银行业务流程数字化的问题

N. Lukyanova, I. V. Oganisian, L. Y. Shcherbinina
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引用次数: 0

摘要

在当前客户竞争激烈的情况下,银行业务流程的数字化转型已成为一种必要。本文代表了区域银行业竞争营销分析的结果,以及加里宁格勒VTB银行区域办事处的内部分析。分析显示了当前的业务流程结构,并揭示了银行单个业务流程数字化的潜力。本文提出了一种重组企业客户开立往来账户业务流程的方法。建议的方法是基于对业务流程组织方式的分析、确定的问题、对其有效性的专家评估以及基准测试。在分析过程中,进行了实地研究,完成了开立经常账户业务流程的时序,并对其中一个阶段的数字化提出了若干建议。为组织业务流程的数字化转型开发了一个框架。实施往来账户业务流程数字化的建议,将减少时间成本,优化办公人员的工作,创造额外的利润。提出的解决方案已提交给该银行地区分行的管理层,并送交莫斯科VTB银行总部的it部门实施。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The problem of the bank's business processes digitalization
In the current conditions of fierce competition for the customer, the digital transformation of bank business processes has become a necessity. The article represents the results of competitive marketing analysis of the regional banking sector, as well as internal analysis of the regional office of VTB Bank in Kaliningrad. The analysis shows the current business process structures and reveals the potential for digitalization of individual business processes of the bank. The article proposes an approach to reorganize the business process of opening a current account for corporate clients. The proposed approach is based on the analysis of the way the business process is organized, the problems identified, expert assessments of its effectiveness conducted, as well as benchmarking. During the analysis, a field study was conducted, timing of the business process of opening a current account was done, as well as several proposals for the digitalization of one of its stages were made. A framework for the digital transformation of the organization business process was developed. The implementation of proposals for the digitalization of the business process of opening a current account will reduce time cost, optimize the work of the office staff, and will create additional profits. The proposed solution has been submitted to the management of the regional branch of the bank and sent for implementation to the IT-department at the head office of VTB Bank in Moscow.
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