- Gebundene Ausgabe: 360 Seiten
- Verlag: John Wiley & Sons Inc (26. Dezember 2012)
- Sprache: Englisch
- ISBN-10: 1118589637
- ISBN-13: 978-1118589632
- Größe und/oder Gewicht: 16 x 3,3 x 23,6 cm
- Durchschnittliche Kundenbewertung: 3 Kundenrezensionen
- Amazon Bestseller-Rang: Nr. 289.895 in Fremdsprachige Bücher (Siehe Top 100 in Fremdsprachige Bücher)
- Komplettes Inhaltsverzeichnis ansehen
Bank 3.0: Why Banking Is No Longer Somewhere You Go But Something You Do (Englisch) Gebundene Ausgabe – 26. Dezember 2012
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Praise for BANK 2.0
"The impact of the Internet and mobile devices has made the rules in managing channels and how we reach customers a moving target. This book does something that no one I know has been able to do thus far--teach us to re-design our instincts first and then our knowledge about how this moving target will evolve."
Emmanuel Daniel, Chairman, The Asian Banker Journal
"BANK 2.0 represents a view of the future of bank retailing and channel strategies for the next decade. The fact that banks take so long to respond to these changes to the status quo means that any bank acting upon the key recommendations in this book will be a step ahead of the competition, and that surely is no bad thing. Now think what you could be if you acted upon all of the recommendations."
Chris Skinner, Chairman, Financial Services Club
"BANK 2.0 will change the way you think about banking in the future. Audacious, provocative, and sometimes controversial, Brett King redefines the paradigm of consumer banking. This compelling book is guaranteed to send your pulse racing and your mind searching for a new strategy for your bank."
Suvo Sarkar, Executive Vice-President, Emirates NBD
"BANK 2.0 is informed by Brett King's analysis of trends in banking over many years. ... I've worked with Brett and I have seen some of the results; they explain why Brett is highly sought after as an authority on banking and how the industry is likely to evolve into the future."
Dr. Richard Petty, President, CPA Australia
The first edition of BANK 2.0--#1 on Amazon's bestseller list for banking and finance in the US, UK, Germany, France, and Japan for over 18 months--took the financial world by storm and became synonymous with disruptive customer behaviour, technology shift, and new banking models.
In BANK 3.0, Brett King brings the story up to date with the latest trends redefining financial services and payments--from the global scramble for dominance of the mobile wallet and the expectations created by tablet computing to the operationalising of the cloud, the explosion of social media, and the rise of the de-banked consumer, who doesn't need a bank at all.
BANK 3.0 shows that the gap between customers and financial services players is rapidly widening, leaving massive opportunities for new, non-bank competitors to totally disrupt the industry.
"On the Web and on Mobile, the customer isn't king--he's dictator. Highly impatient, skeptical, cynical. Brett King understands deeply what drives this new hard-nosed customer. Banking professionals would do well to heed his advice."
Gerry McGovern, author of Killer Web Content
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By Tom St. Dennis
Bank 3.0-Why Banking is no longer somewhere you go but something you do, by Brett King.
Whether they are admitting it or not, you can be sure that this is a book that every one of your financial institution competitors is reading if they are any competition at all. Of course, margin compression, increased regulation and demand for higher profits are just some of the challenges facing all banking professionals today. In Bank 3.0, King concisely addresses another challenge that makes all the others pale in comparison-the dreaded technological challenge of mobile banking and loss of customers to non-bank competitors if bankers don't address the consumer's call for greater access through this channel.
King begins this exhaustively researched tome by reflecting on the crisis of credibility that the banking industry has had to cope with as a result of the recent global financial crisis. He then painstakingly documents the more urgent issue that is building on top of this loss of credibility which he calls the loss of modality-the breakdown of a bank's traditional consumer interface, commonly known as the branch and/or customer service centers. For anyone who has had to use their lunch hour to drive to a branch only to stand in line to be serviced by a less than confidence-inspiring CSR, or waited on hold to talk to "Susan" from India, you know what he's getting at. He ends in his typically brusque style by reminding bankers:
As bankers you've been more inclined in the recent decade to become the problem, thinking that banking is unique, special and requires hurdles or qualifications before a customer is allowed to avail themselves of your products and network. This friction will kill your collective industry unless you get back to the core of what banking should be about-helping and serving those customers that are your lifeblood. The shift in consumer behavior is speeding up like never before. It's time to get on board, or get out of the way. (p. 387)
Those of you who have served in executive management, as a board member and/or in a regulatory capacity have definitely heard this type of bold assertion-that everything will change with the advent of the internet, leaving your franchise gutted, unless you get on board quickly. You've certainly been told by many reputable and perhaps not so reputable sources that you and your vaunted franchise will soon be left behind with nothing but expensive and empty branch facilities. However, King presents some impressive facts that undeniably support the shift toward new banking channels, especially mobile, that make those haunting claims now seem like a more possible reality. He also does an excellent job of demonstrating an international perspective on how consumers and bank customers are migrating toward mobile and how this trend not only suits customer behaviors better than traditional brick and mortar channels but can also function to better address their real needs. Perhaps his most impressive set of research relates to non-banking firms that are opening up inroads to what have been traditionally seen as branch banking customers. This section of his book should even rattle the most staid of Credit Union and/or Community Bankers who have always relied on the "loyalty" of their hometown customers.
Thus King has offered the banking industry an excellent service by carefully documenting how the loss of credibility and trust in the banking industry due to the global financial crisis and the rapid increase in the functionality of technology, combined with aggressive non-bank competitors entering the traditional space of bankers, is a real threat to their hallowed turf. His insights regarding the evolution of what constitutes relevant marketing strategies as well as the commoditization of the banker's traditional control over "money" which is rapidly evolving from something physical to a more ethereal element should make every CEO, board and of course regulator, wonder what and how they are going to adapt to this new world of banking and evolving customer expectations.
If you are serious about positioning your institution for the future and just can't figure out how to cost-justify your institution's physical branch platform anymore, you need to take a hard look at this book. If nothing else, you will get a glimpse at what is behind that light at the end of the tunnel that in reality is the train of progress coming to derail your time-worn beliefs.
Tom St. Dennis
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