Research On Platform Development Based Channel Transformation Of Bank Z Zhejiang Branch

For a long time,the marketing and core profitability of commercial banks are mainly realized through offline channels,and the proportion of such outlets in the current banking industry is also quite large.It is mainly through offline outlets to make face-to-face contact with customers,provide customers with the required financial services,and realize the growth of bank profits.However,under the impact of Network Finance and emerging technology,the profit structure of the banking industry is being rebuilt,and the profitability of offline channels is gradually declining,which forces banks to vigorously develop online banking,mobile banking and other online channels in order to achieve the transformation and upgrading of banking channels.From the results of the current macro level bank channel transformation,domestic commercial banks are generally faced with the continuous decline of offline channel business.So,how to transform and upgrade the new banking channels? How to further develop each bank per their actual status to achieve effective integration of online channels has become the key point for each bank to improve its competitiveness and profitability in the future.This is also a new research topic in the development of all banks,and it will be the main problem to be explored in this paper.This paper takes bank Z as an example,starting from the necessity of transformation and upgrading of traditional banking channels,combining with the means of transformation and upgrading of online marketing channels,analyzes the development trend and problems of bank Z’s online channels,and concludes that in terms of online channel transformation,it is necessary to optimize Online business integration through customer-centric big data application,enhance the core processing ability of big data and enrich Some suggestions are put forward,such as information source and application mode,strengthening the innovation of online finance,establishing the integration of online channel resources and the training and introduction system of scientific and technological innovation talents to realize transformation and upgrading.