Some learning by banks
Internet is one of most cost effective channel of conducting banking operations. It is estimated that Internet banking offers up to minimum of 60% cost saving over normal offline banking. But this numbers keep changing especially in web 2.0 environments.
Bankers across the world have realized that customers using online banking offer relatively loyal customers to the bank. But can they take this for granted, as new online financial service community is posing strong threats?
According to Gartner, on an average, companies save about 45 cents every time they send an account statement electronically instead of by paper mail. A bank that sends monthly account statements by paper mail to 5 million customers would spend $27 million more than if it sent electronic statements.
Branch managers across the globe have realized that Internet banking offers is not a hindrance or competition to their business growth, but it complements the operations as it actually reduces the excessive burden of servicing customers.
Banks are offering customized reporting for customers to analyze their income, expenditure items and this helps individual families to study and budget their spending from e-banking statements. But bankers need to watch as to how many percent of customers actually use these flashy customized gadgets or are they spending money at wrong places.
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