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所在平台: Udemy |
课程主页: https://www.udemy.com/course/digital-banking/
课程评论：没有评论
课程名称：数字银行 课程概述：数字银行是电子银行领域的新概念，利用创新技术和银行工具，旨在发挥数字技术的优势，整合标准的在线/移动/电子银行服务，以丰富和增强银行服务的价值和用户体验。在现代科技时代，银行业务的数字化是至关重要的。没有数字化，银行服务无法达到理想水平，且在竞争激烈的市场中，哪些银行不采用数字银行将难以生存。借助数字渠道，银行可以降低成本、加深客户满意度和忠诚度，从而推动长期关系和盈利能力。数字银行正处于超越传统“实体银行”的边缘，成为首选的交付渠道。如果银行未能快速反应，可能会错失机会。 课程强调用户体验设计的改进，通过互动界面模糊现实与虚拟之间的界限，使数据通过丰富的展示变得生动。分析工具的巨大进步能够解析客户档案，数字技术自身正在不断变化，每一次技术的进步都为提升客户体验提供了新的可能性。技术减少了银行的运营和服务成本，这一减轻也可以转嫁给客户。数字渠道在节省客户时间、成本和精力方面更加友好。 然而，计算机化操作也带来了相关风险，所有产品、服务和提供的内容都必须安全，以防止信息丢失、错误和意外访问。随着数字内容和平台的增加，银行需实施必要的信息安全措施。客户教育和基于技术服务的客户沟通，其内容和传递方式与传统做法存在差异，银行也需掌握这些，以有效利用其服务。 安全性延伸至银行的硬件以及用户的设备——无论是家中的PC/Mac、平板电脑还是智能手机。在所有情况下，数字银行都必须采用强大且安全的技术，以保护通信、用户信息及银行的IT基础设施。银行应关注安全的弱点，将安全需求与业务需求相结合，并超越合规要求进行思考。
Digital banking is a new concept in the area of electronic banking, of using new innovative technologies and banking tools. It aims to leverage strengths of digital technologies, to bind and put together the standard online/mobile/electronic banking services to enrich and enhance value of the banking service rendered and user experience. In this modern age of technology, banking business will be very difficult without digitization. Banks services to its customers cannot reach the desired level and no bank will be able to survive for long in this competitive market without adopting digital banking.Adoption in digital channels can help banks to cut costs, deepen customer satisfaction and loyalty and drive long term relationships and profitability. Digital banking is on the threshold of overcoming traditional "brick and mortar" banking as the preferred delivery channel. There are evidences that if a bank is not responding, as quickly as it should, it may actually be missing the bus. Improvements in user-experience design through interactive interfaces that blur the boundaries between the real and the virtual thereby bringing data to life through rich presentations. Tremendous advances in analytical tools which are able to decipher and work out customer profiles. Digital technology is, itself, changing and every advance in technology throws open new capabilities for enhancing customer experience. Technology reduces the cost of operations and servicing for the bank, and the reduction can, thereby, be passed on to the customer. Digital channel is more customer friendly in terms of saving their efforts, cost and time. However, computerized operations bring in their associated risks, and all products, services and offerings need to be secure, so that information loss, error and unintended access does not happen. With more digital contents and platforms, banks need to implement information security measures as necessary.The customer education, and customer communication for technology based services will be different in content and mode of delivery, compared to the traditional practices. Banks need to master these also for effective use of their offerings. Security extends from the bank's hardware to the user's device - whether a PC/Mac at home, a tablet or the Smartphone. In all cases, digital banking must employ strong and secure technologies which protect the communication, user information and the bank's IT infrastructure. Banks should address weaknesses in security, connect security interests with those of business interest and think beyond regulatory compliance.
