Innovative Filialkonzepte im Retail Banking
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Bachelorarbeit aus dem Jahr 2008 im Fachbereich BWL - Offline-Marketing und Online-Marketing, Note: 2,7, Hochschule Bremen, Sprache: Deutsch, Abstract: Man könnte glauben, dass die Bankfilialen im Internetzeitalter überflüssig geworden sind, die Kunden immer weniger Zeit haben und sie daher die Online-Abwicklung ihrer Bankgeschäfte von zu Hause oder von ihren Arbeitsplätzen aus bevorzugen. In der letzten Dekade ist nach der Statistik der Deutschen Bundesbank rund jede vierte Bankfiliale in Deutschland, bei manchen Banken, wie z.B. bei der Deutschen Bank, sogar jede zweite geschlossen worden. In den verbliebenen Zweigstellen wurde versucht, die Kunden im Servicebereich an die alternativen Vertriebswege, wie z.B. Selbstbedienung (SB), Telefon bzw. Internet, heranzuführen. Diese Vorgehensweise führte jedoch nicht zum erhofften Ergebnis. Stattdessen haben die Banken mit jeder geschlossenen Filiale an wichtiger Markenpräsenz und Vertriebskraft verloren. Und nur etwa jeder 10. Deutsche benutzt das Online-Banking als Hauptweg bei der Erledigung seiner Bankgeschäfte. Inzwischen wurde die Bedeutung der Filiale und der persönlichen Interaktion wieder erkannt und ist jetzt ein wesentlicher Bestandteil aktueller Bankstrategien. Heute stellen die Gestaltung und Umsetzung innovativer Filialkonzepte für etwa jedes dritte Bankinstitut in Deutschland ein wichtiges strategisches Handlungsfeld dar. Die Filiale ist somit zu einer zentralen Brücke sowohl zu den bestehenden als auch zu den potenziellen Kunden geworden . Es gibt unterschiedliche Strategien, aber bei allen gilt es die Kunden zu begeistern und sich von der Masse der Finanzinstitute positiv abzuheben. [...]
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