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©2001FinancialFusion,Inc.TMFusionPowerede-FinanceTMFusionPowerede-FinancePatFodorVicePresidentGlobalBusinessDevelopment金融行业在Internet时代如何完善自身发展©2001FinancialFusion,Inc.TMFusionPowerede-Finance©2001FinancialFusion,Inc.TMFusionPowerede-Finance第四种渠道ChannelOnePerson-to-personChannelThreeTelephoneChannelTwoMailChannelFourInternetSource:Forrester©2001FinancialFusion,Inc.TMFusionPowerede-Finance第四种渠道的必要性CreatemutualsupportamongchannelsLeveragedominationinoldchannelsSynchronizechannelsSameresultSource:Forrester©2001FinancialFusion,Inc.TMFusionPowerede-Finance开放式金融服务Emergingaffluentconsumersenjoyingbest-of-breedfinancialservicescombinedwiththeeasyelectronicmovementofmoneySource:Forrester©2001FinancialFusion,Inc.TMFusionPowerede-Finance开放式金融服务的组成部分1)WhatdoIown?AccountdataYourAccounts2)HowamIdoing?Financialanalysis4)Doit!ExecuteEFTTransact3)WhatshouldIdo?AdviceInternetxxx___$xxxxxx___$xxxxxx___$xxxSource:Forrester©2001FinancialFusion,Inc.TMFusionPowerede-Finance银行的问题CallMgm’tATMProcessorCallCtr.AgentBranchRemoteBankingATMDeviceSalesKioskIVRTelephoneMisc.MobileDevicesBranchMainframeThirdPartyDepartmentalCoreProcessingSystemsFulfillmentCustomer从IT的角度来看，框架就象右图所示,银行如何提高用户忠诚度或提供额外的交叉销售和服务？Source:TowerGroup©2001FinancialFusion,Inc.TMFusionPowerede-FinanceCustomerswouldbemoreinterestedinOnlineBankingifit....0%10%20%30%40%MadeBudgetingEasierSavedTimeImprovedServiceWasPervasive银行现在如何进行在线交易?•许多已经投入使用的网上银行业务…–检查账户余额–基金转账–账单支付–开办新账号•如果程序易于使用并且可以提高服务的质量，有38%的网上用户将乐于使用网上银行Source:BAI/TCGStudy,2000©2001FinancialFusion,Inc.TMFusionPowerede-Finance0102030405060708090199920002001200220032004MillionsofUsersNorthAmericaAsiaEurope在2004年，全球将有150M的用户使用无线金融服务Source:Celent©2001FinancialFusion,Inc.TMFusionPowerede-Finance0%20%40%60%80%100%199920002001200220032004AsiaEuropeNorthAmericaAdoptionofWirelessServicesatRetailFinancialInstitutionsWireless…尽管移动电子商务尚在萌芽阶段，但是由于用户的需求，移动银行已经成为发展最迅猛的服务之一Source:Celent©2001FinancialFusion,Inc.TMFusionPowerede-FinanceDealCaptureRiskManagementOrderManagementTradingPricingClearing&SettlementAccountingComplianceAnalyticsReportingHard-codedlinksImpossibletomaintain,expensive,andpronetoerrorsovertime=Externalinterfaces(e.g.SWIFT,FIX,marketdata,etc.)投资机构的问题…直通交易需要全面的，一致的消息和应用框架©2001FinancialFusion,Inc.TMFusionPowerede-Finance-24681012141619961997199819992000200120022003MainstreamModeratelyIndependentSelfDirectedMillionsofUsersRetailBrokerage主流的投资商将在投资领域占有主导地位Source:Celent©2001FinancialFusion,Inc.TMFusionPowerede-FinanceAverageDailyTradingVolume–RetailOnlineTrading-200,000400,000600,000800,0001,000,0001,200,0001,400,0001,600,000NumberofTrades散户投资者领域…RetailBrokerageSource:Celent©2001FinancialFusion,Inc.TMFusionPowerede-FinanceSTP的缺陷是价格过高…•企业每年为此花费$12billion•20%交易账号占据了80%的流程开销Highfixedcostsevenfor100%STP53%ofinstructionsneedrepairandquery10%oftransactionsresultinmismatches15%oftransactionsfailtosettleontimeCauseEffect$50+costofsettlementfailures$10fixedcost$8costofrepair$16costofmismatchSource:S.W.I.F.T.©2001FinancialFusion,Inc.TMFusionPowerede-Finance接下来的1-2年中需要关注的…•支付–基于Email的电子支付–无线支付,esp.Europe&Asia-Pac–EBPP•在线经纪人业务继续保持低迷•小型企业上网的主动性Source:Celent©2001FinancialFusion,Inc.TMFusionPowerede-Finance(Total2000=US$54.2bn)Tax5%Asset-basedfinancing6%Otherlending9%Other11%Investment7%Payroll5%LineofCredit13%Deposit44%针对小企业的银行具有很大机会…WholesaleBankingSource:Celent©2001FinancialFusion,Inc.TMFusionPowerede-Finance在金融开放世界中谁将取得极大发展…•开放式金融服务提供商•专家Source:Forrester©2001FinancialFusion,Inc.TMFusionPowerede-Finance…aggregatesaccountinformation,sellsproductsfrommanyfinancialcompanies,andprovidescomprehensiveadvice.Source:Forrester开放式金融服务提供商...©2001FinancialFusion,Inc.TMFusionPowerede-FinanceFirstUnionFidelityJohnHancockNissanCreditCountrywideAmericanExpressLibertyE*TRADEAutoloanLifeinsurancepolicyMortgageCreditcardaccountMoneymarketaccountVariableannuity401(k)BrokerageaccountSource:Forrester专一的用户需求分析…©2001FinancialFusion,Inc.TMFusionPowerede-FinanceChecking$8,000Mortgage$150,000Savings$10,000Autoloan$13,000Mutualfunds$15,000Creditcard$4,500401(k)$48,000PortfolioStatementSource:Forrester专一的用户需求分析©2001FinancialFusion,Inc.TMFusionPowerede-Finance资产管理–风险•交叉销售机会•提高用户持续购买率•建议的收入•用户所有权©2001FinancialFusion,Inc.TMFusionPowerede-FinanceSource:Celent资产管理–Fis可获得的价值•通过交叉销售可以获得一年$4.8billion的潜在的额外的收入，或相当于每用户$240•计划将要使用在线金融服务的美国用户将从现在的大约2.1million达到2005年的20million的水平©2001FinancialFusion,Inc.TMFusionPowerede-Finance为何进行内容发布?•更快地进入市场–及时地了解用户需求–更高的投资回报率•高度地集成和发布–可以利用更多的渠道提高企业的知名度©2001FinancialFusion,Inc.TMFusionPowerede-FinanceSource:CyberDialogInternetUsersReceivingPersonalizedContent2.89.812.618.820%23%29%9%02468101214161820April'97July'98Jan.'99July'99NumberofUsers(Millions)0%5%10%15%20%25%30%PercentageofUsersNumberofInternetUsersPersonalizingContentPercentageofInternetUsersPersonalizingContent内容个性化个性化内容在逐渐普及©2001FinancialFusion,Inc.TMFusionPowerede-FinanceTypesofPersonalizedContent17%17%11%17%8%27%21%19%17%8%N/A23%0%5%10%15%20%25%30%StockPortfolioBusiness/IndustryNewsWeatherSportsNationalNewsShoppingPercentageofUsers19991998Source:CyberDialog内容个性化金融内容是最普及的