畢馬威中國:新常態下銀行分行客流斷崖式下降
畢馬威中國聯同京東集團(09618.HK)旗下京東雲共同發佈《智慧網點與數位化行銷營運白皮書》,指近年隨著金融科技應用深化,不斷重塑銀行業生態,加上新冠疫情進一步推動金融服務線上化,人在日常生活中對實體分行的依賴性逐漸降低,分行客流量斷崖式下降,零售能力明顯減弱。
畢馬威中國認為,在新冠疫情影響和金融科技快速發展的雙重影響下,傳統金融機構線下實體分行面臨嚴重生存困境,金融機構急需加強線下及線上渠道融合、加強金融服務與非金融服務融合,才能推動業務增長。
《白皮書》對16家銀行共50家省級分行對行調查研究,當中86%受訪分行認為,雖然實體分行數目下跌,但不會被完全取代,以滿足特殊客戶群的需求,及進行高度非標準化的複雜業務;94%的受訪分行已開展數碼化轉型;受訪分行之中,60%表示數碼化轉型的成效已顯現,28%表示其成效好於預期。
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