Why do some bank staff always recommend mobile banking?

Recently, some residents reported that as soon as they went to the bank to do things, some staff always recommended the bank's mobile APP.

Why do some bank staff always recommend mobile banking?

Recently, some residents reported that as soon as they went to the bank to do things, some staff always recommended the bank's mobile APP. In this regard, some experts pointed out that this is mainly due to the strategic development of banks, and the use of mobile banking can easily handle various banking businesses. In order to improve competitiveness and save costs, banks. Because banks have developed many mobile banking functions, it is necessary to guide customers to use mobile banking to handle business.

However, we believe that banks vigorously promote mobile banking, mainly based on the following factors: First, recommending mobile banking makes customers more convenient and efficient, and customers have to wait in line at the bank every time they handle business. On the one hand, mobile banking can break through the limitations of time and space, and many businesses can be handled 24 hours a day. The efficient function of mobile banking can improve the user experience, increase user satisfaction, and ultimately bring more benefits to the bank.

On the other hand, compared with traditional offline banking outlets, mobile banking has obvious advantages, such as transfer and remittance, payment of traffic fines, gas charges, electricity charges, heating charges, telephone charges, balance inquiry, password modification and service opening. It can be said that at present, more than 90% of the business of bank outlets can be completed through mobile banking. Since it saves time and effort to handle so many businesses in mobile banking, there is no need for young and middle-aged customers to go to the bank's physical outlets to handle affairs.

Moreover, when more than 90% of customer business can be handled by mobile banking, banks can greatly reduce physical outlets and staff, and through this way of reducing costs and increasing efficiency, the performance of banks can be greatly improved. At the same time, banks can also complete the transformation from traditional banks to modern banks. In order to recommend mobile banking and reduce the work pressure of physical outlets of banks, banks also recommend various preferential activities, for example, handling inter-bank transfer charges at bank counters, while handling inter-bank transfer charges at mobile banking is free.

Finally, some bank staff desperately recommend mobile banking to customers, and another reason is to complete the indicators. In order to occupy the market, some banks set the target of registered users of mobile banking every year, and then allocate the target to provincial banks, provincial banks to branches, branches to sub-branches, and sub-branches to responsible persons. This target is often a hard task and directly linked to performance bonuses.

For ordinary bank employees, once the leaders divide the tasks, they have to do their best. Generally speaking, you will earn tens of dollars to complete a registration, but if you can't complete the task, life will be very difficult. In addition to deducting bonuses, your impression in the minds of leaders will be greatly reduced, and even other interests such as promotion and selection will be directly affected. Therefore, even if bank employees are unwilling to promote mobile banking, the indicators assigned by the leaders must be completed.

Bank staff always try their best to recommend mobile banking to banks, which not only reflects that as long as users learn to use mobile banking, they will carry out business faster and more efficiently, but also will do more business in the future as long as they are beneficial to customers and satisfy them. In addition, everyone has gone to mobile banking to handle business, and offline physical outlets can be greatly reduced or laid off, so that banks can save a lot of money. Of course, bank staff desperately recommend mobile banking, mainly because they have the ability to complete the indicators issued by their superiors. If the goal is achieved, the work will be stable, but if it is not completed, it will not only deduct the bonus, but also bring a bad impression to the boss.

I worked as an account manager and promoted mobile banking. I also worked as a product manager and participated in the design of some functions of mobile banking. I still have deep feelings for mobile banking. As for why banks always recommend mobile banking, I think this is just a representation of banks' implementation of Internet strategy, and the bigger layout lies in the antenna (channel) function of mobile banking. Let me talk about why banks strongly recommend mobile banking from several aspects.

I have to admit that banks have fallen behind when the mobile Internet started. The so-called "power financial technology" you see now is just the catching-up posture of giants represented by Tencent and Ali. Almost all banks have linked their strategic positioning with the Internet. Mobile banking is the first tool to implement this strategy. In the past, banks relied on the layout of physical outlets to win, but now almost no one goes to outlets to handle business, and the advantages of physical outlets are gradually replaced by the Internet.

Everyone can check it on their mobile phones. Most people only have one bank's mobile banking on their mobile phones. The number of mobile banking in two banks has decreased significantly, and the number of mobile banking in three or five banks is even smaller. This phenomenon shows that a person is used to mobile banking. If this bank recommends mobile banking, you already have mobile banking in other banks, and it is actually difficult for you to accept the new mobile banking at this time. Therefore, this is also because banks are afraid that other banks will take the lead.

In the past, people went to outlets to handle business, and outlets were the channels for banks to obtain customers, so banks attached importance to the creation of services and environment. Now mobile banking is replacing the role of physical outlets and playing the role of acquiring customers. Mobile banking has the function of opening second-class accounts. Through this function, banks can conduct most business transactions with customers and obtain relevant information of customers without meeting each other. Pulling deposits, lending and selling wealth management can all be based on this function.

In mobile banking, banks can release most new products, including loans, deposits and wealth management. Customers can view functions and process products on this platform. Mobile banking is a platform for banks to publish products, and customers conduct transactions on this platform. This can avoid ignoring the latest products released by the bank because customers don't come to the outlets.

The above only lists some functions of vigorously promoting mobile banking, and of course there are other functions, such as obtaining customer data and analyzing customer behavior. I think the above four points are the reasons why banks vigorously promote mobile banking. As for the tasks assigned by the bank, the account manager is rewarded. These reasons are all appearances, and they are all incentives made by bank executives to realize the above four functions.

Bank research monk, you study, I will follow.

With the development of internet technology, banks have launched mobile banking, which can provide customers with financial services such as information inquiry, transfer and remittance, payment, credit card, time deposit and exchange, third-party depository, message customization, investment and wealth management, account management, fund collection among multiple bank cards, personality setting and so on, and can meet customers' daily financial needs. It can be said that except for a few real-name authentication (such as changing passwords and binding mobile phone numbers, etc.), basically all mobile banking that can be done by bank counters can be done. ) and cash withdrawal service.

In other words, mobile banking can replace 80% of the business of bank counters and work 24 hours a day. If all bank users are skilled and used to using mobile banking, banks can fire many hall staff and save countless labor costs. The cost of developing mobile banking and the labor cost saved will be higher every day. Therefore, banks must vigorously promote mobile banking for their own interests.

In order to promote mobile banking, banks often issue various indicators to front-line employees, asking them to complete how many new mobile banking accounts within a specified time, and they can get certain rewards (for example, a trip to 20 yuan or 30 yuan). If it is not completed, your performance salary will be deducted, and even your personal promotion will be affected. Therefore, we will often meet the situation that you are asked to open mobile banking and use a sum of money in the bank lobby (only using a sum of money is an activated account). Therefore, the staff in the lobby are also very hard, knowing that the more users of mobile banking, the less employees they need, and the greater the probability of facing unemployment, but they still need to be promoted.

Bank employees recommend customers to use mobile banking. There is no conspiracy and conspiracy, and there is no ulterior motive.

I think that as a modern financial consumer, we must keep an open mind, keep pace with the times, dare to use modern scientific and technological means and tools to improve the efficiency and convenience of business handling. Using mobile banking has at least the following advantages.

You don't have to wait in line at the bank outlets, which saves running expenses and the cost of grinding soles.

Can handle business 7×24 hours, not limited by time and space.

Mobile banking can handle most personal business, such as transfer, payment, credit card repayment and purchase of national debt, funds, precious metals and other wealth management products.

Reducing contact with cash can reduce the risk of loss and theft.

Above, we discussed various benefits from the perspective of financial consumers. Some people may disdain it or refuse it with a stubborn and conservative attitude. How to solve this problem?

We can go back and think about it. Did you accept Alipay and Yu 'ebao ten or eight years ago? Do you accept WeChat and change pass? Today, if someone can't use smart phones, Alipay and WeChat, then I believe he will be laughed at when he goes to a food stall to buy food. In the same way, it can be said that you don't need mobile banking in the future, just like you don't need Alipay and WeChat now, it will inevitably bring a lot of inconvenience to your financial consumption.

Of course, to explain this problem, we can't say that banks are not self-interested.

By promoting mobile banking APP, banks can reduce the workload of physical business outlets, reduce operating costs, improve the use viscosity and conversion costs of depositors, lay a customer foundation for expanding business, and ultimately serve the goal of improving bank performance.

This is the essence of market economy, as Adam Smith said: "Self-interest is objectively an altruistic journey". What is good for me is good for you, which is good for service providers and financial consumers, and also improves the efficiency of the whole society.

So, since you know what it is and why it is, there is nothing to hesitate about. Boldly embrace new technology! If a person can't use new tools, he will only become more and more out of touch with the times.

Bank staff like to promote mobile banking applications very much. I remember when I first applied for a bank card, I was recommended to download and use the mobile banking app. Later, it was directly uninstalled due to various inconveniences.

As a traditional financial institution, banks are now facing great pressure, mainly because of the rapid rise of internet financial technology companies, which makes traditional banks find that they can still make money in this way. In addition, banks also hope to make progress in internet finance by increasing the number of people using mobile banking.

Banks also need transformation and upgrading to evolve, and mobile banking is the first step towards the internet finance industry. In addition, promoting the mobile banking of your own bank can also reduce the operating pressure of bank branches, reduce store expenses and save costs. Many operations in banks can be done directly in mobile banking.

In addition, the promotion of mobile banking by employees within the bank is also related to the performance pressure of the bank. If the head office wants to promote mobile banking, it needs to give each branch a task and achieve certain performance to meet the requirements of the head office, so bank employees need to promote it well at this time.

Internet finance has actually entered people's lives, and mobile banking, as one of them, must be applied and vigorously promoted by modern banks. As a professional, applying and mastering mobile banking is the basic ability of professional quality and accomplishment. At the same time, as people who leave the workplace, they should also learn internet finance, at least mobile banking is something we must master. The main reason here is that our life can not be separated from the bank, that is, after we retire, retirement wages, manuscript fees, rent, patents, dividends, transaction income and expenditure, etc. , is also a part of our lives.

As a traditional bank, we must go to the bank counter or bank self-service equipment to operate. But with the progress of science and technology and the development of bank software in China. Provide us with very convenient and fast service. As long as you have a smart phone, you can download the mobile banking aPP. According to the guidance of bank staff, most professionals can operate on their own in a very short time. As a retiree, if you have previous trading experience such as bank U-ton or cipher, then mobile banking is easy to learn to operate, because mobile banking is an upgraded version of previous banking tools and also embodies artificial intelligence. As long as you operate it several times and record the operation process with a pen, if you follow the recorded process, you should use it soon. In addition, mobile banking is also an idea and practice of people. Many people, especially after retirement, think that they have completed their tasks and competitions in life, work and workplace. In fact, this is a period of underdeveloped economy in the past. Social division of labor makes occupations very specific, which also fetters people's thoughts and hinders people's motivation to learn and adapt to re-learning. Therefore, I have also developed the habit of thinking that it is not my own business and having someone to handle the salary and bonus. But with the development of society, especially the improvement of people's quality of life. People's life after retirement should be basically the same as a person's time, professional life. In addition, some people still use their afterheat to continue to participate in social activities, so exchanging funds is also an inevitable activity, and it will take a long time. If you don't understand internet finance, it should be said that it is difficult to move. Mobile banking is an intimate little cotton-padded jacket that comes into our lives. Holders can complete all the business of traditional banks without leaving home, that is, cash business can also be realized through other payment methods, such as transferring mobile banking deposits to WeChat or Alipay. Continue the consumption of basic life on WeChat and Alipay. Mobile banking is also linked with the cardholder's own debit card and credit card, and can also complete cash business operations through bank self-service equipment. Credit card repayment can also be achieved through mobile banking.

In a word, Internet finance has entered our life, and mobile banking is one of them. Its convenience is closely related to our life, just like enough paper is broken at once. Be brave in learning, and I believe you will create a new life for professionals again.

I will briefly answer and point out the main core points.

First of all, the use of mobile banking can greatly reduce the workload of bank outlets, and banks can set fewer outlets and employees, greatly reducing operating expenses.

Secondly, the promotion of mobile banking is the basis for banks to launch new retail, which can effectively increase the stickiness of customers. On the one hand, users can continue to use the services of banks through caring services, on the other hand, they can carry out value-added services on this basis, such as promoting wealth management products and selling insurance. Even funds and so on.

Third, this is a task assigned by the bank. There will be rewards if they are completed, and there will be penalties if they are not completed, so the employees of the outlets can only try their best to complete the task.

Of course, we also have many advantages in opening mobile banking. Some businesses can be handled by themselves without runway outlets, thus saving a lot of time. On the one hand, there are many benefits online, such as free inter-bank transfer and the use of points, which is a win-win situation.

what do you think?

Bank staff always recommend using mobile banking for the following reasons:

First of all, from the perspective of strategic development of banks, banks should push mobile banking. Using mobile banking can handle all kinds of banking business conveniently. In order to improve competitiveness and save costs, banks have developed many functions of mobile banking, and need to guide customers to use mobile banking to handle business.

Second, in order to achieve the strategic objectives mentioned in Article 1, there are tasks in bank assessment. The superior bank handed over the task of promoting bank products to the subordinate banks. Mobile banking is also one of them. Therefore, bank tellers and lobby managers will lose no time to introduce mobile banking to you.

Third, teaching customers mobile banking can reduce the pressure on front desk tellers. There are only so many physical outlets in the bank. If customers go to the bank counter to handle all business, how much manpower and cost will they have to increase?

Fourth, it is convenient and fast for customers to use mobile banking, which is worth having. The functions of mobile banking are quite complete, including account management, transfer and remittance, financial investment, special services, savings deposit, credit card, living payment, loan business, transaction details inquiry and so on.

In order to encourage customers to use mobile banking, some banks have also launched various preferential activities. For example, there is no charge for inter-bank transfer at the bank counter, while there is no charge for inter-bank transfer at mobile banking.

Since you can handle so many businesses in mobile banking, saving time and effort, is it not necessary to go to the bank's physical outlets?

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Chief Investment Officer Commentator Yan Dong:

In the past two years, the efforts of banks to promote mobile banking have been significantly reduced. In the past few years, whenever you went to a bank for business, you would ask if you had a mobile phone bank, and then say that you would get one for free.

I don't dislike it. In the past, banks always promoted some insurance, wealth management and funds. I have some resistance, but I don't hate this one. Mobile banking and online banking have really facilitated our lives. Many businesses that used to have to queue up at the counter for half a day can now be done on the mobile phone 1 minute, which undoubtedly greatly reduces our time cost.

So from the bank's point of view, why do you spare no effort to promote mobile banking, or even handle it for you for free? After all, security tools cost money. Why are banks so generous? In fact, in the long run, from the perspective of a bank's grand strategy, we can stabilize a certain customer base in the era of electronic payment. When customers get used to your system, they will generally form a certain degree of customer loyalty, and everyone's functions are almost the same. Of course, they still tend to use their familiar banking products; Secondly, this is part of the bank's strategy to promote its own transformation. All banks advocate branches. Network cable is not only inefficient, but also has high operating cost. Many outlets are unnecessary, so transferring business to mobile phones and computers can abolish outlets, so the remaining operating costs are not a little bit.

However, sometimes outlets spare no effort to promote sales, which is mainly due to various reasons: first, since the target of the head office has been determined, the salary of grass-roots employees is naturally related to the number of online banking, so they will naturally try their best to promote mobile banking for their own money bags; Second, it is true that the pressure above is too great, and the online stores below are also very helpless. Every year, the head office will give provincial banks task targets, and provincial banks will allocate them one after another. A friend of mine went to work in the head office of a four major banks, and then at dinner, he also talked about the tasks they assigned to their subordinates. At that time, he said that a branch of a small county with a population of 200,000 gave a business volume of 500,000 mobile banking a year. At that time, people's branches quit and called the head office directly to complain, which forced everyone to start the rhythm of closing and reopening, which caused great waste invisibly, not only the waste of materials for dynamic passwords, but also a great waste of manpower.

The promotion of mobile banking is a good thing, but sometimes the behavior of policy makers who don't understand the situation and confuse the indicators deserves criticism, and they think it is unreliable.

With its convenience and ease of use, mobile banking is now more and more accepted by young people, and every time they go to the bank to do business, bank staff spare no effort to recommend mobile banking. Besides convenience, what other reasons are there?

First of all, the promotion of mobile banking can reduce the workload of bank tellers. You must have noticed that the people who go to the bank counter now are either older, or some businesses cannot be completed through ATM machines or self-service terminals, while many routine businesses, such as deposit and withdrawal, new card opening and purchase of wealth management products, are completed through self-service terminals or mobile banking. Therefore, this objectively saves the human input of the bank. However, there are still many people who don't understand mobile banking and haven't opened it yet. Therefore, they should optimize the labor cost as much as possible, so they will always recommend you to use mobile banking.

Secondly, the requirements of work tasks. At present, the assessment of banks is an enterprise assessment mechanism. Therefore, bank staff have various indicators to assess, and promoting the application of mobile banking APP is also one of their assessment indicators. Therefore, they will do their best to recommend it.

Third, the fierce competition among peers makes them try their best to seize customers. Customers are an important resource for banks. Therefore, many banks cooperate with companies, so that the salary card must be used by one bank, which is to rob customers. Similarly, mobile banking is becoming more and more convenient nowadays. Banks must catch customers who have never used mobile banking as soon as possible. Otherwise, customers who use other banking applications may become permanent customers of another bank. The customer wins the world, and so does the banking industry.