Efficient branch concepts increasingly important – Wincor Nixdorf an experienced partner for banks
高效的分支銀行概念越來越重要——德利多富公司，經(jīng)驗(yàn)豐富的銀行合作伙伴
 
It is not just the location that makes a bank branch unique; more and more, branch concepts are being thoroughly individualized. Wincor Nixdorf has plenty of experience when it comes to making branches efficient and is underscoring this at Wincor World with two completely different branch types.
使銀行分支行顯得獨(dú)特的不僅僅是其所處的位置;越來越多的分支行理念被徹底賦予的個(gè)性化。德利多富公司在使分支行高效這一方面有豐富的經(jīng)驗(yàn)，并在德利多富世界里用兩個(gè)完全不同的分支行類型強(qiáng)調(diào)這一點(diǎn)。
 
Branches are and will remain the most significant sales channel for banks. They guarantee direct contact with customers, something that is becoming increasingly important. Several studies have shown that over 80 percent of banks believe they can only focus properly on customers and simultaneously boost efficiency by transforming their branch networks.
銀行分支機(jī)構(gòu)是并仍將是銀行最重要的銷售渠道。他們保證與客戶直接接觸,這一點(diǎn)正變得越來越重要。多項(xiàng)研究表明,超過80%的銀行認(rèn)為他們只能適當(dāng)關(guān)注客戶,同時(shí)通過轉(zhuǎn)變他們的分支網(wǎng)絡(luò)來提高效率。
 
There is no such thing as a standard bank branch anymore. What is needed are branches that fit in with their location and meet the various requirements of banks and their clients in completely different ways. “That’s why more and more financial institutions throughout the world are reorganizing their branch channel to support new sales and service approaches and enhance efficiency,” says Jordi Perez, Head of Branch Transformation at Wincor Nixdorf, adding: “The first step is always an in-depth analysis of branch strategy.”
沒有所謂的標(biāo)準(zhǔn)分支銀行了。所需要的分支行,是用各種完全不同的方式利用他們的位置和滿足銀行的各種需求。主管德利多富分支轉(zhuǎn)換的喬迪·佩雷斯說，“這就是為什么越來越多的世界各地的金融機(jī)構(gòu)重組其分支通道來支持新的銷售和服務(wù)方法并提高效率,”并補(bǔ)充道:“第一步總是深入分析分支行策略。”
 
Branch concepts and the mix of branch types vary according to the bank’s focus, the location of its branches and the specific needs of its clients. They range from flagship, full-service and express branches to mini-branches based entirely on self-service.
分支行概念和混合分支行類型根據(jù)銀行關(guān)注的側(cè)重點(diǎn)不同而不盡相同，例如其分支機(jī)構(gòu)的位置和其客戶的特定需求。因而產(chǎn)生從旗艦型,全方位服務(wù)型，快速型到完全基于自助服務(wù)型的分支機(jī)構(gòu)。
 
“A detailed understanding of the right mix of branch types is the cornerstone of an efficient branch network and an optimal branch concept. Only on that basis can the right decisions be made about the various customer services and the necessary hardware and software technologies,” says Jordi Perez with conviction. “That’s the only way to achieve the best interplay between aesthetics and customer experience on the one hand and technology on the other hand.”
“詳細(xì)了解分支機(jī)構(gòu)的類型是有效的分支網(wǎng)絡(luò)和最優(yōu)分支概念的基礎(chǔ)。只有在這個(gè)基礎(chǔ)上才能對(duì)對(duì)各種客戶服務(wù)和必要的硬件和軟件技術(shù)做出正確決策,喬迪·佩雷斯令人信服的說道，“這是達(dá)到一方面客戶體驗(yàn)與審美，另一方面技術(shù)之間最佳相互作用和影響的唯一的方法。”
 
With its many years of experience, Wincor Nixdorf views itself as an important partner to banks, from branch consulting and design to the implementation of the correct hardware and software, all the way to ensuring the highest possible availability of both the entire self-service network and the bank's central branch IT.
多年的行業(yè)經(jīng)驗(yàn),使德利多富公司視其本身作為銀行重要的合作伙伴,從分支咨詢和設(shè)計(jì)到應(yīng)用正確的硬件和軟件,一直到確保完全自助的網(wǎng)絡(luò)技術(shù)和中央分行網(wǎng)絡(luò)技術(shù)的最高實(shí)用性。
 
Wincor Nixdorf is presenting examples of two quite different branch concepts at Wincor World and is underscoring the different branch types with a bundle of services. The focus is on concepts to boost efficiency and optimize customer services. The company is using the latest over-the-counter and self-service technologies to demonstrate different solution scenarios that optimize processes in the front office and in the branch as a whole while also enhancing the customer experience.
德利多富公司大會(huì)上向世人展示了兩個(gè)不同分支行概念,并通過一系列服務(wù)項(xiàng)目來強(qiáng)調(diào)分支類型的不同。重點(diǎn)是提高效率和優(yōu)化客戶服務(wù)的概念。公司使用最新的場(chǎng)外交易技術(shù)和自助服務(wù)技術(shù)來展示了不同情景的解決方案, 從而在整體上達(dá)到在前廳和分支機(jī)構(gòu)優(yōu)化服務(wù)流程, 同時(shí)提升客戶體驗(yàn)。
 
The full-service branch at the fair shows a combination of new software solutions and state-of-the-art technologies to support new kinds of assisted self-service. Using a tablet, for example, a bank officer can recognize whether a customer at an automated teller machine needs help and can execute the transaction remotely or directly at the ATM together with the customer. If a customer wants to withdraw cash from his or her account, for instance, the employee can authorize this transaction. The customer receives the desired amount and the bank officer can take the opportunity to enter into a discussion.
提供全面服務(wù)的分支行在展會(huì)上展示了一個(gè)結(jié)合新的軟件和最先進(jìn)的技術(shù)來支持新型輔助自助服務(wù)的解決方案。例如，通過使用平板電腦, 一個(gè)銀行職員可以識(shí)別客戶在使用自動(dòng)柜員機(jī)時(shí)是否需要幫助,并能夠遠(yuǎn)程執(zhí)行交易或直接在自動(dòng)柜員機(jī)上輔助客戶使用。舉例說，如果客戶想從他或她的帳戶提取現(xiàn)金，銀行職員可以授權(quán)該事務(wù)。客戶接收到所需的金額后，銀行官員可以借機(jī)與客戶進(jìn)行交流。
 
Next door will be a mini-branch designed primarily to present self-service elements and their integration in the customer-bank relationship. In a self-service branch like this, a customer can communicate with a bank adviser by video to ask questions or get authorization for a certain transaction in a direct conversation. With its premium availability solutions and preventive maintenance, Wincor Nixdorf can reduce system downtimes in mini-branches to a minimum and keep recovery times especially short.
隔壁展廳呈現(xiàn)的是一個(gè)迷你分行，主要設(shè)計(jì)用來展示自助服務(wù)元素以及這些元素在客戶銀行關(guān)系中的集中表現(xiàn)。 在這樣的自助服務(wù)分行,客戶可以通過視頻與銀行理財(cái)顧交流并咨詢問題或就得到某一事務(wù)的授權(quán)與其直接對(duì)話。德利多富公司通過其溢價(jià)可用性解決方案和預(yù)防維護(hù)手段，可以減少小型分行系統(tǒng)停機(jī)次數(shù)并縮短系統(tǒng)恢復(fù)時(shí)間。
 

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