobile banking is an upgraded version of previous banking tools and also embodies artificial intelligence. As long as you operate it several times, record the operation process with notes and follow the recorded process, it should be used soon. In addition, mobile banking is also an idea and practice of people. Many people, especially after retirement, think that they have completed the tasks and competition in life, work and workplace. In fact, this is a period of underdeveloped economy in the past. Social division of labor makes occupations very specific, and it also fetters people's thoughts and hinders people's motivation to learn and adapt to re-learning. Therefore, I have also developed the habit of thinking that it is not my own business and having someone to handle the salary and bonus. But with the development of society, especially the improvement of people's quality of life. Life after retirement should be basically the same as a person's time and career. In addition, some people are still exerting their residual heat and continuing to participate in social activities, so the exchange of funds is also an inevitable activity, and it takes a long time. If you don't understand internet finance, it should be said that it is difficult to move. Mobile banking is the intimate little cotton-padded jacket that comes into our lives. Holders can complete all the business of traditional banks without leaving home, that is, cash business can also be realized through other payment methods, such as transferring mobile banking deposits to WeChat or Alipay. Continue the consumption of basic life on WeChat and Alipay. Mobile banking is also linked to the cardholder's own debit card and credit card, and can also complete cash business operations through bank self-service equipment. Credit card repayment can also be achieved through mobile banking.
In a word, Internet finance has entered our life, and mobile banking is one of them. Its convenience is closely related to our life, just like breaking enough paper at a time. Dare to learn, I believe you will create a new life for professionals again.
I will simply answer and point out the main core points.
First, the use of mobile banking can greatly reduce the workload of bank outlets, banks can set up fewer outlets and employees, and greatly reduce operating costs.
Second, the promotion of mobile banking is the basis for banks to launch new retail, which can effectively increase the stickiness of customers. On the one hand, users can continue to use bank services through intimate services, on the other hand, they can carry out value-added services on this basis, such as promoting wealth management products and selling insurance. Even money or something.
Third, this is a task assigned by the bank. There will be rewards for completion, and there will be penalties for failure, so the employees of the outlets can only try their best to complete the task.
Of course, we also have many advantages in opening mobile banking. Some businesses can be handled by themselves without runway outlets, saving a lot of time. On the one hand, there are many advantages online, such as free inter-bank transfer and using points, which is a win-win situation.
what do you think?
Bank staff always recommend mobile banking for the following reasons:
First, from the strategic development of banks, banks should promote mobile banking. Using mobile banking can handle all kinds of banking business conveniently. In order to improve competitiveness and save costs, banks have developed many functions of mobile banking, and need to guide customers to use mobile banking to handle business.
Second, in order to achieve the strategic objectives mentioned in Article 1, there are tasks in bank assessment. The higher-level bank hands over the task of promoting banking products to the lower-level banks. Mobile banking is also one of them. Therefore, bank tellers and lobby managers will lose no time to introduce mobile banking to you.
Third, teaching customers mobile banking can reduce the pressure on front desk tellers. There are so many physical outlets of banks. If the customer goes to the bank counter to handle all the business, how much labor and cost will it increase?
Fourth, it is convenient and fast for customers to use mobile banking, which is worth having. The functions of mobile banking are quite complete, including account management, transfer and remittance, financial investment, special services, savings deposit, credit card, living payment, loan business, transaction details inquiry and so on.
In order to encourage customers to use mobile banking, some banks have also launched various preferential activities. For example, there is no charge for cross-bank transfer at the bank counter, and there is no charge for cross-bank transfer at mobile banking.
Since you can handle so many businesses in mobile banking, saving time and effort, is it not necessary to go to the bank's physical outlets?
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Chief Investment Officer Commentator Yan Dong:
In the last two years, the efforts of banks to promote mobile banking have obviously decreased. In recent years, whenever I go to the bank to handle business, I will ask if there is a mobile phone bank, and then say that I will send one for free.
I don't dislike it. In the past, banks always promoted some insurance, wealth management and funds. I have some resistance, but I don't dislike this. Mobile banking and online banking have really facilitated our lives. Many businesses that used to have to queue at the counter for half a day may now be done on the mobile phone 1 minute, which undoubtedly greatly reduces our time cost.
Then, from the bank's point of view, why do you spare no effort to promote mobile banking and even handle it for you for free? After all, security tools also cost money. Why are banks so generous? In fact, in the long run, from the perspective of a bank's grand strategy, we can stabilize a certain customer base in the era of electronic payment. When customers get used to your system, they will generally form a certain degree of customer loyalty, and everyone's functions are similar. Of course, they still tend to use the products of banks they are familiar with; Secondly, this is part of the bank's strategy to promote its own transformation. Branches are advocated by all banks. Network cable is not only inefficient, but also has high operating cost. Many outlets are unnecessary, so the outlets can be abolished by moving the business to mobile phones and computers, so the remaining operating costs are not a little bit.
However, sometimes outlets spare no effort to promote sales, mainly for various reasons: First, since the target of the head office has been set, the wages of grass-roots employees are naturally related to the number of online banking, so it is natural to try their best to promote mobile banking for their own money bags; Second, it is true that the pressure above is too great, and the online stores below are also very helpless. Every year, the head office will give the provincial banks task indicators, and the provincial banks will allocate them one after another. A friend of mine went to work in the head office of one of the four major banks, and when he had dinner again, he also talked about the tasks they assigned to their subordinates. At that time, he said that a branch of a small county with a population of 200,000 would open 500,000 mobile banking businesses a year. At that time, people's branches quit, so they directly called the head office to complain, forcing everyone to open and close and then open the rhythm, which invisibly caused a lot of waste, not only the waste of materials for dynamic passwords, but also a great waste of manpower.
The promotion of mobile banking is a good thing, but sometimes decision makers don't understand the situation, and the act of screwing up the indicators is worthy of criticism, and what they think is unreliable.
Mobile banking is more and more accepted by young people because of its convenience and ease of use. Every time I go to the bank to do business, the bank staff spare no effort to recommend mobile banking. Besides convenience, what are the reasons?
First of all, the promotion of mobile banking can reduce the workload of bank tellers. You must have noticed that people who go to the bank counter now are either older, or some businesses cannot be handled through ATM machines or self-service terminals, while many routine businesses such as deposit and withdrawal, opening new cards and purchasing wealth management products are handled through self-service terminals or mobile banking. So this objectively saves the bank's manpower input. However, there are still many people who don't understand mobile banking and haven't opened it yet. So they want to optimize the labor cost as much as possible, so they will always recommend you to use mobile banking.
Secondly, the requirements of work tasks. At present, the assessment of banks is an enterprise assessment mechanism. Therefore, bank staff have various indicators to assess, and promoting the application of mobile banking APP is also one of their assessment indicators. Therefore, they will make every effort to recommend it.
Third, the fierce competition among peers makes them try their best to seize customers. Customers are an important resource for banks. Therefore, many banks and companies cooperate to make the salary card must be used by one bank, which is to rob customers. Similarly, the use of mobile banking is becoming more and more convenient now. Banks must catch customers who have never used mobile banking as soon as possible. Otherwise, customers who use other bank apps may become permanent customers of another bank. Get customers, get the world, and so does the banking industry.