微信号:bigdatalab

介绍:宽客俱乐部旗下美国大数据实验室,大数据研究应用.

银行业的大数据:银行如何从客户数据中获得更大的价值?

2015-11-02 08:52 大数据实验室

信息和数据将是每个行业的一个卓越的磨刀石。这是大数据时代,每一个专业的依赖于访问数据分析,海量数据管理和变更。大数据分析发现了更大的共振在银行和金融业的大多数银行单位确定通过创建使用数据采集技术需要以客户为中心的解决方案。


然而,令人惊讶的看到,银行和相关部门在处理客户面临巨大的挑战,即使他们有大量关于客户的信息。消费者越来越多地转向在线渠道和移动端去管理他们的金融相关业务,这使得银行来管理这一庞大的资料量更难。


为什么银行面对竞争?


令人惊讶的是,只有37%的银行实施的第一手经验大数据技术为提高运营和消费者利益。他们无法利用这些数据和实施牟利。在这个激烈竞争的主要原因是分析人才的缺乏,因为数据是无用的技能分析。


除了分析能力不足,以下是一些银行所面临的问题:


  • 无法分析大型数据集。

  • 数据孤立。

  • 实时分析。


是谁接管银行?


有一段时间,金融机构当唯一负责各类企业和个人的支付。现在,非银行金融机构与银行业的竞争,以优秀的数字的发明,作为一个结果,正在推动核心银行集团。领先的例子今天是支付宝,这是一种支付网关为您所有的网上银行交易。


同样,许多非银行做出了更轻松的生活,引入个性化的钱包,让客户购买直接从他们的登录和获得难以置信的折扣和优惠。公司如Twitter、苹果和谷歌,成为最大的银行巨头们对在线支付,使购物者浏览他们的帐户支付。他们最近推出了自己的虚拟借记卡跟上移动应用程序。这种ATM钱包的功能就像一个真正的借记账户,带来每年超过一百万用户。


非金融性公司的不断崛起,照顾消费者的金融业务是一个严重的威胁,而且这种差距需要尽早封闭。


银行如何能从客户数据中获得更大的价值?


而顾客满意是优先的,整个银行业已经进入战场,争取自己在社会中的地位!为了赢得这场战斗的最佳策略是找到并聘请大数据专家和管理,计算,物流技能和统计人才。


他们需要保护自己免受网络巨人谷歌支付和支付宝支付。 只是给互联网金融期权是不够的;必须有客户从你的银行利润最大化的一些例外的创新。现有基础和后发优势的银行能带来更好的结果。


银行需要综合业务与新的数字设备和给客户一个清晰的了解,如何在哪里买。提供一流的服务是最终的选择,银行可以提供,应对私人,非银行部门。更快地访问他们的钱包,更提供在线网站,丰硕的cashbacks,更好的方法管理资金和投资可以吸引人们的兴趣,对使用银行服务的数字支付。


研究表明,银行实施大数据分析有4%的在市场份额比别人和更高水平的客户满意度。


美国银行:第五大商业银行在美国,这个单位已经安装了一个通过多通道数据转换解析最大化分析方案。它的目的是将数据从在线和离线路线流入银行的CRM解决方案,为员工提供相关线索。这提高了超过100%转化率,为消费者提供更加个性化的体验。


欧洲银行:中层欧洲银行最近开发出一种“储蓄倾向”的模式,让消费者投资节能产品的节能率计算为大约1500000客户。该模型已经产生在两个月的时间在转换增长率增加200%。


作为行业之间的界线模糊,周围的一切,金融服务将在消费者心目中产生新的意义而且。是一个有利可图的行业,银行不能仅仅依靠提供账户和资金存取。这个领域的未来将取决于其提供服务,帮助客户节约和更好地管理钱和他们的日常生活能力。


英语原文:


Dealing with information and data is turning out to be a preeminent grindstone in every sector. This is the age of big data, where every professional relies on Data Analytics for accessing, managing and altering huge volumes data. Big data analytics has found greater resonance within the banking and finance sectors since most banking units have identified the need to create customer-centric solutions using data gathering techniques.


However, it is astonishing to see that banks and the related sectors are facing stringent challenges in dealing with customers, even though they have an extensive amount of information about their customers. Consumers are increasingly turning to online channels and mobiles for their finance related operations and this is making it harder for banks to manage this enormous amount of data.


Why are banks facing Competition?


Surprisingly, only 37% of banks have firsthand experience with implementing big data technology for improved operations and consumer benefits. They are unable to exploit this data and act upon it for profit making. The major reason behind this cut-throat competition is the lack of analytic talent, because Data is useless without skills to analyze it.


Apart from shortage of analytical skills, the following are some of the problems faced by banks:


Inability to analyze large data sets.


Data silos.


Real time analytics.


Who is taking over banking?


There was a time when finance institutions were the only ones responsible for all kinds of business and personal payments. Now, non-banking organizations are competing with banking industries, with outstanding digital inventions which, as a result, are pushing the core banking groups to the bottom. The leading example today is Paypal, which is the number one payment gateway for all your online banking transactions.


Similarly, many non-banks have made lives easier by introducing personalized wallets that let customers buy directly from their login and receive incredible discounts and offers. Companies like Twitter, Apple and Google, are becoming the biggest banking giants for online payments, enabling shoppers to navigate through their accounts for payments. They have recently launched their virtual debit cards for keeping up with mobile app. Such ATM wallets function like a real debit account, bringing in more than a million users each year.


The continuous rise of non-banking companies, taking care of consumer’s finance operations is a serious threat, and this gap needs to be closed at the earliest.


How can Banks derive greater value from Customer data?


While customer gratification is the priority, the whole banking sector has to enter the battle field and fight for their position in society! The best strategy to win this battle is to find and hire big data experts and professionals skilled in management, calculations, logistics, and statistics.


They need to defend themselves against web titans like Google Pay and Paypal. Just giving the option of internet banking is not enough; there have to be some exceptional innovations for customers making the maximum profit from your banks. Prior groundwork and post-advantages of banking can bring better results.


Banks need to synthesize their operations with novel digital devices and give customers a clear picture of what, how and where to buy. Providing top-notch services is the ultimate option banks can provide, to cope with private, non-banking divisions. Faster access to their wallet, higher offers on online websites, fruitful cashbacks, better ways of managing money and investments can draw people’s interest towards using banking services for digital payments.


Research shows that banks that implement big data analytics have a 4% lead in the market share compared to others and a greater level of customer contentment.


U.S. Bank: Fifth largest commercial bank in the US, this unit has installed an analytic solution to maximize lead conversions through multi-channel data. It aims at integrating data from online and offline routes and feed into the bank’s CRM solution, providing employees with relevant leads. This has increased the lead conversion more than 100%, offering consumers a more personalized experience.


European Bank: A middle-level European bank has recently developed a ‘propensity to save’ model, allowing consumers to invest in saving products by calculating the saving probability for around 1.5 million customers. The model has generated an increase of 200% in conversion growth rate within two month’s time.


As the lines between industry sectors blur all around, financial services will take on new meaning in the minds of consumers – and perhaps very quickly. To be a profitable sector, banks cannot simply rely on providing accounts and access to funds. The future of the sector will depend on its ability to provide services that help customers save and better manage money in their everyday lives.


(36大数据专稿,原文作者:Vaishnavi Agrawal 本文由36大数据翻译组-欧显东翻译)





公司调研报名

  • 蔬果生鲜领域的互联网+的模式,是国内最早的一家农业领域互联网+企业。

  • 预计2016年新三板挂牌上市,目前股价3.5元每股,挂牌上市后的溢价收益预期3-10倍以上,投资周期1-2年。


第一次调研已经于10月25日顺利完成,现场就有投资人签约投资。

第二次调研时间:11月5日(周四,当天回上海)

出发地:上海

目的地:无锡


全程免费,有精美礼品赠送,只限投资人参加,谢绝经纪、中介、咨询等公司人员报名。

如需参加调研,请加宽客俱乐部微信13061694649报名,并将身份证号码(用于购买高铁票)、手机、名片发给该微信号。





详情请点击”阅读原文“


 
大数据实验室 更多文章 用户画像数据建模方法 李光斗:警方是如何利用大数据抓到王全安的 降楼价,新加坡居然靠的是无人驾驶! 小数法则和经验主义 什么性格的人适合 Quant 这个职位?能否描述一下 Quant 一天的生活是怎样的?
猜您喜欢 Effective Refactoring in C++ (1) 程序员是注定灭绝的一个物种? 我是如何将一个项目做烂的··· 互联网效果广告与品牌广告的概念 12个鲜为人知的CSS技能(上)