直销银行创新服务的思考

Thoughts on Innovative Service of Direct Bank

直销银行是传统商业银行进军互联网金融的试水之作,其业务模式、功能定位有别于手机银行和网上银行,并随着互联网的飞速发展、人们需求的不断变化被创造、衍生出新功能。笔者认为当前直销银行宜从优化绑卡流程、设立等级称号并且设置对应权限、搭建众筹平台、设立直播互动平台等方面来改善客户体验较差的局面,维持用户的新鲜感。

The direct selling bank is the traditional commercial bank to enter the Internet financial test water, its business model, function positioning is different from the mobile banking and Internet banking, and with the rapid development of the Internet, people demand changes are created, derived new function. I believe that the current direct marketing banks should be optimized from the tie card process, set the title of the rank and set the corresponding permissions, build a public platform, set up interactive interactive platform and other aspects to improve the customer experience poor situation, to maintain the user＇s freshness.