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1、 2001 Financial Fusion, Inc. TMFusion Powered e-FinanceTMFusion Powered e-FinancePat Fodor Vice President Global Business Development金融行业在Internet时代 如何完善自身发展 2001 Financial Fusion, Inc. TMFusion Powered e-Finance 2001 Financial Fusion, Inc. TMFusion Powered e-Finance第四种渠道Channel One Person-to-person
2、Channel Three TelephoneChannel Two MailChannel Four InternetSource: Forrester 2001 Financial Fusion, Inc. TMFusion Powered e-Finance第四种渠道的必要性Create mutual support among channelsLeverage domination in old channelsSynchronize channelsSame resultSource: Forrester 2001 Financial Fusion, Inc. TMFusion Po
3、wered e-Finance开放式金融服务Emerging affluent consumers enjoying best-of-breed financial services combined with the easy electronic movement of moneySource: Forrester 2001 Financial Fusion, Inc. TMFusion Powered e-Finance开放式金融服务的组成部分1) What do I own?Account dataYour Accounts2) How am I doing?Financial ana
4、lysis4) Do it!Execute EFTTransact3) What should I do?AdviceInternetxxx _ $ xxx xxx _ $ xxx xxx _ $ xxxSource: Forrester 2001 Financial Fusion, Inc. TMFusion Powered e-Finance银行的问题Call MgmtATM ProcessorCall Ctr. AgentBranchRemote BankingATM DeviceSales KioskIVRTelephoneMisc.Mobile DevicesBranchMainfr
5、ame Third PartyDepartmental Core Processing Systems FulfillmentCustomer从IT的角度来 看，框架就 象右图所示, 银行如何提高 用户忠诚度 或提供额外 的交叉销售 和服务？Source: Tower Group 2001 Financial Fusion, Inc. TMFusion Powered e-FinanceCustomers would be more interested in Online Banking if it.0%10%20%30%40%Made Budgeting EasierSaved TimeI
6、mproved ServiceWas Pervasive银行现在如何进行在线交易?许多已经投入使用的网上银 行业务 检查账户余额 基金转账 账单支付 开办新账号 如果程序易于使用并且可以 提高服务的质量，有38%的网 上用户将乐于使用网上银行Source: BAI/TCG Study, 2000 2001 Financial Fusion, Inc. TMFusion Powered e-Finance0102030405060708090199920002001200220032004Millions of UsersNorth AmericaAsiaEurope在2004年，全球将有150
7、M的用户使用无线金融服务Source:Celent 2001 Financial Fusion, Inc. TMFusion Powered e-Finance0%20%40%60%80%100%199920002001200220032004AsiaEuropeNorth AmericaAdoption of Wireless Services at Retail Financial InstitutionsWireless尽管移动电子商务尚在萌芽阶段，但是由于用户的需求，移动 银行已经成为发展最迅猛的服务之一Source:Celent 2001 Financial Fusion, Inc.
8、 TMFusion Powered e-FinanceDeal CaptureRisk ManagementOrder ManagementTradingPricingClearing & SettlementAccountingComplianceAnalyticsReportingHard-coded linksImpossible to maintain, expensive, and prone to errors over time= External interfaces (e.g. SWIFT, FIX, market data, etc.)投资机构的问题直通交易需要全面的，一致
9、的消息和应用框架 2001 Financial Fusion, Inc. TMFusion Powered e-Finance-24681012141619961997199819992000200120022003MainstreamModerately IndependentSelf DirectedMillions of UsersRetail Brokerage主流的投资商将在投资领域占有主导地位Source:Celent 2001 Financial Fusion, Inc. TMFusion Powered e-FinanceAverage Daily Trading Volume
10、 Retail Online Trading-200,000400,000600,000800,0001,000,0001,200,0001,400,0001,600,0002Q974Q972Q984Q982Q994Q992Q004Q00Number of Trades2Q00散户投资者领域Retail BrokerageSource:Celent 2001 Financial Fusion, Inc. TMFusion Powered e-FinanceSTP 的缺陷是价格过高 企业每年为此花费$12 billion 20%交易账号占据了80%的流程开销High fixed costs ev
11、en for 100% STP53% of instructions need repair and query10% of transactions result in mismatches15% of transactions fail to settle on timeCauseEffect$50+ cost of settlement failures$10 fixed cost$8 cost of repair$16 cost of mismatchSource:S.W.I.F.T. 2001 Financial Fusion, Inc. TMFusion Powered e-Fin
12、ance接下来的1-2年中需要关注的 支付 基于Email的电子支付 无线支付, esp. Europe & Asia-Pac EBPP 在线经纪人业务继续保持低迷 小型企业上网的主动性Source:Celent 2001 Financial Fusion, Inc. TMFusion Powered e-Finance针对小企业的银行具有很大机会Wholesale BankingSource:Celent 2001 Financial Fusion, Inc. TMFusion Powered e-Finance在金融开放世界中谁将取得极大发展 开放式金融服务提供商 专家Source: Fo
13、rrester 2001 Financial Fusion, Inc. TMFusion Powered e-Finance aggregates account information, sells products from many financial companies, and provides comprehensive advice.Source: Forrester开放式金融服务提供商. . . 2001 Financial Fusion, Inc. TMFusion Powered e-FinanceFirst UnionFidelityJohn HancockNissan
14、CreditCountrywideAmerican ExpressLibertyE*TRADEAuto loanLife insurance policyMortgageCredit card accountMoney market accountVariable annuity401(k)Brokerage accountSource: Forrester专一的用户需求分析 2001 Financial Fusion, Inc. TMFusion Powered e-FinanceChecking$8,000Mortgage$150,000 Savings$10,000Auto loan$1
15、3,000 Mutual funds$15,000Credit card$4,500 401(k)$48,000Portfolio StatementSource: Forrester专一的用户需求分析 2001 Financial Fusion, Inc. TMFusion Powered e-Finance资产管理 风险 交叉销售机会 提高用户持续购买率 建议的收入 用户所有权 2001 Financial Fusion, Inc. TMFusion Powered e-FinanceSource: Celent资产管理 Fis可获得的价值通过交叉销售可以获得一年$4.8 billion
16、的潜在的额外的收入，或相当于每用户$240 计划将要使用在线金融服务的美国用户将从现在的大约2.1 million达到2005年的20million的水平 2001 Financial Fusion, Inc. TMFusion Powered e-Finance为何进行内容发布?更快地进入市场及时地了解用户需求更高的投资回报率高度地集成和发布可以利用更多的渠道提高企业的知名度 2001 Financial Fusion, Inc. TMFusion Powered e-FinanceSource: Cyber Dialog内容个性化个性化内容在逐渐普及 2001 Financial Fusion, Inc. TMFusion Powered e-FinanceSource: Cyber Dialog内容个性化金融内容是最普及的个性化内容类型 2001 Finan
