甲骨文：2020-2021年全球零售银行消费者趋势调查报告（英文版）（29页）.pdf

1、Global Retail Banking Consumer TrendsThe Changing Shape of Consumer Banking Relationships2020-2021 Global Retail Banking Consumer Survey and Report by Oracle Financial Services2 I Global Retail Banking Consumer Trends I The Changing Shape of Consumer Banking RelationshipsIntroductionPop-Tarts vs.Pea

2、nut Butter:What Should Banks Be Providing?Back in 2004,with Hurricane Frances steamrolling towards Florida,Walmarts data scientists were scrambling to create a forecast of their own:What last-minute grocery items would shoppers most likely buy before the hurricane hit?They had reams of consumer data

3、 on their side,as well as recency,as another hurricane had devastated a region close by just two weeks prior.From it all,Walmarts data geeks arrived at an astonishing shopping forecast:Strawberry Pop-Tarts.Local Walmarts quickly made room on their shelves for thousands more boxes of strawberry Pop-T

4、arts.And sure enough,they sold out within hours.It is one of the early tales of the power of personal consumer data and personalization.Wouldnt it be nice if it were that easy for consumer banks?Just figure out what people are in search of at the moment of needa credit card to finance those many B&Q

5、 runs,for exampleand offer it up on the digital equivalent of an aisle endcap.But are Pop-Tarts really the right thing to buy with a hurricane approaching?Ask disaster and survival experts and a more realistic answer would be peanut butter.But Walmartor the likes of Amazonisnt obligated to provide t

6、he best option,just the most popular one.Consumer banks,on the other hand,have a much different,more personal relationship with customers due to the intimacy of personal finances.Consumers trust their banks and trust that they wont be gouged or taken advantage.3 I Global Retail Banking Consumer Tren