Banks tend to play it safe when it comes to adopting new technology to communicate with their customers. When you consider the sensitivity of their data it’s no surprise that financial institutions are cautious when introducing new communication channels to their customers. However, seperti yang diamati JD Power in its 2017 U.S. Retail Banking Satisfaction Study, “[Customers] want to choose when, where, and how they conduct their banking, and banks must continue to meet that need by offering consistent, tailored experiences regardless of the channel.” This means that now more than ever, banks and financial institutions need to offer myriad communication options for their customers to support this desire for choice while continuing to keep their information secure.

Berikut adalah tiga komunikasi populer channels yang telah diadopsi oleh bank untuk mendukung keinginan nasabah akan pilihan:

Asisten Virtual

Recently many banks have introduced Virtual Assistants to their online banking offering as a means of communicating with and helping customers. For instance, in June Bank of America released their Chatbot yang digerakkan oleh AI bernama Erica. Think Siri but instead of providing directions ke nearest Starbucks, Erica can help you search your transactions, check your account balance, and locate your routing number. Handling your finances can be stressful and reading through banks’ FAQs to find answers to your pressing money questions can only make it worse. Whether it’s Bank of America’s Erica, Ally Bank’s Ally Assist or HSBC’s Amy, virtual assistants on finance and banking apps open an easy and direct line of communication with customers that feels personable though powered by AI.

Pembayaran Seluler Peer-to-Peer yang Efisien

With the rise of apps like Venmo and Cash App it’s important for banks to remain on the cutting edge of peer-to-peer mobile payment. Enter: Zelle, Banks’ competitor ke leading mobile payment apps. Zelle allows users to exchange funds with ease enabling customers to effortlessly communicate payment requests to one another directly through their product. This seamless integration alleviates the stress of sending large lump sums of money over the internet by creating a communication channel directly within their product. And while we’ll always love Umpan sosial Venmo that allows you to see just who is brunching with who, Zelle offers the privacy and security we want when sending and receiving sensitive payments.

Email

Email isn’t a new method of communication for banks, however, it is one that requires constant upkeep and management. Whether it’s a email transaksional regarding a customer’s specific account or an email marketing blast delivered to hundreds of thousands of people, messages from financial institutions need to be on time and secure. Banyak lembaga keuangan telah mampu mencapai hal ini dengan bermigrasi dari pusat data fisik ke cloud. Not only does the cloud allow for greater scalability but also helps ensure greater levels of cybersecurity. As email continues to prevail as one of the leading ways companies (financial or otherwise) communicate with their customers it’s important that financial institutions continue to evaluate the technological infrastructure of their email delivery.

Untuk sebuah industri yang cenderung bermain aman ketika mengadopsi teknologi baru, ketiga metode komunikasi ini telah memudahkan layanan keuangan untuk memberikan pengalaman pelanggan yang lebih kaya dan memuaskan.