What functional areas should be included in a bank business hall?

Take the Jinan Yinhe Branch of the Agricultural Bank of China as an example.

In the bright business hall of Jinan Yinhe Branch, there are customer guidance areas, intelligent service areas, precious metal product display areas, cash and non-cash service areas, VIP service areas and other areas to conduct various customer inspections. Effective diversion. Customers browse Weibo, read news, drink coffee, and handle business in an orderly manner in the lobby. The entire business hall is in order.

The smart robots in the lobby and the ATM machines in the self-service area that allow you to deposit and withdraw money by just scanning your face have attracted most customers to stop and experience it. The renovated Jinan Yinhe Branch highlights the following three major features in terms of "smartness":

First, "smart" channel access. Make full use of the open, interconnected and intelligent characteristics of information technology to achieve efficient collaboration between various electronic channels such as online banking and mobile banking, as well as between electronic channels and physical outlets, providing customers with "anytime, anywhere, one trigger, multiple points "One-stop" financial services with docking and full collaboration.

The second is "intelligent" customer experience. From "product-centered" to "customer-centered", smart devices such as smart navigation desks, interactive coffee tables, and mobile phones with the same screen will more respect customers' independent choices and improve the technology, intelligence and information added value of products and services. Created a new customer experience.

The third is "intelligent" customer management. Based on the application of cloud computing processing technology, the facial recognition system mines and analyzes massive customer information and transaction data, and has a keen insight into customer behavior patterns, consumption concepts, and risk information, providing a basis for the implementation of precise customer marketing, product customization, and risk management. .

Extended information:

Faced with the future trend of intelligence in the service industry, Agricultural Bank of China Shandong Branch continues to deepen the transformation of branch operations and upgrade traditional branches to "intelligent services". The model has been transformed and upgraded from "counter-centered" to "customer-centered". Customers can independently handle personal business, online appointment queuing, Internet pre-filled forms, self-service card issuance, etc.

At the same time, we will keep up with the pace of upgrading customers’ financial service needs, fully apply financial technology, leverage the power of financial technology to proactively transform, accelerate the construction of smart banking service models, effectively reduce financial service thresholds and costs, and improve financial coverage. and accessibility, practice the concept of inclusive finance, and achieve its own sustainable development.

People's Daily Online - Another smart bank from Agricultural Bank of China debuts in Quancheng