{"title":"银行营销的当前趋势","authors":"Olga Kozlova, O. Kotova, Evelina Slautina","doi":"10.21603/2500-3372-2024-9-2-241-252","DOIUrl":null,"url":null,"abstract":"New risks make bank marketing especially relevant in modern conditions, e.g., COVID-19 restrictions, political issues, economic sanctions, etc. These risks affect the activities of banks, which have to look for new ways to create and promote their services and products. Bank products are quite peculiar: on the one hand, they are difficult to perceive by potential customers; on the other hand, digital technologies provide banks with additional promotion andexpansion opportunities. Global trends in bank marketing include such new technologies as artificial intelligence and digital platforms, new mobile applications, new sales channels and competition with other banks in this sphere, cybersecurity, winning the trust of customers, etc. New risks force banks to fight for customers and expand their market share using bank marketing concepts and tools. Digital marketing includes not only new promotion channels but also such new approaches as brand performance. Banks strive to meet customers halfway and to conquer new age groups by using gamification and financial education. The authors used the 7P marketing model to analyze AO Bank.DOM.RF as an average Russian bank and to recommend new options of bank marketing in practice. The analysis included strengths, weaknesses, opportunities, and threats.","PeriodicalId":503169,"journal":{"name":"Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences","volume":"6 3","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2024-07-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Current Trends in Bank Marketing\",\"authors\":\"Olga Kozlova, O. Kotova, Evelina Slautina\",\"doi\":\"10.21603/2500-3372-2024-9-2-241-252\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"New risks make bank marketing especially relevant in modern conditions, e.g., COVID-19 restrictions, political issues, economic sanctions, etc. These risks affect the activities of banks, which have to look for new ways to create and promote their services and products. Bank products are quite peculiar: on the one hand, they are difficult to perceive by potential customers; on the other hand, digital technologies provide banks with additional promotion andexpansion opportunities. Global trends in bank marketing include such new technologies as artificial intelligence and digital platforms, new mobile applications, new sales channels and competition with other banks in this sphere, cybersecurity, winning the trust of customers, etc. New risks force banks to fight for customers and expand their market share using bank marketing concepts and tools. Digital marketing includes not only new promotion channels but also such new approaches as brand performance. Banks strive to meet customers halfway and to conquer new age groups by using gamification and financial education. The authors used the 7P marketing model to analyze AO Bank.DOM.RF as an average Russian bank and to recommend new options of bank marketing in practice. The analysis included strengths, weaknesses, opportunities, and threats.\",\"PeriodicalId\":503169,\"journal\":{\"name\":\"Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences\",\"volume\":\"6 3\",\"pages\":\"\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2024-07-12\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.21603/2500-3372-2024-9-2-241-252\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.21603/2500-3372-2024-9-2-241-252","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0
摘要
新的风险使银行营销在现代条件下尤为重要,例如 COVID-19 限制、政治问题、经济制裁等。这些风险影响着银行的活动,银行必须寻找新的方式来创造和推广自己的服务和产品。银行产品非常特殊:一方面,它们很难被潜在客户感知;另一方面,数字技术为银行提供了额外的推广和扩张机会。银行营销的全球趋势包括人工智能和数字平台等新技术、新的移动应用程序、新的销售渠道以及在这一领域与其他银行的竞争、网络安全、赢得客户信任等。新的风险迫使银行利用银行营销理念和工具争夺客户,扩大市场份额。数字营销不仅包括新的推广渠道,还包括品牌绩效等新方法。银行努力满足客户的需求,并通过游戏化和金融教育来征服新的年龄层。作者使用 7P 营销模式分析了 AO Bank.DOM.RF(一家普通的俄罗斯银行),并推荐了银行营销实践中的新方案。分析包括优势、劣势、机会和威胁。
New risks make bank marketing especially relevant in modern conditions, e.g., COVID-19 restrictions, political issues, economic sanctions, etc. These risks affect the activities of banks, which have to look for new ways to create and promote their services and products. Bank products are quite peculiar: on the one hand, they are difficult to perceive by potential customers; on the other hand, digital technologies provide banks with additional promotion andexpansion opportunities. Global trends in bank marketing include such new technologies as artificial intelligence and digital platforms, new mobile applications, new sales channels and competition with other banks in this sphere, cybersecurity, winning the trust of customers, etc. New risks force banks to fight for customers and expand their market share using bank marketing concepts and tools. Digital marketing includes not only new promotion channels but also such new approaches as brand performance. Banks strive to meet customers halfway and to conquer new age groups by using gamification and financial education. The authors used the 7P marketing model to analyze AO Bank.DOM.RF as an average Russian bank and to recommend new options of bank marketing in practice. The analysis included strengths, weaknesses, opportunities, and threats.