银行可运用互联网金融理念,提高服务的智能化水平以改善客户体验、加强数据管理以精确识别客户、加快网点升级和产品整合来拓展客户,开创客户营销新局面当前,越来越多的电商、网络运营商加入线上“类银行”的行列,互联网企业、第三方支付机构的创新优势明显,正逐渐打破传统银行的金融特权。对消费者来说,银行已经不再是办理传统存、贷、汇业务以及投资理财的唯一渠道。新的金融运作模式既相对独立又相互融合,从金字塔的底端开始 Banks can use the concept of Internet finance to improve the service level of intelligence to improve the customer experience, strengthen data management to accurately identify customers, speed up the network upgrade and product integration to expand customers and create a new situation for customer marketing At present, more and more electricity providers , Network operators to join the ranks of “bank”, Internet companies, third-party payment agencies have obvious innovative advantages, is gradually breaking the traditional bank’s financial privileges. For consumers, banks are no longer the sole channel for handling traditional deposit, credit and exchange business as well as investment and financial management. The new mode of financial operation is relatively independent and integrated, starting from the bottom of the pyramid