CRM System for a Joint-Stock Commercial Bank
With the advancement of financial market reforms and the gradual implementation of interest rate liberalization, competition within China’s banking industry has intensified. As the market becomes increasingly saturated and products more homogenized, customers have emerged as the key to sustainable growth for commercial banks. Winning customers means winning the market—a widely accepted truth across the industry.
The core challenge facing banks today is how to truly understand and gain insight into their customers in order to retain and grow the customer base. Against the backdrop of significant changes in business models, CRM systems have gained strategic importance and attention within banks.
This project developed three segmentation models tailored to the bank's actual operations: dormant customers, low-value active customers, and high-value active customers. Each customer group was analyzed based on its unique characteristics. These segmentation insights were surfaced through the CRM system’s front-end interface, enabling internal staff to perform targeted follow-up marketing.
ACRM Phase One
Phase One focused on building three core modeling themes—Customer Segmentation, Customer Acquisition, and Customer Retention—along with nine major customer label categories: Basic Information, Risk, Behavioral Data, Early Warning, Asset Profile, Loyalty, Business Activity, Marketing Potential, and Contribution.
ACRM Phase Two
Phase Two emphasized the development of refined customer segmentation models, cross-selling models, and customer churn prediction models.
This project developed three segmentation models tailored to the bank's actual operations: dormant customers, low-value active customers, and high-value active customers. Each customer group was analyzed based on its unique characteristics. These segmentation insights were surfaced through the CRM system’s front-end interface, enabling internal staff to perform targeted follow-up marketing.
1.Managing a massive customer base is no longer feasible through manpower alone. The solution involved building a bank-wide customer database and deploying a comprehensive analytics platform. Advanced data analysis models were used to segment customers across multiple dimensions, such as customer tier, product preference, consumption behavior, channel interaction preference, risk appetite, investment preference, and lifecycle stage.
2.The system enabled behavior prediction through customer data analysis. Based on segmentation and predictive outcomes, the bank could accurately identify customer groups, enabling the development of tailored products and improving both response rates and marketing success rates.
3.Day-to-day banking operations generate vast volumes of data. Traditional reporting alone is insufficient to uncover hidden patterns or forecast trends. By leveraging data mining techniques, the bank could extract actionable insights from large datasets and apply these across all stages of the customer lifecycle.
This project successfully integrated customer-centric management principles with modern information technology to build an advanced retail CRM system. Once launched, the system enabled more responsive and comprehensive services across the customer lifecycle—pre-sale, during service, and post-sale—significantly improving marketing efficiency.
By restructuring the customer service workflow, the bank centralized customer data resources, empowering relationship managers to better discover, understand, and engage with high-quality clients. This not only fostered long-term customer relationships but also provided robust support for daily operations and the development of the relationship manager team.
中电金信鲸Bot RPA是一款面向金融行业客户的机器人流程自动化的开发平台。
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鲸Bot设计器
鲸Bot设计器集成了浏览器自动化组件,office办公自动化组件,数据库组件,文件处理组件、邮件组件等多种类型组件,通过全栈自动识别技术,自动识别目标元素,使开发过程所见即所得,降低了RPA开发门槛,让业务人员也可以方便地进行业务流程的开发。
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鲸Bot机器人
通过手动执行、定时执行、控制台远程调用的方式运行自动化流程,配合控制台对外提供API接口,供外部程序调用。通过特有的视觉反馈技术提供统一的异常处理机制,极大降低开发和运维成本,让RPA流程运行更加稳定,而解决金融行业因技术人员产能不足难以支持其业务发展的问题。
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