【正文】 所以銀行要妥善的安排他們分行的地理位置，盡可能大的滿足每個客 9 戶的需求。這是一個融合了簡約，客戶服務(wù)，數(shù)字簡潔的產(chǎn)品和服務(wù)的多樣性為一體的銀行。 Twitter 和 Facebook 為基礎(chǔ)的客戶服務(wù)代表可以馬上回答多個問題。 按照慣例，客戶服務(wù)一直是數(shù)字游戲。對于調(diào)查中的 1010 名隨機選擇的 18 對及以上成年人并在美國居住的全國代表性的性本，通過益普索美國綜合電話進行采訪。在所有消費中中，對網(wǎng)上銀行的偏好其次通過訪問分支（百分之 25），并利用自動柜員機來處理事務(wù)（百分之 15）。這意味著這個行業(yè)還需要繼續(xù)在技術(shù)上支持網(wǎng)上銀行的投資，因為消費者看到他快速，方便，準(zhǔn)確和安全。他們自然會吸引客戶到他們的銀行已 滿足他們的工作和生活。除了提供移動銀行，銀行需要夸大與 EBills 的 EBPP能 力，提供易于使用的“輕型”個人財務(wù)管理解決方案，并增加消費者的支票影像捕捉能力。銀行正在執(zhí)行的舉措，越來越多的通過網(wǎng)上銀行，存取，使用深度和數(shù)量的關(guān)系來體現(xiàn)。本報告的重點包括：互聯(lián)網(wǎng)目前停留在百分之 74，限制了那個客戶可以登錄網(wǎng)上銀行注冊。 三、 越來越多的人使用網(wǎng)上銀行 7 該報告建議銀行采取更積極的戰(zhàn)略， 這將使金融機構(gòu)熟悉互聯(lián)網(wǎng)和年輕的消費者誰會在未來十年提高銀行利潤的競爭優(yōu)勢。同向之間的橫向比較，容易理解的條款能方便的添加到任一家銀行嗎？你真的了解你的客戶？智能分析和有效的使用可以解開什么客戶需要什么產(chǎn)品和服務(wù)外，還使用與特定的非結(jié)構(gòu)化分析。在線渠道的可用性和簡單性是另一個考慮的重要因素。簡單而直接的銀行是不容易實現(xiàn)的。產(chǎn)品創(chuàng)新和交叉銷售時實現(xiàn)這種凡是的兩種辦法。最近的一個數(shù)量相對腳上的金融產(chǎn)品和服務(wù) (賬單支付，儲蓄，支票賬戶，貸款，賬戶轉(zhuǎn)賬 )講允許簡便銀行提供簡單的服務(wù)。即便如此，銀行的簡單創(chuàng)業(yè)都應(yīng)該被看做是一個學(xué)習(xí)的機會。雖然對整個行業(yè)來說這是一個好消息，但是調(diào)查還發(fā)現(xiàn)，在研究中國內(nèi)五大銀行的得分是最低的。通過 IT 投資和根深蒂固的應(yīng)用，簡便銀行的團隊已經(jīng)建立了自由創(chuàng)新，用戶友好的在線界面，客戶服務(wù)計劃以及相關(guān)的地洞和社會反響和支持使得越來越多的消費者有這些需求。簡便銀行推動了用戶體驗信息，先進個人財務(wù)分析信息，一個單方面的全過程的銀行卡，優(yōu)質(zhì)的客戶服務(wù)，但是并沒有額外的費用。 . Telephone Express omnibus. Embrace Social Media to Convey Respect BankSimple promises its customers “no more getting passed around the call center.” In other words, “we treat you with respect” boils down to one thing: customer service. From the branch, to the customer service representative, to the IVR, to and chat, customer service has evolved considerably over the last 50 years. With the banking industry in the midst of a reputation crisis, customer service has taken on even more importance. Traditionally, customer service has been a numbers game. More customer service representatives means more problems solved and questions answered. However, with the growth of social media, banks find themselves with an opportunity to deliver improved customer service with a nonlinear cost structure. Online forums provide customers an opportunity to share frustrations, find answers to questions, and help one another out. Twitter and Facebookbased customer service representatives can answer multiple questions at once. Social media can be the catalyst for a customer service revolution if banks approach it with the right mindset. Archaic systems, a lack of integration, and molasseslike processes present a challenge to even the most agile of large banks. As customers bee increasingly sophisticated and demanding, these weaknesses are amplified. BankSimple and other digital finance entities should be viewed as a source of inspiration and a guide for innovation and improvement. The future of banking is a blend of simplicity, customer service, digital savvy and product and service diversity. Banking “simple” is just one stone on the path to Bank . Convenience It’s probably safe to say that most people choose their bank or savings and loan on the basis of location， picking one that’s closest to their home or job. Before you do that， however， drop into the branch you are considering to see how it handles its customer traffic during the peak lunchhour rush， particularly on Fridays. Is there an express line for customers with simple deposits or withdrawals？ Is there a single line that move the people most efficiently to the next available teller？ Are there enough tellers？ Are there 24hour automated teller machines？ If you work in the city and live in the suburbans， will you be able to do your banking in either plac