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| Solutions in the financial field |
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Following by the development of financial indutry and variation of financial environment, all major banks introduced innovation in their branches, put in practice of refinement of management measure like separating business in levels and functions in areas, reducing the processes etc., improve the service of the branches. The services of financial message also reach a new level – most richness and fastest information means highest efficiency and biggest profit.
The branches, as the main channel for the banks provide services, play a very important role in realizing the bank’s strategy, attracting good clients, improving bank’s performance; In the mean time, expensive operating cost makes the banks pay lots attention to the channel development and allocation of the branches, in order to increase the rate of return on investment.
The battle for the customers, the transformation of businss pattern and adjustment of profit model are coming soon… commercial banks in China are facing challenges that never had before.
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 Research of overall arrangement in branches and function area division |
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Branches of commercial banks in Chinam are in the full transformation period, constructions of branches are toward the new system. The functional area division of the branches with new system as: self-service area, personal service area in cash, personal service area non-cash, business service area in cash, business service area non-cash, VIP area, propaganda area, information desk, waiting area, offices area etc.
When we are designing the whole solution for the branches we will firstly take into consideration of the divisional character of the branches, and then combine them scientifically. Through the communication with the people in charge of the transformation in the branches, integrate reality of the branches; Winonetech classify and generalize the braches subtly, design the simplified model, roughly divide into three types:
 Mini branches Medium-sized branches Large-scale branches
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| Research of client’s path and major attach point |
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Path: means the route after the customer enter in the branches, because the difference in business requirements, the route and the time to stay in the bank will be different.
Attach point: means the main attachment that happens between the clients and the bank staffs or goods, bank’s marketing promotional system, customer service system and VI standard system are manily reflecting in these attaches.
The premise of building the perfect marketing promotional system, customer service system and VI standard system is hasing a scientific knowing of the clients’path and attach points.
Drawing of Path and attach points in self-service bank
Drawing of Path and attach points for common personal clients
Drawing of Path and attach points for common business clients
Drawing Path and attach points for E-bank
Drawing of Path and attach points in VIP area in cash
Drawing of Path and attach points in VIP area in non-cash
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| The challenges the bank’s branches facing |
We believe, if the working result of the marketing promotional system, customer service system and VI standard system of the branches could be as expected depends on four factors, the solutions in whole could be reasonable ones only take into consideration all these four factors.
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| Design procedures of DMB branches’ whole solutions |
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We think, the commercial banks in China could promote the transformation of branches wholly by using the informationize of IT, carry forward the building of normalized marketing promotional system. The marketing promotional system in branches must be networked and digitalized:
（1）Networked: assist the branches to move towards the Internet journey.
DMB branch’s whole solution, use modern Internet technoloty eliminate the malpractice of each does things in his own way, trouble of management in each branches. With this solution, bank’s could control remotely and manage uniformly all branches’ marketing promotional system and VI standard, solve complicated problems with advanced technology.
（2）Digitalized: Assist the branches to go towards digital journey.
DMB branch’s whole solution, with morden IT technoloty realize the wholly digitalized in the disposing and applying the bank’s marketing promotional system, assist the banks to go towards the new journey of digitalized.
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Finance