Summary :
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
- Enhanced Access and Service Excellence to improve Customer Experience resulting into Higher Income
- Key to better Income is New Age Customers
- B2B: Bread to Business Policy Initiative:
- More deposit, more funds from Bank, more earnings ventures, more income to Owners as well as Bank
- Learning & Development Engine- Investing for Customer Excellence
I.
Indian Customers: Demographic
Dividends
Presumed Customer Base can be enumerated as:
•
By 2021, estimated population is
around 1.4 billion,
•
Youth(13 yrs to 35 yrs) is around 40%(approx.),
•
Next 20 years, around 300 mn people
will enter workforce,
•
Hugely educated & working
population are available in India,
•
Opportunity to tap banking among
untouched population,
•
Long term banking depends on user
experience.
II.
Indian Customers: Fast
Changing Preferences
New
Digital culture: Industry 4.0 encompassing ML, AI, Automation & Big Data
empowers-
- Masses: to stay ahead in a dynamic technical & competitive landscape…
- E-commerce:
Online spending is taking off enormously leading
to commoditization of Daily Financial Services,
- Rising Affluence: More spending, efficiency & higher
productivity,
- Multiple
Choices: Better digital one wins away the customer,
- Specialized
System & Process: Digitalized automation leads to
system efficiency & innovation,
- Specific demographic
group prefers specialized products & services ,
- Continuing Urbanization: speed of thought on health,
home, marketplace and living.
III. Along
with everyday banking needs, customers are broadly categorized as per focus:
- Households:
focus on Basic Banking & Lending for
personalized products and real-time offers, etc.
- Business
Owners: focus on Major life events, including mortgages, project financing,
equipment financing, and complex financing needs, etc.
- Investors:
focus on Wealth management and financing needs etc.
- Institutions:
focus on Collection, wealth management &
financing, etc.
- Government:
focuses on Schematic banking needs for
distribution and financing etc.
Banking
services
Acquiring
& retaining above customers contribute Income to Bank. For it, we need the robust facilities as
under:
- Digital
systems to equip Digital culture,
- Anywhere,
Real-time for easy access & acquiring,
- Everyday
Banking for transaction needs & retail lending,
- Complex
financing for business & growth,
- Sectoral
experts for guiding customers to changing space,
- Personalized
financial services for Demographic Group,
- Valued
products for wealth management, etc,
- Specialized
services for HNIs, PIOs, NRIs & special status people.
All
Needs are indispensable for Easy Access, Value Propositions & Service
Excellence. Banking services had under gone a sea change in the process of
time.
Banking Services: Evolution
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Focus: |
equity |
Sector Expertise: |
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