试谈网上银行的前景(ppt 59页)

试谈网上银行的前景内容提要：
市場氣氛為甚麼會出現轉變?
Cost savings have proved to be difficult to realize
事實證明難以達到節省成本的目標
initial investment costs outweigh cost savings
初期投資成本超過所能節省的成本
need for customer support (to answer queries) may actually increase
對客戶支援的需求 (以應付客戶查詢) 可能會實際上增加
Revenue growth has been difficult to achieve
難以達到增加收入的目標
ability of banks to cross-sell products is unproven
銀行在網上交叉銷售產品的能力仍未經證實
margins may come under increased pressure from greater price transparency
價格透明度提高可能會令邊際利潤承受更大壓力
只在網上經營的虛擬銀行發展未如理想：
The performance of the  pure “internet only” virtual banks has been particularly disappointing
只在網上經營的虛擬銀行的表現實在令人失望
Customers seem to require the reassurance of a physical presence (e.g. in the form of branches) as well as internet access (i.e. “bricks and clicks”)
除了可以在網上接駁銀行服務外，客戶似乎還需要有實體辦事處 (如分行) 才覺得安心（即 「磚頭與滑鼠」兼備）。
 
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