Research On Digital Transformation Based On J Province Branch’s Outlets Of Bank A

With the subversive changes in the connotation of customers’ financial needs and acquisition methods,the formation of cross-border competition between Internet Finance and traditional banks,and the reshaping of bank customer acquisition methods by financial technology,the business model of traditional bank outlets is also undergoing great changes,which are reflected in the significant reduction of customers in the halls of bank outlets,the obvious changes in the trading habits of bank customers The traditional way of obtaining customers in bank outlets has been greatly impacted.Based on this,bank headquarters or provincial branches have proposed bank outlet transformation in their operations,and have made many attempts and measures in bank outlet transformation.However,from the phased results of bank outlet transformation,the current bank outlet transformation focuses more on outlet hardware transformation,intelligent equipment investment,etc,such as accelerating the renovation of outlets and increasing the investment in intelligent equipment in outlets and halls.In order to make the transformation of bank outlets more in line with the development trend of the times,better adapt to the changes of customers’ financial trading habits,and better adapt to the impact of Internet Finance and financial technology on the operation of traditional outlets,the digital transformation of bank outlets should be the focus direction of the transformation of traditional bank outlets in the future.By analyzing the rapid development and application of Internet Finance and financial technology in recent years,this paper expounds the impact of Internet Finance and financial technology on the operation status of traditional bank outlets.In order to deal with the impact of Internet Finance and financial technology on the operation of traditional bank outlets,this paper expounds the necessity of digital transformation of traditional banks.Based on the measures and achievements that J branch of bank A has taken in the network digital transformation,this paper analyzes the shortcomings of J branch of bank A in the process of network digital transformation,and believes that J branch of bank A has insufficient focus on digitization in the process of network digital transformation,which is specifically reflected in the insufficient comprehensive service digital transformation,the insufficient in-depth product digital transformation,and the insufficient application of marketing digital transformation There is no joint force in the digital transformation of operation,and J provincial branch of bank A focuses too much on the intelligent construction of network in the process of digital transformation of network.Based on the above deficiencies and cause analysis,this paper puts forward specific optimization measures for J provincial branch of bank A in the transformation of network service digitization,product digitization,marketing digitization and operation digitization,and expounds the guarantee measures for the implementation of network digital transformation.