数字银行如今已经席卷了金融领域，并在不断影响着银行业的发展。随着精通技术的客户的偏好和兴趣不断变化，人们见证了银行业数字化转型的兴起，它提供更快、更多样化的服务选择，为客户提供全渠道的体验。换句话说，数字化转型确保了在任何设备上都能提供快速无缝的银行服务。
数字化转型如何为银行业带来变革
数字银行如今已经席卷了金融领域，并在不断影响着银行业的发展。
随着精通技术的客户的偏好和兴趣不断变化，人们见证了银行业数字化转型的兴起，它提供更快、更多样化的服务选择，为客户提供全渠道的体验。换句话说，数字化转型确保了在任何设备上都能提供快速无缝的银行服务。
一、银行业的数字化转型是什么？
如今，各种规模的银行都可以利用不断发展的技术来简化流程和改善客户体验。银行业的数字化转型可能导致从传统流程到使用新技术的数字化运营的范式转变。作为一个持续的过程，数字化转型涉及后端支持在线服务的许多变化。
可以说，数字化转型不仅仅是实施一系列数字化举措。这些举措可能无法成功实现预期目标，因为它们缺乏数字原生解决方案。另一方面，银行业的数字化转型采用自上而下的方法，将数字系统与先进的基础设施和各种平台集成在一起，以改善客户服务，并简化运营。
二、数字化转型如何改善客户的旅程
在全球范围内，大多数银行都有具有必要功能的专用应用程序。客户认为这些功能是数字服务，但当涉及到在应用程序上提供独家银行服务时，银行需要进行数字化转型。银行数字化可以通过涉及银行的所有部门来帮助客户实现数字化旅程。网络贷款就是这样一个例子。由于先进的技术，客户只需使用银行或金融机构的应用程序，就可以看到批准的信用额度，并直接在他们的账户上获得贷款金额。
在某种程度上，数字化转型可以让银行的所有部门保持一致，从而为客户提供个性化的体验。通过将所有业务集成到一个在线平台上，可以使客户的数字旅程更具凝聚力。更重要的是，银行可以通过合并不同的部门来节省大量的时间和精力。例如，银行可以将营销业务和零售业务合并到同一个团队中，以获得预期的结果。
根据Forrester公司发布的研究报告，77%的加拿大客户、69%的西班牙客户和71%的美国客户每月至少使用一次网上银行服务。在这种情况下，银行和金融机构应该尝试了解客户的需求和期望。数字化转型使其成为可能，同时使客户的在线活动更加顺畅。在某种程度上，数字化转型可以为蓬勃发展的银行业节省资金和精力。银行可以将员工解放出来，让他们完成其他增值流程，例如通过各种重复任务的自动化与客户建立关系。
三、银行业数字化转型——带来变革的主要趋势
人工智能、物联网、区块链等新兴技术正在各个领域迅速发展，银行、证券和保险行业也不例外!客户的期望和竞争力也随着技术进步的到来而变化。人们需要了解银行业数字化转型的一些最重要的趋势，这些趋势将在这一时期带来流程的变化。
四、在线支付方式的兴起
近年来，人们看到支付方式发生了前所未有的变化。银行卡支付和在线支付网关已经开始取代现金支付。金融机构不断推出新的在线支付应用程序，与公共和私人银行合作。像PayPal这样的移动应用程序已经使国际交易以一种快速和安全的方式成为可能。人们可以期待，由于未来几年的技术进步，会有更多的在线或数字支付方式出现。
五、加强合作
银行业经历了快速的变化，各种规模的银行之间需要某种形式的合作和更好的协调。加强合作带来许多好处，包括增强品牌、扩大业务、建立忠诚的客户基础以及开辟新的服务领域。得益于金融科技的概念，银行可以与其他金融机构合作，为客户提供创新产品，它可以提高银行的生产率和盈利能力。
六、新策略
银行现在也面临着竞争，这不是很有趣吗?日益激烈的竞争和日益严峻的挑战是人们看到银行业越来越多地适应数字化转型的一些关键原因。银行倾向于根据改进的数据收集和分析能力创建新的营销策略。银行不仅希望抓住新的机会，还希望提高客户渠道的有效性，以便更长期地留住现有客户。
七、改善数据使用率
移动已经成为全球的新常态。在新冠疫情期间，人们被迫使用网上银行和其他设施。然而，这一趋势将持续下去。根据Insider Intelligence公司的调查，89%的客户使用移动设备完成银行业务。在这样一个移动通信驱动的时代，必须确保机密数据的安全，同时确保有针对性地实时访问。
机器人流程自动化、大数据、云计算和区块链是改变银行流程的极具前景的技术，所有这些趋势都将推动银行在未来几年实现增长。
八、结 语
负利率、不断变化的客户行为、日益激烈的竞争以及监管挑战是银行需要依赖数字化转型的一些关键原因。通过加快数字化转型的步伐，银行流程得到简化，为客户提供更好的体验。在某种程度上，数字化转型已经准备好成为银行业增长和成功的催化剂。
翻译：
Digital banking has swept through the financial field and is constantly influencing the development of banking industry. As the preferences and interests of tech-savvy customers continue to evolve, the rise of the digital transformation of the banking industry has been witnessed, offering a faster and more diverse selection of services and an omnichannel experience for customers. In other words, the digital transformation ensures fast and seamless banking services on any device.
How does digital transformation transform banking
Digital banking has swept through the financial field and is constantly influencing the development of banking industry.
As the preferences and interests of tech-savvy customers continue to evolve, the rise of the digital transformation of the banking industry has been witnessed, offering a faster and more diverse selection of services and an omnichannel experience for customers. In other words, the digital transformation ensures fast and seamless banking services on any device.
What is the digital transformation of the banking industry?
Today, banks of all sizes can take advantage of evolving technology to streamline processes and improve the customer experience. The digital transformation of banking could lead to a paradigm shift from traditional processes to digital operations using new technologies. As an ongoing process, digital transformation involves many changes in the back-end supporting online services.
It can be said that digital transformation is not just about implementing a series of digital initiatives. These initiatives may not succeed in achieving their intended goals because they lack digital native solutions. The digital transformation of banking, on the other hand, takes a top-down approach, integrating digital systems with advanced infrastructure and various platforms to improve customer service and streamline operations.
How does digital transformation improve customer journeys
Globally, most banks have dedicated applications with the necessary features. Customers think of these functions as digital services, but when it comes to offering exclusive banking services on apps, banks need to make a digital transformation. Banking digitisation can help customers make the digital journey by involving all parts of the bank. Online lending is one such example. Thanks to advanced technology, customers can see the approved credit limit and get the loan amount directly on their account simply by using the app of their bank or financial institution.
To some extent, the digital transformation allows all parts of the bank to be aligned, thus providing customers with a personalized experience. By integrating all of your businesses into one online platform, you can make your customers’ digital journeys more cohesive. What’s more, banks can save a lot of time and energy by merging different departments. For example, a bank could combine its marketing and retail operations into the same team to achieve the desired results.
According to a research report released by Forrester, 77 percent of Canadian customers, 69 percent of Spanish customers and 71 percent of U.S. customers use online banking services at least once a month. In this case, banks and financial institutions should try to understand the needs and expectations of their customers. Digital transformation makes this possible, while making customers’ online activities smoother. To some extent, digital transformation can save money and energy for the booming banking industry. Banks can free up employees to complete other value-added processes, such as building relationships with customers through automation of various repetitive tasks.
Digital transformation of banking — Major trends bringing change
Emerging technologies such as artificial intelligence, Internet of Things and blockchain are developing rapidly in various fields, and the banking, securities and insurance industries are no exception! Customer expectations and competitiveness also change with the arrival of technological advances. People need to understand some of the most important trends in the digital transformation of banking that will bring about process changes during this period.
The rise of online payment methods
In recent years, people have seen unprecedented changes in payment methods. Card payments and online payment gateways have begun to replace cash payments. Financial institutions are constantly rolling out new online payment applications, partnering with public and private banks. Mobile applications like PayPal have made international transactions possible in a fast and secure way. One can expect more online or digital payment methods to emerge as a result of technological advances in the coming years.
Strengthen cooperation
The banking industry has undergone rapid change and there is a need for some form of co-operation and better co-ordination between banks of all sizes. Enhanced cooperation brings many benefits, including strengthening the brand, expanding the business, building a loyal customer base and opening up new service areas. Thanks to the concept of fintech, banks can cooperate with other financial institutions to provide customers with innovative products, which can improve the productivity and profitability of banks.
New strategies
Isn’t it interesting that the banks are now facing competition? Increased competition and growing challenges are some of the key reasons why the banking industry is seeing more and more adaptation to digital transformation. Banks tend to create new marketing strategies based on improved data collection and analysis capabilities. Banks not only want to seize new opportunities, but also to improve the effectiveness of their customer channels in order to retain existing customers for longer.
Improve data utilization
Mobile has become the new normal globally. People have been forced to use online banking and other facilities during the coronavirus pandemic. However, the trend will continue. According to Insider Intelligence, 89 percent of customers use mobile devices to do their banking. In such a mobile-driven era, it is imperative to ensure the security of confidential data while ensuring targeted real-time access.
Robotic process automation, big data, cloud computing and blockchain are highly promising technologies that are transforming banking processes, and all of these trends will drive growth for banks in the coming years.
Conclusion language
Negative interest rates, changing customer behaviour, increasing competition and regulatory challenges are some of the key reasons why banks need to rely on digital transformation. By accelerating the pace of digital transformation, banking processes are simplified to provide a better customer experience. To some extent, digital transformation is poised to be a catalyst for growth and success in banking.
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