Research On Optimization Of Online Service Of N Bank Suzhou Branch

The wave of financial science and technology innovation has brought about a subversive impact on the development of the banking industry,which has led to profound changes in the service mode,management mode,value chain and competition pattern of the banking industry.All major banking financial institutions are in the key node of transformation and development.After the golden development period of the first decade of the 21st century,Suzhou Branch of bank n has come to the crossroads of development under the multiple impacts of new formats,new models and cutting-edge technologies.In the face of a new competitive situation,some banks choose to completely transform into financial technology companies,some transform into online banks through systematic transformation,and some carry out online transformation pilot in key areas.Practice has proved that the implementation of online service is the only way for commercial banks to enhance market competitiveness and ensure sustainable development in the future.This paper compares the development theories of online banking services at home and abroad,and then analyzes Internet finance,financial disintermediation,bank 4.0 the role of theory in the development of online banking service,combined with questionnaire survey and analysis of online banking process of Suzhou Branch of bank n,finds out the problems of online product development of the bank,such as lack of systematization,lack of agile development ability,lack of characteristic scene construction,etc.Put forward targeted online service optimization suggestions,such as strengthening channel integration,building online star product group with business promotion ability,upgrading it development architecture,improving the agile development decision-making mechanism based on financial big data,promoting the construction of characteristic scenes in advantageous fields,and reengineering risk control process.The innovation of this paper is based on the data of Suzhou Branch of bank n.while studying the advanced experience in the industry,it leaps out of the banking industry,analyzes the commercial success of Internet head companies by means of big data and cloud computing,and takes the business model of Internet companies as a reference to the traditional banking industry.Based on the root of operation mode,this paper analyzes the online service situation of Suzhou Branch of bank n.Based on the author’s own work practice,this paper discusses the latest exploration and attempt of online service development of Suzhou Branch of bank n,which makes the research not only have theoretical value,but also practical significance,and puts forward specific suggestions for the next transformation of the bank.