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However, under the current system of banks, the iterative innovation of Apps requires internal approvals and processes at all levels. It is extremely lengthy, which also means that even if the banking app captures user needs, it is difficult to satisfy them immediately.For example, banks establishing independent apps for individual businesses that are separate from mobile banking are also a compromise to increase flexibility in app innovation.03 The two-front battlefield of scene + technologyMcKinsey mentioned in the report "Strategy for Winning Ecosystem 2.0 - Building Internet-based User.
Operations and Enterprise-level Sharing1.0 is an online extension of banks' traditional business, then when it comes to Ecosystem 2.0, banks need to A closed business loop is formed from "operation - service innovation - value transformation".Under the Iceland Phone Number constraints of the system, how can banking apps innovate and show differentiated advantages?Still starting from the traffic thinking of improving MAU, the reason why Internet products will have a huge impact on traditional financial businesses is that Internet products use high-frequency life scenarios as an entry point and gradually penetrate into the financial services field.
Zhu Min, former vice president of the International Monetary Fund, once used the metaphor of "Picasso's fish" to compare the competition between the two. " Yue Bao is deposits, micro-loans are loans, and Alipay is payment... Traditional commercial banks have launched products one by one, and through the use of financial technology, Segments are gradually being cannibalized. ”Zhu Min also warned traditional banks, “
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發表於 2024-2-20 14:43:20