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Warum Banken E-Commerce verkaufen sollten

7 min read

What do you think of when you think of the word E-Commerce? What’s the first thing that comes to your mind when you hear the term?

Für viele Menschen, es könnte bei großen Online-Händlern wie Amazon oder Alibaba gekauft werden. Für andere, es könnte T-Shirts und Nippes auf Plattformen wie eBay oder Etsy verkaufen.

Aber in vielerlei Hinsicht, E-Commerce ist viel mehr als nur der Online-Verkauf physischer Waren. Für einige Branchen und Unternehmen, wie Banken, E-Commerce ist eine Möglichkeit, mehr über ihre Kunden zu erfahren, Sammeln und nutzen Sie mehr Kundendaten, Kreuz identifizieren und sich darauf einlassen- und Upselling-Möglichkeiten – und letztendlich einen höheren durchschnittlichen Umsatz pro Benutzer erzielen (oder Kunde). Und am Ende des Tages, making more money for you and your business is what it’s really all about, rechts?

So let’s learn a bit about why banks should be selling ecommerce to their customers.

1. Drive traffic to your site

In diesen Tagen, with inflation rising and supply chain disruptions threatening product availability and price points, it seems like everyone is focused on getting a good value — the mostbang for their buck,” sozusagen. It’s why bundles and combos are so popular: rather than pay for and pick up a single item at a handful of separate stores, many customers prefer aone-and-doneapproach to shopping where they only have to make one stop.

Denken: if you’re craving fast food burgers and fries, despite your preferences for specific restaurants, it’s unlikely that you’re going to go to one restaurant for the sandwich, another restaurant for the fries, another restaurant for the chicken tenders, another restaurant for a milkshake, another restaurant for soda

If a customer can purchase more than one service from your business, das macht es automatisch attraktiver für sie. Die Bankenbranche ist ziemlich wettbewerbsintensiv, und über die Kernprodukte hinaus, die viele Banken anbieten – Giro- und Sparkonten, Privat- und Geschäftskredite, hochverzinsliche Produkte, und so weiter – viele Banken suchen nach neuen Produkten und Dienstleistungen, die sie anbieten können, um das Interesse der Kunden zu wecken. Das Angebot von E-Commerce für Ihre Bankkunden, die nach Dienstleistungen für ihr Unternehmen suchen, kann also ein einfacher Gewinn sein.

2. Greifen Sie auf mehr Daten zu

You probably already collect a fair amount of your customers’ Daten. Anytime they engage in banking transactions or buy your bank’s products and services, your business accumulates that data, which it can use in a number of ways — we’ll get into that more below.

By selling ecommerce alongside your more traditional banking products, you’ll addd another insight-rich data stream to your business: what services your customers are selling, what products aren’t selling, the volume of their sales and revenue, und so weiter.

This can give your business a fuller picture and profile of your customers and their habits and financial dreams, which can help inform how you manage your relationship and do business with them in the future.

3. Identify cross- and upsell opportunities

As part of that greater data collection, you’ll gain a greater awareness of your customersmotivations and business goals. Diese, wiederum, can help you pinpoint which of your customers would be most likely to buy additional goods and services from your bank — as well as what goods and services they’re most interested in.

Zum Beispiel, some of your new ecommerce customers might not be aware of all of the banking products you have on hand that can help them grow their business, so you’ll have the chance to cross-sell them on those things, bringing in more revenue to your business.

You may also have some existing bank customers who, after utilizing your new ecommerce services and launching their own online store, find that they need more of your higher-end products — a business credit card with a higher limit, money market accounts, basic payroll services, etc. — giving you an opportunity to upsell them on your bank’s more exclusive features.

4. Keep up with competitors

Whether or not Ihre bank is serious about providing ecommerce services to its customers, Sie haben vielleicht schon bemerkt, dass viele andere Banken unterschiedlicher Größe ihren Kunden inzwischen die Möglichkeit bieten, einen Online-Shop einzurichten (oder, wie Bank of America, haben sich selbst eingerichtet!).

Möglicherweise haben Sie auch mehrere große Online-Händler gesehen, darunter Walmart, Alibaba, und Rakuten, die Interesse bekundet oder Schritte unternommen haben, selbst eine Bank zu werden. Dieses Verschwimmen der Grenzen zwischen Einzelhändlern und Banken wird in westlichen Märkten immer üblicher werden und wird an Orten wie z. B. bereits Teil der De-facto-Marktstruktur China und Japan.

Wenn Verbraucher darauf achten, dass Unternehmen und Institutionen häufig mehr als nur ein oder zwei Kerndienste anbieten, E-Commerce bietet Banken eine einfache Möglichkeit, die Dinge, die ihre Kunden benötigen, besser vorherzusehen und mit dem Aufbau ihrer Service-Suite zu beginnen. Banks that continue to focus solely on selling banking products risk being left behind in an increasingly competitive marketplace.

We hope the information above has been helpful, but look: the bottom line is that selling ecommerce helps your bank’s bottom line. As a bank, if your exposure to ecommerce has been limited — maybe a basic online portal and some payment processing — your business is leaving a lot of money on the table.

So we want to hear from you! Does your bank or the bank you do business with offer robust ecommerce services alongside its banking products, or is their ecommerce offering more basic and simple? Lassen Sie uns wissen in den Kommentaren!

Inhaltsverzeichnis

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Über den Autor

Colin Thompson is a content writer at Ecwid. He writes about marketing, business development, and promotion for our Ecwid Partners. He loves cats, Chicago sports, deep dish pizza and going on hikes.

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