// . //  金融服务 // 零售与中小企业银行
 

我们的业务

奥纬咨询与全球领先的银行、信贷机构、支付公司和投资机构合作,积极把握零售与中小企业银行业务不断演变的数字化转型与监管改革并满足日益变化的客户需求。

在全球各地区,我们的团队致力于为客户创造实效,帮助客户应对当下和未来的最大挑战。我们秉承高度协作的精神,与客户机构密切合作,解决新挑战,共同设计和实施业务战略,帮助客户实现降低成本、增加收入、缓释风险等多样需求。

NEW BUSINESS CREATION
We help banks accelerate in a new era of growth and innovation through advanced data and analytics, new ways of working, and a modular platform of digital, cloud-native technologies. Through digital neo-banks or Greenfield digital bank designs, business can blend a wealth of resources, funding, and data with greater speed, agility and innovation.
STRATEGIC BUSINESS TRANSFORMATION
We help transform organizations from “front” to “back.” Our CUSTOMERFirst capabilities can be rolled out and scaled across the entire organization, helping to build solutions that harness the power of data, and transform the financial and operating model to meet and adjust to changing customer needs.
PAYMENTS
We drive impact for our clients in payments through our deep expertise working with banks, merchants, networks, fintechs, processors, and investors. We help our clients to define and implement competitively differentiated payments strategies and digital transformation.
DEPOSITS
We help banks approach customer segments with more tailored pricing strategies to significantly improve their deposit value management and to capture large growth opportunities. Our solutions leverage advanced analytics and machine learning to optimize growth, margin, and liquidity value. This includes reshaping branch services, designing pricing products for checking and savings accounts, as well as developing sales strategies and building strong customer relationships.
MORTGAGES
We help our clients to build effective and strategic mortgage offerings to stay competitive with the ongoing pace of change. Our team is comprised of mortgage specialists and we offer a range of broad capabilities, including developing models for efficient mortgage servicing; designing analytics for customer retention and recapture; and developing growth strategies and mortgage partnerships.
SMALL BUSINESS
We help our banking and fintech clients to pursue high-value relationships with small businesses, use the best elements of fintech technology, and design client-centric product offerings that are priced for value. Our services include helping banking clients to mitigate risk and promote fairness in lending programs such as the Paycheck Protection Program (PPP) and the Main Street Lending Program.

新业务创造

在增长创新的新时代,我们采用先进的数据分析方法、新的工作方式和数字化云原生技术的模块化平台,帮助中小企业以更快的速度、更高的敏捷度和创新水平加快发展步伐。

战略性业务转型

我们帮助零售与中小企业银行从“前台”转变为“后台”,将“客户第一”(CUSTOMERFirst)能力在整个组织推广扩展,构建解决方案以充分发挥数据资源,推动财务和运营模式转型,满足不断变化的个人客户需求。

支付

我们与银行、零售商户、网络、金融科技公司、支付服务商、投资者等多方建立深厚合作,帮助客户设计和实施具有竞争力的差异化支付策略和数字化转型方案,为客户在支付领域创造实效。

存款

我们帮助银行采用高度客制化的定价策略接触细分客户群,完善银行存款价值管理并抓住巨大的增长机会。我们运用高级数据分析和机器学习,提供重塑分支网点服务、设计支票账户和储蓄账户定价产品、制定销售策略和培育客户关系等一系列解决方案,帮助客户实现业务增长、毛利润和流动性价值优化。

按揭贷款

我们帮助客户开发有效的战略性按揭贷款产品组合,在持续变化的环境中保持竞争力。我们的按揭贷款咨询专家团队提供全方位的咨询服务,包括开发高效的按揭贷款服务模式,运用数据分析实现客户留存和重新捕捉,制定增长战略,培养按揭业务合作伙伴关系。

中小企业

我们帮助银行和金融科技客户与中小企业建立高价值关系,运用金融科技最佳要素,设计以客户为中心的基于价值定价的产品组合。我们的服务包括帮助银行客户缓释风险和促进政府贷款计划的公平性、网点及人才转型、定价战略、成本优化、数字化转型等。

 

我们的观点

Would You Like Better Banking With That Latte?

How major brands can use banking for competitive advantage.

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A Comprehensive Analysis Of Bank-Fintech M&A

A Comprehensive Analysis Of Bank-Fintech M&A

From PayPal to Nubank, fintech unicorns rise. But banks hold their ground. Explore a decade of bank-fintech evolution and M&A in this comprehensive guide.

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Digital Trust

Digital Trust

How Banks Can Secure Our Digital Identity.

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Time To Engage

Digital assets for the banking c-suite.

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10 THEMES FOR EUROPEAN RETAIL BANKING IN 2023

Where Will Europe's Retail Banks Focus In 2023?

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The Rise Of Banking As A Service

Banking-as-a-service, or BaaS, is a great opportunity for existing banks, insurers, and wealth managers to reach a greater number of customers at a lower cost b

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A Credit Renaissance

As economies start to recover from the COVID-19 crisis and begin to deal with its aftermath, banks are facing a renewing storm of competitive, financial, and structural changes. Both globally and regionally, we think the industry has reached a tipping point which will dictate a new wave of credit-capability building that we call the “credit renaissance”.

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Digital Banking

The time is ripe, don’t spoil the opportunity.

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我们的团队