DY Bank Electronic Bank Competitiveness Evaluation And Improvement Strategy Research

With the rapid development of big data and cloud computing,residents’ savings habits and consumption preferences have undergone tremendous changes.As a new power engine for the development of the modern banking industry,electronic banking has become an important channel for commercial banks to attract customers.Therefore,how to improve the competitiveness of commercial banks’ e-banking business based on customer perception and satisfaction has become an important task for commercial banks to develop new driving forces.This thesis combs the relevant domestic and foreign literature,takes the characteristics of DY banks as the starting point,and selects 22 competitiveness measurement indicators in different dimensions,and then builds an e-bank competitiveness evaluation model based on the KANO model.Finally,by collecting 361 self-filled questionnaires,using the electronic bank competitiveness evaluation model to evaluate the competitiveness of DY Bank,and thus put forward the strategy of improving the competitiveness of DY Bank’s electronic banking.The research results show that:DY Bank’s electronic banking competitiveness comprehensive score P=3.0060,the overall competitiveness level is relatively strong,and it has a high competitiveness advantage in terms of basic guarantee,fund management and transaction security.In terms of emotion and personalized customization,the level of competitiveness is relatively low.Finally,based on the research results,the strategy and plan for improving the competitiveness of DY Bank’s electronic banking are put forward,namely:"customer first,service-oriented,technology empowerment",and enhance "humanistic soft power,equipment hard power,service advancement and follow-up power" ".Specifically include:the establishment of online and offline service systems;platform integration,digital transformation;use of technology to innovate promotional models,innovate business products,and dynamically improve services.The research conclusions of this thesis are conducive to the establishment of a sound e-banking competitiveness evaluation system for commercial banks,providing theoretical support for the bank’s sustainable and stable development,and also providing reference for the improvement of e-banking competitiveness of interbank financial institutions.