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The Agile Bank Infographic

The Agile Bank can grow market share and reduce operational costs in exciting new ways. Discover a new retail banking distribution and marketing model for the digital era – an environment where customers have more control than ever.

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The Agile Bank Infographic

  1. 1. The Agile Bank— Transforming the Customer Experience The agile bank can grow market share and reduce operational costs in exciting new ways. Discover a new retail banking distribution and marketing model for the digital era—an environment where customers have more control than ever. 5Characteristics of Agile Distribution 3Elements to Help Make the Transition 3Building Blocks Lay the Groundwork 4Steps Necessary to Start the Journey FAST TWITCH Flexing distribution, making channel decisions quickly and often. CUSTOMER FIRST Offering customers “what they need,” not “what the bank has,” hyper-personalized products and services. RIGHT CHANNELING Combining digital and physical channels to grow market share without traditional branches. TEST, LEARN, TWEAK Replacing complex distribution processes, continually adjusting offerings as the market dictates. REVENUE READY Transforming fixed costs into variable costs and investing savings in revenue generation opportunities. Retail banks are in an excellent position to make the transition to agile distribution and marketing because they already have the three elements to do so. Banks cannot become agile overnight—the model is a radical departure from how banks have historically operated. However, laying the groundwork for change begins with these key building blocks. DIGITAL AND PHYSICAL Unlike digital-only competitors, traditional banks combine the digital and physical. ANALYTICS INSIGHT With the right customer data, banks can create and test real-world scenarios to define markets, product format and customer micro-clusters. INNOVATION JUMPSTART Evolve banks by purchasing start-ups or white-label capabilities to integrate into the value chain. Agile banks must understand customers deeply and infuse a disciplined, customer- first perspective into everything they do. Agile banks must collaborate on a whole new level, changing why they collaborate, with whom they collaborate, and how they collaborate. Agile banks can anticipate and react to market demand at speed because they develop empowered execution and innovation teams with a bias for action. Every bank moves through the same four foundational steps to develop agile distribution and marketing in the digital banking landscape. STEP 1 STEP 2 STEP 3 STEP 4 CONFIRM THE BANK’S DNA Banks should assess whether they should evolve into an agile-specialized bank, or an agile-efficient bank. DIAGNOSE THE NETWORK Banks must rethink their physical distribution network by streamlining branches. WALK IN CUSTOMERS’ SHOES Banks must start from the agile customer experience and work backward to assess technology needs and build a new agile marketing tool kit. TEST THE SWEET SPOTS Banks must continually design new strategies to push sales and service effectiveness to the next level. CUSTOMER OBSESSION UNCONVENTIONAL COLLABORATION SWAT TEAMS WHAT DO THESE INSIGHTS MEAN FOR YOUR BANK? Copyright © 2015 Accenture All rights reserved. Join the conversation @BankingInsights #TheAgileBank Learn more www.accenture.com/theagilebank