ASZZX-APPARC韩国银行咨询报告(英文版)(doc 26页)

ASZZX-APPARC韩国银行咨询报告(英文版)内容提要：
The focus of the new application architecture is to enhance market-driven processes--processes that improve Bank X’s position in the Korean banking environment by providing better customer service, products, increased market coverage, and competitive prices.  Many of the new applications focus on improving management information to help Bank X manage a larger bank and to more precisely evaluate customer needs.  Highlights of the new application architecture include:

•New  sales and marketing systems
Needs analysis (customer, product, and market)
Campaign planning (new channels, sales, promotion activities)
Branch opening support (global information system)
Sales support (sales schedule, customer consulting activities)

•Enhanced customer  management systems
Corporate data information management (financial, personnel, news)
Retail customer information management (name, address, family relationships)

•Advanced credit systems
Corporate credit analysis
Customer credit scoring

•New  management information systems
Business unit profitability (customer, product, branch)
Regulatory and Compliance
Treasury management
Market risk
Product management

Potential risks
To achieve the application architecture, Bank X will need to carefully coordinate technical infrastructure improvement, database development, and EDP resources.  This requires managing the following risks:

•Customer applications  (e.g., ATM, credit card, phone banking, electronic banking) are not competitive with other Korean banks or non-Korean banks (e.g., Citibank)

..............................