Multi-channel synergy to enhance the financial competitiveness of electric dealers

With the rapid development of internet economy, e-commerce has become an epoch-making business revolution, which has led to the profound change of residents ' living consumption, enterprise production and operation and social and commercial circulation. E-commerce will completely subvert the operating environment that traditional commercial banks rely on to survive, and promote the transformation and innovation of bank business model and management idea.

To meet the environmental challenges of e-commerce new Economy (310358, fund bar), innovate the development mode of e-commerce and reconstruct the pattern of e-commerce market, has become a strategic move for commercial banks to enhance their core competitiveness and promote their business Operation transformation. How to take the lead in seizing the opportunity, changing the train of thought, establishing the operation mode and supporting mechanism suitable for the enterprise's Electronic business transformation, providing the cooperative and differentiated electric business financial service, is the subject that the banking actively explores.

Diversified demand promotes channel synergy

Information flow, capital flow and logistics are the core contents of e-commerce, among which, capital flow is the key link to determine whether E-commerce transactions can be safely and smoothly, convenient and low-cost, and its flow and processing efficiency and cost are directly related to the effect of electronic commerce. At present, the solution of capital flow problem depends mainly on the electronic payment channel provided by commercial banks.

With more and more enterprises "wading" e-business, the demand of electronic payment channels in the upstream and downstream supply chain shows a trend of diversification. Many of the company's distributors throughout the country, across the urban and rural areas, different customer groups have different payment preferences and security concerns, which support the flow of E-commerce funds to pay the settlement method put forward a higher demand, banks must provide coverage of online banking, mobile banking, telephone banking, counter remittance, etc., including a variety of online, The offline payment channel can meet the new demand of the enterprise in the process of electronic business.

Counter-View the development trend of E-commerce market, E-commerce really strong when the capital flow, information flow, logistics completely through, this process will inevitably through the offline sales to online + offline Fusion marketing phase development, until the formation of multi-channel real-time collaborative platform, thus building an open, collaborative, Thriving online under the integrated e-business ecosystem.

In the process of transformation, the single payment channel can not meet the diversified demand of enterprise's transformation, and the multi-channel Synergy concept emerges.

Multi-channel synergy to promote the silver and enterprise win

Multi-channel Synergy is the advantage of integrated electronic banking channels, unified the function of the channel payment, anytime, anywhere to provide customers with convenient payment services, to create a seamless multi-channel linkage payment system. Moreover, the payment information of each channel can match the order information in the electric business platform, and realize the high fusion of capital flow and information flow.

To make a simple analogy, dealers in the Electronic business platform under the order, in addition to the choice of common net silver payment, can also choose mobile phone, transfer phone, ATM, bank counters and other channels to pay, both with the bank card payment, but also support his bank card payment, and through a variety of channels to pay the order, Can be collected in real time to the electric business platform for unified management.

Through the multi-channel synergy can realize the supply chain upstream and downstream enterprises and the bank wins. For the upstream and downstream enterprises in the supply chain, through a variety of channels can be completed orders, payment, a full range of downstream distributors to meet the demand for a wide range of payments; At the same time, each channel payment information and order information real-time matching, can greatly reduce the enterprise financial and sales personnel, significantly reduce operating costs, improve efficiency; for the banks, By providing multi-channel and collaborative financial services, on the one hand can greatly improve the efficiency of banking services, reduce operating costs, on the other hand close to the relationship between banks and enterprises, enhance customer stickiness, for the bank to bring more capital flow and deposit deposits, and more offline products and services through multi-channel extension to the online electric business platform, Drive intermediary business and other business development.

At present, most of the E-commerce platform launched by each bank only supports a single Internet channel, and it is difficult for each channel to integrate into the financial development of the electric business. Can say, who can take the lead to crack the dilemma of channel Synergy, who will be able to occupy a leading position in the future competition.

"E Business Butler" Innovation highlights

"In the past, the company's financial staff run the bank every day, e business Butler On-line, realize the whole channel order collection, online reconciliation, online settlement, 24-hour processing business, very convenient and quick, E business Butler not only for us to do the electronic mall, but also provides multi-channel means of payment, both computer, mobile phone, there are telephone, POS; it has both ABC's and other banks '. This is especially important for companies like us that have a market all over the country and downstream distributors that go into rural townships. "Hubei fishing King Fishing Tackle Group general manager Gaojiaquan in the Agricultural Bank of China (601288, shares) E-commerce service platform" E Business Butler "Marketing conference to the participants to describe the multi-channel synergy to bring convenience and quick.

Compared with the traditional e-commerce platform, the "E-Butler" of ABC has the innovative features of "new orientation, new model and new technology". The platform adopts "cloud service + multi-channel" mode, set up an enterprise General Cloud Mall and sales management system, the enterprise's supply chain management, financial management, commodity management, order management, logistics management unified in a platform, and then through the payment channels for collaborative integration, to enterprises and distributors to provide multi-channel electronic business financial services, Help enterprises to quickly get through the entity channels and network sales, order collection and payment of funds, production and marketing, the realization of the enterprise electric Business management integration and convenience.

"E Business Butler" E-commerce Service Platform Integrated Enterprise network silver, personal network silver, mobile phone client, transfer telephone, telephone wallet, counter, POS machines and many other payment channels, on line, offline payment information in the "E Business Butler" System real-time rendering, to ensure that the order flow of information and capital flow synchronization, realizes the enterprise business model and the electronic commerce, the electronic payment deep fusion.

When the interbank electronic bank is still in the product channel, product terminal, industry application of vertical innovation phase, "E business Butler" has been horizontal integration of these products and channels, the realization of the "online + offline, the Bank + his line, with the city + off-site" capital of the entire channel of integration collection, for the enterprise to provide quality and perfect electric business financial services, It has successfully explored a multi-channel synergy between the transformation of the enterprise's electric business and the banking financial services.

As the innovation and extension of e-commerce business cooperation, "e-commerce Butler" platform functions will be further improved, so that E-commerce becomes a service enterprise customer groups, close supply chain upstream and downstream of the important platform of cooperation between banks and enterprises, comprehensively enhance the competitiveness of agricultural Bank and the "Wisdom of ABC" service level.