Kundenbindung im Virtual Banking by Dirk Stermann
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Kundenbindung im Virtual Banking

Kundenbindung im Virtual Banking


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About the Book

Inhaltsangabe: Einleitung: Die Banken sehen sich seit geraumer Zeit mit einer Vielzahl von Problembereichen konfrontiert. Neben dem Dienstleistungsunternehmen inhärenten Problem, die Erwartungen der Kunden an die Dienstleistungsqualität der Bank korrekt zu erfassen, birgt der Wandel des Bankenumfeldes Chancen und Gefahren. Die rasante Entwicklung im Bereich der Informations-Technologien eröffnet den Banken die Möglichkeit zu einer Verlagerung von den herkömmlichen Vertriebsarten hin zur elektronischen Vertriebsabwicklung. Durch den technischen Fortschritt im IT-Bereich in Verbindung mit den Globalisierungs- und Liberalisierungstendenzen wird das Wettbewerbsumfeld der Banken verändert. So können Non- und Near-Banks in ein Konkurrenzverhältnis mit den traditionellen Banken treten und regional operierende Banken unabhängig ihres Standortes mittels elektronischer Medien ihre Aktivitäten global ausrichten, ohne ein kostenintensives Filialnetz aufzubauen. Besonders beim Internet-Banking als Teil des Virtual-Banking sind die Banken der Gefahr ausgesetzt, durch institutsunabhängige Finanzsoftware, wie Quicken von Intuit oder MS Money von Microsoft, für den Kunden austauschbar zu werden. Diese Finanzsoftware-pakete nehmen dem Kunden die Auswahl der Bankseiten im Internet sowie die Eingabe von Sicherheitscodierungen ab und ermöglichen dadurch den komfortablen Aufbau von Mehrfachbankbeziehungen. Damit besteht für die Banken die Problematik, daß der Kunde auf lange Sicht lediglich die Funktionalität der Finanzsoftware wahrnimmt und nicht mehr die Banken, die die Dienstleistungen erbringen. Tiefgreifende Veränderungen treten auch auf Seiten des Kundenverhaltens auf. Der Bankkunde durchläuft einen Veränderungsprozeß vom "treuen Sparer" hin zum kritischen Anleger. Dieser Prozeß wird als Emanzipation des Bankkunden bezeichnet. Indem der Kunde die Möglichkeit besitzt, das für ihn mit dem jeweils höchsten Nutzen ausgestattete Angebot bei den verschiedenen Banken herauszufiltern, wi


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Product Details
  • ISBN-13: 9783838616834
  • Publisher: Diplom.de
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 19 mm
  • Width: 148 mm
  • ISBN-10: 3838616839
  • Publisher Date: 22 Aug 1999
  • Height: 210 mm
  • No of Pages: 328
  • Series Title: German
  • Weight: 480 gr


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