What do you think of when you think of the word ecommerce? What’s the first thing that comes to your mind when you hear the term?
Untuk banyak orang, mungkin membeli dari pengecer online besar seperti Amazon atau Alibaba. Untuk yang lain, itu bisa menjual t-shirt dan pernak-pernik di platform seperti eBay atau Etsy.
Tapi dalam banyak hal, e-niaga lebih dari sekadar menjual barang fisik secara online. Untuk beberapa industri dan bisnis, seperti bank, e-niaga adalah cara untuk mempelajari lebih lanjut tentang pelanggan mereka, kumpulkan dan manfaatkan lebih banyak data pelanggan, mengidentifikasi dan terlibat dalam lintas- dan peluang peningkatan penjualan — dan pada akhirnya mendorong pendapatan rata-rata yang lebih besar per pengguna (atau pelanggan). Dan pada akhir hari, making more money for you and your business is what it’s really all about, benar?
So let’s learn a bit about why banks should be selling ecommerce to their customers.
1. Drive traffic to your site
Hari ini, 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 most “bang for their buck,” jadi untuk berbicara. 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 a “one-and-done” approach to shopping where they only have to make one stop.
Berpikir tentang hal ini: 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, yang secara otomatis membuatnya lebih menarik bagi mereka. Industri perbankan cukup kompetitif, dan di luar produk inti yang ditawarkan banyak bank — rekening giro dan tabungan, pinjaman pribadi dan bisnis, produk berbasis minat tinggi, dan seterusnya — banyak bank mencari produk dan layanan baru yang dapat mereka tawarkan untuk menarik minat pelanggan. Jadi, menawarkan e-niaga kepada pelanggan perbankan Anda yang mencari layanan untuk bisnis mereka bisa menjadi kemenangan yang mudah.
2. Akses lebih banyak data
You probably already collect a fair amount of your customers’ data. 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, dan seterusnya.
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 customers’ motivations and business goals. Ini, pada gilirannya, 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.
Misalnya, 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, dll. — giving you an opportunity to upsell them on your bank’s more exclusive features.
4. Keep up with competitors
Whether or not anda bank is serious about providing ecommerce services to its customers, Anda mungkin telah memperhatikan bahwa banyak bank lain dengan berbagai ukuran mulai menawarkan pelanggan mereka kesempatan untuk mendirikan toko online (atau, seperti Bank of America, telah mengatur mereka sendiri!).
Anda mungkin juga telah melihat beberapa pengecer online besar, termasuk Walmart, Alibaba, dan Rakuten, yang telah menyatakan minatnya atau mengambil langkah-langkah untuk menjadi semacam bank itu sendiri. Garis kabur antara pengecer dan bank hanya akan menjadi lebih umum di pasar Barat dan sudah menjadi bagian dari struktur pasar de facto di tempat-tempat seperti Cina dan Jepang.
Saat konsumen melihat ke bisnis dan institusi, mereka sering menawarkan lebih dari satu atau dua layanan inti, e-niaga menawarkan cara mudah bagi bank untuk mengantisipasi dengan lebih baik hal-hal yang akan dibutuhkan pelanggan mereka dan mulai membangun rangkaian layanan mereka. 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? Marilah kita tahu di komentar!
