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(摘自总行渠道管理部课题组《互联网金融下的跨行业渠道竞争》研究报告)时下的互联网金融是一部分金融业务在互联网接入便捷性极大提高和数据处理技术极大进步的背景下,依托互联网企业线上接口和创意产品,由线下的面对面交易向互联网线上交易快速迁移的结果。从本质上来说,是依托于新技术和产品的渠道创新,因此,互联网金融下的银行与电商等企业的竞争,实质上是跨行业的渠道竞争。互联网跨行业渠道竞争对商业银行渠道建设的启示主要有:1.学习互联网思维聚焦客户需求与
(From the Head Office channel management group “Internet finance under cross-industry channel competition” research report) Nowadays, the Internet finance is part of the financial business in the Internet access greatly improved accessibility and data processing technology in the context of great progress, relying on Internet business online interface and creative products, the result of a rapid migration from online to offline face-to-face online transactions. In essence, it relies on channel innovation of new technologies and products. Therefore, the competition between banks and e-commerce companies under Internet finance is essentially a cross-sectoral competition. Internet cross-industry channel competition Commercial banks channel construction inspiration are: 1. Learning the Internet to focus on customer needs and thinking