1 thought on “Customer classification in financial services”
Johnathan
The financial industry is a typical customer -intensive service industry. Whether it is banks, securities companies, fund companies, or insurance companies, there are huge number of customer groups. If the financial service industry wants to provide professional and personalized services, then the customer classifications are classified. Application is an important basic ability.
The classification of financial customers is more complicated: on the one hand, due to the wide range of financial industries, complex products, and a wide range of types; on the other hand Social composition is also very complicated, and customers’ financial demand is diversified.
The complexity of financial customer classification is that financial services are related to money, and money has greatly affected people’s psychology. Personal customers are often very emotional about money.
The financial institutions only divide customers according to products or assets. For example, if the bank is divided by the customer’s financial asset level at the bank , Low assets Volkswagen Customers. This division method is actually a division of customers from the perspective of bank products and services. This division of ways allows the front -line service staff of the banking financial institutions to know which products to provide services, but it cannot solve the provision of the customers with providing customers. The essential issue of personalized services. The core of financial customers is customers, not products.
If the classification of financial customers is more based on the understanding of the attitude and behavior of the customer. For example, a financial institution will use the degree of consumption and savings to control the degree of consumption and savings The trust and needs of financial consultants and investors’ psychology are divided into five key dimensions, as shown in the figure below.
. The degree of control of consumption and savings
This and savings is the two most basic financial needs of society. People with the same social status and income levels have huge behaviors in consumption and savings. Some people are in the same amount, rarely spend over, retain traditional diligence and virtues; some people have planned ahead and controlling consumption, often paying attention to savings for longer -term expenditure targets; some people’s debt consumption, and the impulse to consumption often surpass the degree of support for savings.
. Interest and knowledge of money
The attitude towards customers is a knowledge of money. What customers want to say are often inconsistent with what they will do. Just like someone said, “If I have one million, I must buy a Mercedes -Benz car first.” But when he really had one million, it might give priority to solving other needs. From the actual situation, many ordinary consumers’ knowledge of money only stays on the basic payment tools, and wealth customers obviously need to increase the awareness of money to the height of finance.
. The desire of accumulation and consumption
The customer’s desire for accumulation and consumption determines the sustainability of customers’ investment behavior. The goal of some investment -type customers is to accumulate through investment, so when they make a profit, all the income they get will be put into investment process again. And some people invest in profit -making, they will take out the investment of investment for consumption. This type of customers’ sustainable investment willingness will often be affected by the investment results. Consumption and losses may also stop investing in silence.
. The trust and demand for financial consultants
For financial services such as bank wealth management, securities services, insurance services, investment services And demand is a very critical classification dimension. Customers’ attitude towards financial advisers is also an important indicator. A recommendation of financial consultants who consider professional customers often have a review of financial consultants. Many customers will rely on financial consultants and believe that financial consultants are omnipotent. Financial advisers accurately understand the attitude and dependence of customers in financial recommendations, which is very important for how to take more effective service actions.
. Investor psychology
The proper division of customer investment psychology is a very important classification dimension. Especially for investment financial products such as securities, funds, wealth management, bonds, etc., investor psychology determines how customers choose financial services. Stable investors prefer bonds for fixed income products, and radical investors are more willing to try trading financial products such as stocks and futures. Sometimes investors’ psychology is called financial personality, and it is a significant measure to classify the customer’s financial character and financial product correlation.
The financial industry is a typical customer -intensive service industry. Whether it is banks, securities companies, fund companies, or insurance companies, there are huge number of customer groups. If the financial service industry wants to provide professional and personalized services, then the customer classifications are classified. Application is an important basic ability.
The classification of financial customers is more complicated: on the one hand, due to the wide range of financial industries, complex products, and a wide range of types; on the other hand Social composition is also very complicated, and customers’ financial demand is diversified.
The complexity of financial customer classification is that financial services are related to money, and money has greatly affected people’s psychology. Personal customers are often very emotional about money.
The financial institutions only divide customers according to products or assets. For example, if the bank is divided by the customer’s financial asset level at the bank , Low assets Volkswagen Customers. This division method is actually a division of customers from the perspective of bank products and services. This division of ways allows the front -line service staff of the banking financial institutions to know which products to provide services, but it cannot solve the provision of the customers with providing customers. The essential issue of personalized services. The core of financial customers is customers, not products.
If the classification of financial customers is more based on the understanding of the attitude and behavior of the customer. For example, a financial institution will use the degree of consumption and savings to control the degree of consumption and savings The trust and needs of financial consultants and investors’ psychology are divided into five key dimensions, as shown in the figure below.
. The degree of control of consumption and savings
This and savings is the two most basic financial needs of society. People with the same social status and income levels have huge behaviors in consumption and savings. Some people are in the same amount, rarely spend over, retain traditional diligence and virtues; some people have planned ahead and controlling consumption, often paying attention to savings for longer -term expenditure targets; some people’s debt consumption, and the impulse to consumption often surpass the degree of support for savings.
. Interest and knowledge of money
The attitude towards customers is a knowledge of money. What customers want to say are often inconsistent with what they will do. Just like someone said, “If I have one million, I must buy a Mercedes -Benz car first.” But when he really had one million, it might give priority to solving other needs. From the actual situation, many ordinary consumers’ knowledge of money only stays on the basic payment tools, and wealth customers obviously need to increase the awareness of money to the height of finance.
. The desire of accumulation and consumption
The customer’s desire for accumulation and consumption determines the sustainability of customers’ investment behavior. The goal of some investment -type customers is to accumulate through investment, so when they make a profit, all the income they get will be put into investment process again. And some people invest in profit -making, they will take out the investment of investment for consumption. This type of customers’ sustainable investment willingness will often be affected by the investment results. Consumption and losses may also stop investing in silence.
. The trust and demand for financial consultants
For financial services such as bank wealth management, securities services, insurance services, investment services And demand is a very critical classification dimension. Customers’ attitude towards financial advisers is also an important indicator. A recommendation of financial consultants who consider professional customers often have a review of financial consultants. Many customers will rely on financial consultants and believe that financial consultants are omnipotent. Financial advisers accurately understand the attitude and dependence of customers in financial recommendations, which is very important for how to take more effective service actions.
. Investor psychology
The proper division of customer investment psychology is a very important classification dimension. Especially for investment financial products such as securities, funds, wealth management, bonds, etc., investor psychology determines how customers choose financial services. Stable investors prefer bonds for fixed income products, and radical investors are more willing to try trading financial products such as stocks and futures. Sometimes investors’ psychology is called financial personality, and it is a significant measure to classify the customer’s financial character and financial product correlation.