Efficient branch concepts increasingly important – Wincor Nixdorf an experienced partner for banks
高效的分支银行概念越来越重要——德利多富公司，经验丰富的银行合作伙伴
 
It is not just the location that makes a bank branch unique; more and more, branch concepts are being thoroughly individualized. Wincor Nixdorf has plenty of experience when it comes to making branches efficient and is underscoring this at Wincor World with two completely different branch types.
使银行分支行显得独特的不仅仅是其所处的位置;越来越多的分支行理念被彻底赋予的个性化。德利多富公司在使分支行高效这一方面有丰富的经验，并在德利多富世界里用两个完全不同的分支行类型强调这一点。
 
Branches are and will remain the most significant sales channel for banks. They guarantee direct contact with customers, something that is becoming increasingly important. Several studies have shown that over 80 percent of banks believe they can only focus properly on customers and simultaneously boost efficiency by transforming their branch networks.
银行分支机构是并仍将是银行最重要的销售渠道。他们保证与客户直接接触,这一点正变得越来越重要。多项研究表明,超过80%的银行认为他们只能适当关注客户,同时通过转变他们的分支网络来提高效率。
 
There is no such thing as a standard bank branch anymore. What is needed are branches that fit in with their location and meet the various requirements of banks and their clients in completely different ways. “That’s why more and more financial institutions throughout the world are reorganizing their branch channel to support new sales and service approaches and enhance efficiency,” says Jordi Perez, Head of Branch Transformation at Wincor Nixdorf, adding: “The first step is always an in-depth analysis of branch strategy.”
没有所谓的标准分支银行了。所需要的分支行,是用各种完全不同的方式利用他们的位置和满足银行的各种需求。主管德利多富分支转换的乔迪·佩雷斯说，“这就是为什么越来越多的世界各地的金融机构重组其分支通道来支持新的销售和服务方法并提高效率,”并补充道:“第一步总是深入分析分支行策略。”
 
Branch concepts and the mix of branch types vary according to the bank’s focus, the location of its branches and the specific needs of its clients. They range from flagship, full-service and express branches to mini-branches based entirely on self-service.
分支行概念和混合分支行类型根据银行关注的侧重点不同而不尽相同，例如其分支机构的位置和其客户的特定需求。因而产生从旗舰型,全方位服务型，快速型到完全基于自助服务型的分支机构。
 
“A detailed understanding of the right mix of branch types is the cornerstone of an efficient branch network and an optimal branch concept. Only on that basis can the right decisions be made about the various customer services and the necessary hardware and software technologies,” says Jordi Perez with conviction. “That’s the only way to achieve the best interplay between aesthetics and customer experience on the one hand and technology on the other hand.”
“详细了解分支机构的类型是有效的分支网络和最优分支概念的基础。只有在这个基础上才能对对各种客户服务和必要的硬件和软件技术做出正确决策,乔迪·佩雷斯令人信服的说道，“这是达到一方面客户体验与审美，另一方面技术之间最佳相互作用和影响的唯一的方法。”
 
With its many years of experience, Wincor Nixdorf views itself as an important partner to banks, from branch consulting and design to the implementation of the correct hardware and software, all the way to ensuring the highest possible availability of both the entire self-service network and the bank's central branch IT.
多年的行业经验,使德利多富公司视其本身作为银行重要的合作伙伴,从分支咨询和设计到应用正确的硬件和软件,一直到确保完全自助的网络技术和中央分行网络技术的最高实用性。
 
Wincor Nixdorf is presenting examples of two quite different branch concepts at Wincor World and is underscoring the different branch types with a bundle of services. The focus is on concepts to boost efficiency and optimize customer services. The company is using the latest over-the-counter and self-service technologies to demonstrate different solution scenarios that optimize processes in the front office and in the branch as a whole while also enhancing the customer experience.
德利多富公司大会上向世人展示了两个不同分支行概念,并通过一系列服务项目来强调分支类型的不同。重点是提高效率和优化客户服务的概念。公司使用最新的场外交易技术和自助服务技术来展示了不同情景的解决方案, 从而在整体上达到在前厅和分支机构优化服务流程, 同时提升客户体验。
 
The full-service branch at the fair shows a combination of new software solutions and state-of-the-art technologies to support new kinds of assisted self-service. Using a tablet, for example, a bank officer can recognize whether a customer at an automated teller machine needs help and can execute the transaction remotely or directly at the ATM together with the customer. If a customer wants to withdraw cash from his or her account, for instance, the employee can authorize this transaction. The customer receives the desired amount and the bank officer can take the opportunity to enter into a discussion.
提供全面服务的分支行在展会上展示了一个结合新的软件和最先进的技术来支持新型辅助自助服务的解决方案。例如，通过使用平板电脑, 一个银行职员可以识别客户在使用自动柜员机时是否需要帮助,并能够远程执行交易或直接在自动柜员机上辅助客户使用。举例说，如果客户想从他或她的帐户提取现金，银行职员可以授权该事务。客户接收到所需的金额后，银行官员可以借机与客户进行交流。
 
Next door will be a mini-branch designed primarily to present self-service elements and their integration in the customer-bank relationship. In a self-service branch like this, a customer can communicate with a bank adviser by video to ask questions or get authorization for a certain transaction in a direct conversation. With its premium availability solutions and preventive maintenance, Wincor Nixdorf can reduce system downtimes in mini-branches to a minimum and keep recovery times especially short.
隔壁展厅呈现的是一个迷你分行，主要设计用来展示自助服务元素以及这些元素在客户银行关系中的集中表现。 在这样的自助服务分行,客户可以通过视频与银行理财顾交流并咨询问题或就得到某一事务的授权与其直接对话。德利多富公司通过其溢价可用性解决方案和预防维护手段，可以减少小型分行系统停机次数并缩短系统恢复时间。
 

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