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Presentation by
A.Krishna Kumar
Deputy Managing Director (IT) State Bank of India
6th Banking Technology 2010 Conference & Banking Technology Awards 2009
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Contents of Presentation
Customer Satisfaction
Service Quality
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Custormer Satisfaction
Customer satisfaction is the key to remain in business Customer should get what is needed
State Bank of India
96% dissatisfied customers dont complain- but share with others. 91% unhappy customers never purchase goods / services again. 82-95% customers can be retained if they get a prompt response. It costs 5 times to attract a new customer than to retain an existing customer.
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Service Quality
Customer needs go on changing. Expectations continue to increase. Quality level needs to be improved accordingly.
State Bank of India
Quality in a product or service is not what the supplier puts in. It is the value the customer perceives. Quality in customer service requires awareness of needs, problems, fears and aspirations of the customer It is extremely important to deliver what is promised
Demand generation is always easier than demand fulfillment Strive to give customers more than what they expect
Dissatisfied Customers like to talk to a real, live, responsive person who will listen and help them get satisfaction
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Communicate with customers not only while transacting but more importantly when not transacting Complaint resolution mechanism should leverage technology and also have real, live, responsive persons to communicate to dissatisfied customers whenever needed
Customer Feedback
Discover customer dissatisfaction Identify customer needs Discover priorities of Quality Compare performance with the competition Determine opportunities for improvement
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5
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Across all Channels and touch points Keep IT infrastructure scaled up to the expected / real volumes and running 24x7
Leverage existing customer information / behavior for knowing customer needs in advance
Data Warehouse and Customer Relationship Management
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A number of Indians appear in Forbes Billionaires list yet India also has the largest concentration of poor Luxury cars and bullock carts share the same roads Skyscrapers coexist with slums First challenge is to provide quality service to all the customer classes as per their needs
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500 million Mobile users but about half of them do not have a bank account One bank branch caters to 16,000 individuals in India, while a similar branch in developed countries address the needs of 1,500 to 4,500 individuals. Second challenge is to reach 600,000+ villages and provide Financial Inclusion
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Projected to overtake Germany as the worlds fifth largest consumer market In two decades, Indian middle class (earning between $4500 to $22000 per year) will be more than half a billion strong Third challenge is to scale up to the growing demand for banking services
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Stakeholders
Customers
Prospects
Mobile Banking
Help Desk
Call Centre
OPERATING UNITS
Product Development
Corporate Office
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11
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Using Leased lines, ISDN, PSTN, MPLS, VSATs More than 25,000 touch points
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ATM Project
Nearly 20,000 ATMs Largest Bank owned network in the world 66 mn.- Largest card base in South Asia Part land lines and part through VSATs 300 hits per ATM
Transaction Volume Average : 134 million per month Cash dispensed Rs. 330 billion per month
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Internet Banking
Retail Services Corporate Services
Customer to Self Customer to Customer Customer to Utility Service Provider Customer to Institutions Customer to e-commerce sites Customer to Government
Business to Self Business to Business Business to Employees Business to Institutions Business to Government
No. of Users:
4 million
Services:
Funds transfers (including through RTGS & NEFT, Payment of utility bills, Payment of taxes, Booking of Rail/Air tickets 14
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Mobile Banking
Services
Funds transfer using NEFT Enquiry Services (Balance enquiry / Mini statement) Request Services (Cheque book request) Bill Payment (Utility bills, Credit Cards) m-Commerce (Mobile top up, Merchant Payments, SBI Life Insurance premium) 1.5 lac registered users
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Enabled through Point of Sale (POS) instrument and Smart Cards Reaching 100 thousand unbanked villages Over 1million No Frills Savings accounts opened Government benefits paid directly to beneficiary's account Operated through Business Correspondent model
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Revamping Network Scaling up ATM installations to 25000 within this year Opening 1000 branches every year
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Nearly 20000 ATMs of the group All branches enabled for Secure Internet Banking and Mobile Banking All branches enabled for RTGS and NEFT State of the art Data Centre and Disaster Recovery Site Enabled E-Government projects
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20
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Thank you
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