On the one hand, the Internet e-commerce platform is in full swing to prepare for the "6. 18 Shopping Festival", and on the other hand, the bank e-commerce shopping platform is collectively "dumb". At present, e-commerce shopping is in full swing. Why is there such a contrast? Where is the future development of bank e-commerce platform?
According to the announcement, due to business adjustment, ICBC will stop purchasing personal mall related services at 24: 00 on June 30.
At the same time, ICBC will also stop the business sales, business circle sales, cross-border trade and other related services of the electronic mall, and the service functions such as bill brokerage, ICBC's centralized procurement and judicial auction will be migrated to the homepage of the ICBC portal.
Official website shows that the e-commerce platform of ICBC was officially opened on 20 14 10 12. The platform adheres to the positioning of "famous merchants, famous brands and famous shops", organically integrates customers and merchants, organically links payment and financing, and organically unifies logistics, capital flow and information flow, and strives to build a consumer purchase platform that customers like, a sales promotion platform that merchants rely on, a financial service platform that integrates payment and financing, and a third-rate data management platform.
At present, Jung Mall has gathered hundreds of well-known brands in more than ten industries, including digital home appliances, automobiles, financial products, clothing, shoes and hats, food and beverages, jewelry and gifts, transportation and tourism.
Su said that looking at the development of bank e-commerce, there are many shortcomings in some banks' e-commerce platforms, such as the lack of evaluation system for goods and shops, the technical support and innovation are far less than those of Internet e-commerce platforms, and the poor experience makes it difficult for platforms to retain users. As a traditional financial institution, banks are rooted in offline outlets, and their efforts in publicity and promotion are insufficient, which leads to consumers' low awareness of their brands. Some bank customers don't even know that banks have related shopping platforms.
Talking about the future development direction of bank e-commerce platform, Su said: "The future development of bank e-commerce platform depends on the coordination ability among bank capital flow, information flow and logistics. It is necessary to break through the shackles of traditional banks and integrate more into Internet thinking. There are still opportunities for e-commerce. In the future, we can make greater contributions to promoting consumption and supporting small and micro enterprises by combining various topics such as helping agriculture and helping the poor. "
Wang Pengbo said that from the perspective of user operation, the bank e-commerce platform should be controlled from the choice of varieties to the scale, and should not continue to be as big as the Internet e-commerce platform, because from the positioning or initial intention of bank e-commerce, it is to serve the bank financial business itself. The main purpose is to enhance the user's stickiness through self-built scenarios. Wang Pengbo suggested that we should conform to the current trend of e-commerce, cooperate with external platforms and service providers, give full play to our overall financial advantages, drive the development of e-commerce platforms, and achieve a win-win situation.
National business daily
Related questions and answers: