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KNOWING CUSTOMER IN RETAIL BANKING

KNOWING CUSTOMER IN RETAIL BANKING

Discuss KNOWING CUSTOMER IN RETAIL BANKING within the Service Sector Management (S.S.M) forums, part of the PUBLISH / UPLOAD PROJECT OR DOWNLOAD REFERENCE PROJECT category; o KNOWING CUSTOMER ‘Know your Customer’ is a concept which is easier said than practiced. Banks face several hurdles in ...

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KNOWING CUSTOMER IN RETAIL BANKING
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Abhijeet S
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KNOWING CUSTOMER IN RETAIL BANKING - October 4th, 2010

o KNOWING CUSTOMER


‘Know your Customer’ is a concept which is easier said than practiced. Banks face several hurdles in achieving this. In order to that the product lines are targeted at the right customers-present and prospective-it is imperative that an integrated view of customers is available to the banks.


The benefits flowing out of cross-selling and up-selling will remain a far cry in the absence of this vital input. In this regard the customer databases available with most of the public sector banks, if not all, remain far from being enviable.



What needs to be done is setting up of a robust data warehouse where from meaningful data on customers, their preferences, there spending patterns, etc. can be mined. Cleansing of existing data is the first step in this direction. PSBs have a long way to go in this regard.


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