【正文】 wn, but it39。s a widespread effort to repair free checking by attaching monthly service fees, to ease the profit drain from lost overdraft fee revenue. succeeds in attracting robust accounts with high crosssell potential. With a potential CLV of between $3,000 and $5,000, for example, highvalue customers will more than reward the bank for providing free checking as they use additional banking products. To capitalize on such insights, it is helpful to begin with a threestep following through on these three steps, various kinds of preparation will be needed inside the bank. The marketing team will need to develop robust models that will accurately measure the total lifetime value of every customer. Individual product teams will need to collaborate with distribution in rolling out centrally designed crosssell propositions that branch and call center reps can sell within a relationship context. Meanwhile, executive management will need to resolve simmering issues with performance measurement, given the persistent bank emphasis on splintered metrics centered on individual products. Executives also will need to promote cooperation among the product, distribution and marketing teams so that the bank can proceed in a focused way that unlocks opportunity with a minimum of strife and wasted effort. 本科畢業(yè)論文外文翻譯 外文題目： Making good on the anytime, anywhere promise 出 處： ABA Banking , (4):3638 作 者： Meleis, Sherief 譯 文 ： 做好“隨時(shí)隨地”的承諾 在移動(dòng)通信發(fā)展的推動(dòng)下，一些銀行如何保持他們的網(wǎng)絡(luò)信息新鮮和靈活？ 一個(gè)冬天的下午 , 在埃爾多拉多的一家市值近 億 美元資產(chǎn)的 銀行里， 兩個(gè)職員 在電話上 與 他們 洽談關(guān)于伊利諾伊州與 ABABJ 有關(guān)其新鮮前瞻性網(wǎng)站的事宜。Wayne Garret,一個(gè)資訊科技的副主席說：“我們一直在尋找良好的合作伙伴并與他們有更好的聯(lián)系溝通。 不過，銀行想提出略高于區(qū)域 性 的技術(shù)曲線，因?yàn)樗?認(rèn)為這些措施將有利于獲得潛在的銀行客戶。 在細(xì)節(jié)上的迅速變化 因此，讓靜態(tài)的，擁擠的網(wǎng)站變得更靈活和寬敞一些。“銀行家需要拋開自己的經(jīng)驗(yàn)，想想能為他們做什么。 “我們的想法是引導(dǎo)顧客通過程序中的每一個(gè)步驟。提供一個(gè)無縫過渡是一個(gè)更好的主意。如果你正在叫支票產(chǎn)品網(wǎng)上有一件事在電話里還有另外一件事 ,你就會(huì)產(chǎn)生混亂 ,”他補(bǔ)充說。 Ron Shevlin 說。 多關(guān)注客戶 零售銀行的收入日益減少 ，貸款需求疲弱，在面對(duì)新的法律法規(guī)，平穩(wěn)的環(huán)境和費(fèi)用收入的減少。 正是在這一背景下，銀行正在逐步擴(kuò)大交叉銷售取景器。個(gè)別產(chǎn)品團(tuán)隊(duì)將需要與分銷合作，設(shè)計(jì)推出了集中交叉銷售的命題科和呼叫中心，銷售代表可以在一個(gè)關(guān)系中。在下面這三個(gè)步驟，在銀行內(nèi)部需要編制各種資料。 然而，一個(gè)直接的挑戰(zhàn)是一種普遍的客戶經(jīng)濟(jì)學(xué)關(guān)系的短缺。銀行將最終放棄一勞永逸的批處理系統(tǒng)。 移動(dòng) ,在某些情況下 ,把互聯(lián)網(wǎng)推向前進(jìn) ,尤其在最大的銀行 ,他們會(huì)陷入兩個(gè)通道與內(nèi)部發(fā)展的困境?！斑@應(yīng)該發(fā)生在認(rèn)證的網(wǎng)站?；蛘?，如 Shevlin 所說的那樣，是您助燃劑多步驟的過程或自我解釋？“銀行家們需要思考的方便易用的使用條件，”他補(bǔ)充道。舉個(gè)例子， 作為提供一種服務(wù)，銀行可能會(huì)考慮使用內(nèi)部業(yè)務(wù)，F(xiàn)isher 提供了一個(gè)名為 的私人聊天室的服務(wù)，銀行可以使用作為一種舉辦用 IM 虛擬會(huì)議，發(fā)電子郵件或短信選擇的服務(wù)。 “當(dāng)你指引你的顧客走進(jìn)一個(gè)確定的流程 ,然后你改變它 ,那就等于是您使當(dāng)?shù)氐碾s貨店改變布局 ,就很難找到你的最愛 ”， Dan Fisher 現(xiàn)任總統(tǒng)和江銅集團(tuán)，金融服務(wù)，有針 對(duì)性的咨詢機(jī)構(gòu)的 CEO 說。 與此同時(shí) ,互聯(lián)網(wǎng)已經(jīng)普及了。 Goodlock 建議 農(nóng)民國(guó)家銀行在分支機(jī)構(gòu)提供手機(jī)銀行服務(wù)，采取直接郵寄。在 2020 年設(shè)計(jì)的第一投資回報(bào)率的網(wǎng)站，現(xiàn)在這些條款中運(yùn)用的很成功，資深營(yíng)銷和通訊律師等。 renewed interest in keeping mobile relevant is that banks will finally give up batch systems once and for all. There is this tendency to serve up stale information and banking customers increasingly will be impatient with this, Schwanhausser explains. Retail banks are facing a revenue drought, with slack loan demand, a flat rate environment and dwindling fee revenues in the face of new laws and regulations. Often, the best hope for growth is to serve established customers more fully essentially a personbyperson campaign to gain share of wallet. For winners in this quest, the opportunities are enormous. Today39。ve trained your customers to step through a certain process, and then you change it, that can be the equivalent of when your local grocery store alters the layout and makes it harder to find your favorites, says Dan Fisher, a former banker and currently president and