How to do a good job in bank marketing?

I have always believed that the number of e-banking contracts determines the success or failure of future inter-bank competition to some extent. Some people may think that I am alarmist, but as long as you understand the current development and promotion of e-banking by banks, you should be less suspicious of my words and even agree with me.

Although I have left the front-line counter at present, I have been trying to promote our e-banking products, especially in the months when I was a personal consultant. Therefore, I really want to talk about how to do a good job in e-banking product marketing. Some of my experiences, please criticize and correct me.

First of all, we should encourage every employee to widely use our electronic banking products. Only after our own electronic banking products are widely used will we deeply understand the advantages of our electronic banking products and know some problems that may be encountered in the process of using our electronic banking products. Only in this way can we be targeted when marketing to customers, and we can explain and guide customers' questions well.

Secondly, active marketing and flexible response. Understanding the advantages of our e-banking products is only the first step to do a good job in marketing, and the most crucial thing is to actively open marketing. In fact, our e-banking products have obvious advantages, which are not only safe, convenient and cheap, but also absolutely suitable for every customer, but many times customers simply don't know that we have such a good e-banking product, so active marketing is particularly important. At the same time, we should learn to be flexible. Some customers may have doubts about the security of e-banking, so we need to spend more patience explaining it to them. Sometimes, customers don't understand the mobile banking business at all, and the best way is to take out their mobile phones to demonstrate the security and convenience of mobile banking, which will greatly increase many customers' interest in mobile banking; Sometimes, customers will say that they will not use it. At this time, we have to tell customers that we have special personnel to teach them how to use it, and customers can't shirk it. In short, be proactive and see clearly what you are doing, and the marketing effect will be obvious.

Moreover, based on the lobby, don't let go of any marketing opportunities. We often say that lobbying will win, in fact, the marketing of e-banking products is also the same. For example, customers who remit money need to fill out a form. At this time, the lobby manager can recommend our online banking and mobile banking to customers, especially our mobile banking, which is now doing a 10% discount, which is very attractive to customers who remit money from different places and has a very good marketing effect. For another example, customers who often come to the outlets to check the balance can recommend using our SMS notification. Once there is any problem in the customer's account, the customer can know it immediately; For another example, sometimes customers will inadvertently say that they have to pay mobile phone fees or utilities, and they can take the opportunity to market our online banking. As long as the real security and convenience of online banking are shown to customers, few people are not tempted. The lobby is full of opportunities, so don't waste your marketing.

In addition, we should pay attention to teaching our customers how to use our e-banking products correctly, and also pay a telephone call back to our customers. Many times, it is not that customers have no demand for our electronic products, but that we cannot use our electronic banking products correctly for some reasons. At this time, the role of network marketing team and lobby manager is particularly important. It's best to teach customers how to use our e-banking products by hand until they fully grasp it. At the same time, we should also pay a 100% telephone call back to customers who use our e-banking products. This can not only make customers feel the intimate service of our bank, but more importantly, grasp the experience of customers in the process of using e-banking, answer customers' difficult questions, ensure the normal use of customers, and even make customers rely on our e-banking products.

Finally, innovate in time and master the cutting-edge technology of e-banking products. Some time ago, I saw a news that Nanjing Bank actually launched a business of withdrawing money from atm without using bank cards. I felt incredible when I saw the news headlines, but after reading and introducing the use process of this business, I felt nothing more, nothing more! In fact, the process of this business is similar to that of our mobile banking, except that the verification code of our mobile banking is used to transfer money or pay mobile phone bills, and its verification code is used to withdraw money from atm. Although the process is similar, it is more powerful, more convenient and safer. This is innovation, this is advantage and this is competitiveness. There is still a long way to go for the technological innovation of e-banking, which is exactly what the sentence says: "Nothing is impossible unless it is unexpected".