Along with the development of the internet, more than 90% of the bank’s business can be done through self-service equipment or network, the business that need the customer to do over the counter become less and less. A small amount of goods delivery, such as bank card and passbook, USB key can also be done through the digital bank locker. The traditional bank branches take on new trends.
The first trend is bank branches distribution more focus on customer orientation. The bank need to base on the business development strategy to subdivide the customer and pinpoint the target customer base, and then according to the bank customer stratification and positioning as well as the geographical distribution and flow of customers to make specific definition of the bank branches’ layered service strategy, bank branches’ classification, as well as the different bank branches’ layout, function and scale.
The second trend is the bank branches construction tends to be “small and exquisite”. In the Internet age, the rapid development of E-channels such as E-bank, mobile banking makes less demand of the large and all-inclusive bank branches, more is to construct the compact, low-cost bank branches such as community outlets, the micro outlets to improve customer coverage.
The third trend is bank branches construction tends to be "personalized". With the rapid development of financial innovation, all kinds of diversified financial products emerge in endlessly to attract customers and expand the market. Personalized requirements for financial services are rising.
In personalized service, the traditional bank branch channel is indispensable, can’t be replaced and need to be strengthened, especially in the account opening and counseling services, and meets the non-financial demands which involve the deep interaction between banks and customers. Many banks start trying the personalized network construction, such as coffee bank, tea house bank and book bar bank.
The fourth trend is bank branches construction tends to be "intelligent”. Compared with the corporate business, retail business is more decentralized, more vulnerable to the impact of the internet financial business. In the current situation, the bank cannot create enough value by traditional sustaining retail customers methods; while through the intelligent transformation, bank branches can better the stratification and classification of retail customers, make precision marketing, strengthen the linkage of the on-line and off-line business, promote the interactive marketing, optimize front and back, on -line and off-line business processes and improve the operating efficiency.