VPBank cng b thng hiu mi

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(ANT) - Chiu qua 12-8, VPBank chnh thc cng b thng hiu v logo mi. Theo , ngn hng c tn gi c l Ngn hng TMCP cc doanh nghip ngoi quc doanh ny s c tn gi mi l Ngn hng TMCP Vit Nam thnh vng, gi tt l Ngn hng Vit Nam thnh vng, tn vit tt VPBank vn c gi nguyn. Cng vi tn gi mi, VPBank cng s dng h thng nhn din thng hiu mi vi thit k n gin da trn hnh nh cch iu ca bng hoa sen mu ang n.
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Theo ng Nguyn Hng - Tng gim c VPBank, l do dn n vic i tn ny l bi trong thi gian qua, tn gi Ngn hng ngoi quc doanh dn ti s ng nhn l ngn hng ch phc v cho i tng l cc doanh nghip ngoi quc doanh, ng thi cng cn phn no tm l thiu tin cy ca mt b phn khch hng vi khi nim ngoi quc doanh vn tn ti t thi bao cp.

Theo cc nh hng xy dng thng hiu ca ngnh Ngn hng phi t c mc tiu: Phi xc nh c gi tr ct li v nh v c thng hiu ca ngn hng Vit Nam trn th trng quc t, v tng ngn hng phi nh v c thng hiu c nht ca mnh trn th trng trong nc v quc t. Nht th ha c hnh nh ca ngn hng bng h thng nhn din nht nh, m h thng nhn din th hin nhng gi tr ct li ca ngn hng. Nht th ha ch v hnh ng ca cn b v lnh o ngn hng trong vic th hin ra bn ngoi hnh nh ca ngn hng. To c s nn tng qun tr c hiu qu thng hiu ca ngn hng ti tt c cc cp trong h thng ngn hng.

t c mc tiu ny, Chin lc kinh doanh ca ngn hng phi c mi quan h qua li mt thit vi nh hng xy dng thng hiu t c mc tiu cao nht lu di, v vy, trong chin lc pht trin kinh doanh ca mnh cc ngn hng phi m bo: (i) Li nhun ngn hng tng trng vng chc: Mc tiu cui cng trong hot ng ca ngn hng thng mi l li nhun. Theo , ngn hng phi s dng tng th cc bin php gia tng v quy m tin gi, s lng khch hng gi tin, s lng ti khon c nhn v s d ti khon tng thm, s lng th tn dng, th thanh ton pht hnh tng ln, doanh s thanh ton th tng ln, doanh s thanh ton v chuyn tin tng, cc quy m nghi p v khc cng khng ngng tng ln, nhm ti a ho li nhun. y l tiu ch quan trng to s tin cy ca khch hng; Khch hng ngy cng tng mt cch n nh: Cc khch hng truyn thng, khch hng c duy tr u n cc giao dch vi ngn hng. ng thi lng khch hng mi, khch hng tim nng ca ngn hng cng khng ngng gia tng. Chnh s hi lng, s tha mn v tin ch, cht lng, thi giao dch, tnh an ton ca cc sn phm, dch v m ngn hng cung ng cho khch hng to nn mi quan h hiu qu vi khch hng;

(ii)

(iii)

Cc sn phm, dch v mi ca ngn hng c chp nhn nhanh chng trn trn th trng: Cc sn phm v dch v mi ln u c cung cp ra th trng s i km vi cc hot ng Marketing. Theo , khch hng, th trng nhanh chng chp nhn cc sn phm dch v vi mc khng ngng gia tng v m rng. Nh vy n cng th hin gi tr ca thng hiu ngn hng.

Bn cnh , a ra cc nh hng xy dng thng hiu c hiu qu, cc ngn hng cn: Tin hnh kho st khch hng v kho st ni b nh v thng hiu hin ti trn th trng l ni dung ti cn thit trc khi tin hnh bt k mt hnh ng no lin quan n chin lc pht trin thng hiu. iu ny nh hng trc tip n nh hng pht trin thng hiu sau ny v cng gip ch cho chin lc pht trin kinh doanh ca doanh nghip; So snh nhm khch hng ca ngn hng vi th trng ca ngn hng v kh nng cnh tranh ca ngn hng la chn v pht trin thng hiu mt cch thch hp nht vi mong i ca khch hng, p ng c nhng k vng ca khch hng th mi c c hi tn ti. ng thi xy dng thng hiu phi c tnh khc bit, c ngha l phi to ra s khc bit gia thng hiu ca mt ngn hng vi cc ngn hng khc c cng i tng khch hng. Trong th trng c nhiu nh cung cp dch v ngn hng, khch hng ch chn thng hiu c th em li cc gi tr khc vi cc ngn hng khc ph hp vi nhu cu ca mnh; Pht trin v m rng nng lc vn c ca ngn hng to lng tin vi khch hng v chim u th trn th trng nh pht huy th mnh ca mnh. Ch nhng ngn hng to dng c nim tin vi khch hng mi duy tr c s gn b, lng trung thnh ca khch hng i vi thng hiu ca mnh. V ch c lng trung thnh ca khch hng mi gip ngn hng ng vng trong mi trng cnh tranh gay gt. Xy dng S tay thng hiu, trong xc nh r cc yu t ct li ca thng hiu; thit k h thng c bn cc du hiu nhn din thng hiu, biu tng thng hiu, cu trc thng hiu...; xy dng cc vn bn quy phm cho vic qun l thng hiu ni b; xy dng cc hng dn c bn cho cng vic qun l v pht trin thng hiu... Ngoi ra, cc NHTM cn tin hnh nh gi thng hiu. y l cng vic v cng quan trng khng nh thm gi tr ct li ca thng hiu.

Tm li, vic a ra nh hng xy dng thng hiu trong lnh vc ngn hng hin nay l rt cn thit, ngnh Ngn hng Vit Nam ch c th c thng hiu uy tn trn trng quc t khi nhiu ngn hng trong h thng ngn hng to dng c thng hiu tt cho mnh. c c thng hiu tt, th cc ngn hng phi xc nh c nhng yu t c bn to nn gi tr ct li ca ngn hng m biu hin ca n l s tin cy ca khch hng i vi cc hot ng ca ngn hng. Ngn hng phi to cho khch hng ca mnh mt hnh nh tt v ngn hng, khng ch qua cc tiu ch v li nhun, qui m hot ng, s lng khch hng tng n nh, cc sn phm dch v c c x hi nhanh chng chp nhn m cn phi: (i) gn gi vi khch hng ca mnh, qua hnh vi ng x, ng phc nhn vin, phong cch giao tip.; (ii) ti a ha gi tr c nhn ca khch hng, qua vic qun l thng tin khch hng, thm hi khch hng nhn ngy sinh nht hoc ngy l ln ca dn tc; (iii) to ra nhng tin ch sn phm dch v tt nht, c o nht, sn phm ca ngn hng c th em li cho khch hng mt gi tr nht nh; (iv) gim chi ph v tin bc, thi gian, nng lng v tm l cho khch hng khi tham gia thc hin cc dch v ngn hng.

Xy dng thng hiu bn vng cho VietinBank

K tha nhng tinh hoa ca thng hiu IncomBank, thng hiu VietinBank vi cu nh v Nng gi tr cuc sng th hin bn sc v tinh thn ring ca cc dch v v sn phm m VietinBank cung cp, to nn s khc bit so vi cc NH khc trn th trng nhng vn gn gi v thn thin vi mi i tng khch hng. Vi thng ip "Tin cy, Hiu qu, Hin i", VietinBank khng nh ba nt tnh cch ca thng hiu. l hm ch s nht qun, vng vng v ti chnh; tin cy cao, ng thi bao hm tnh hiu qu trong hot ng ngn hng nhm cung cp nhng tin ch ti u cho khch hng vi mc tiu lun hng v pha trc.

C thng hiu kh, nhng gi gn v pht trin thnh thng hiu mnh v bn vng cn kh khn hn. Khng ging nh cc ngnh sn xut hng ho, cng mt thng hiu nhng c nhng nhn hng khc nhau (nh: P&G vi cc nhn hiu Tide, Rejoice, Pantene,...; Unilever vi cc nhn hiu Omo, Sunsilk, Lux, Clear, Dove...), nu c mt nhn hiu tht bi cng khng nh hng nhiu n thng hiu chung, cc sn phm ca ngnh NH mang cng mt thng hiu duy nht. D l nghip v cho vay, huy ng, thanh ton quc t, pht hnh th ATM,... tt c u cng mang mt thng hiu - VietinBank. Do , vic xy dng v pht trin bn vng cho thng hiu VietinBank phi nht qun v ng b cho tt c cc sn phm cung cp. lm c iu , chng ta phi hiu r c nhng li th v nhng hn ch t c th pht trin thng hiu VietinBank khng ch ln mnh trong nc m cn vn ra th trng quc t, thnh mt tp on ti chnh a s hu, kinh doanh a lnh vc, pht trin bn vng, gi v tr hng u ti Vit Nam v hi nhp tch cc vi quc t, tr thnh mt NH thng mi ln ti chu

Nhng li th ca Ngn Hng Cng Thng Vit Nam

Nu nh NH Ngoi thng c li th cnh tranh l ngun vn ngoi t di do v dch v thanh ton quc t, NH u t v Pht trin c li th trong vic thm nh v cho vay cc d n u t, NH Nng nghip & Pht trin nng thn c li th trong cho vay v pht trin lnh vc chuyn v nng nghip... th li th ca NH Cng Thng l g?

VietinBank c hn mt th trng ni a truyn thng. Trong nhng nm qua, th phn tin gi ca VietinBank chim 15% - 20% trong ton ngnh, l NH cho vay cc ngn hng thng mi

(NHTM) khc trn th trng lin NH.

B dy truyn thng 20 nm xy dng v pht trin; mng li hot ng phn b rng khp trn 56/63 tnh, thnh ph trong c nc vi 3 S giao dch, 139 chi nhnh v trn 700 phng/im giao dch, qu tit kim; quan h i l vi trn 800 ngn hng ti 80 quc gia v vng lnh th trn ton th gii, Ngoi ra, VietinBank cn c nh gi l NHTM hng u trong phc v cc doanh nghip va v nh, chnh l mt s li th cnh tranh ca NH Cng Thng Vit Nam.

Nm 2007 c coi l mt nm kinh doanh tt ca VietinBank: qui m ti sn tng trn 24% (t 175.000 t ng cui nm 2007), chim 10% tng ti sn ton ngnh; tng ngun vn tng 18,4% tng cho vay v u t tng 22,6%; c nhiu d n trng im nh thu in, du kh, khai thc khong sn... c VietinBank ti tr; cht lng tn dng u t ngy cng c ci thin; ti chnh c lnh mnh ho. Li nhun trc thu t 1.450 t ng/790 t ng k hoch, tng 83,5% so vi nm 2006; trch d phng ri ro 2.428 t ng/2.100 t ng k hoch, sau khi x l ri ro, ngun d phng cn kt d 1.800 t ng; ring thu t dch v t 421 t ng, tng 20% so vi nm 2006; thu n ngoi bng t 1.488 t ng.

Lnh mnh ho ti chnh l vn u tin VietinBank quan tm v trin khai t nm 2002. n nay VietinBank c cu li ton b hot ng ti chnh, ch trng x l n xu. Kt qu l nm 2007, n xu ca VietinBank mc thp nht trong ton ngnh NH, 1,02% (thp hn so vi quy nh 3% ca NH Nh nc). Lin tip t nm 2004 n nay, VietinBank vinh d c ghi nhn l mt trong 10 thng hiu mnh nht Vit Nam.

xut mt s gii php xy dng thng hiu bn vng cho VietinBank

* Nng cao nng lc ti chnh tng kh nng cnh tranh vi cc NH trong v ngoi nc bng cch thc y nhanh qu trnh c phn ho NH.

* Xy dng chin lc cnh tranh c hiu qu

l khng c s cnh tranh gia cc chi nhnh trong cng h thng NHCT v khng th cnh tranh vi cc NH khc bng sc mnh ca mt chi nhnh m bng sc mnh uy tn ca h thng VietinBank.

* Nng cao cht lng nghip v tn dng

Tn dng vn l nghip v to li th cnh tranh v mang li nhiu li nhun nht trong thi im hin ti. Tuy nhin, n cng l nghip v c ri ro cao, do cn phi nng cao cht lng nhm m bo an ton trong kinh doanh.

* a dng ho sn phm cung cp

Trc s tham gia th trng ngy cng su rng ca cc NH nc ngoi, cc NH trong nc s i mt vi nguy c mt dn li th v mng li chi nhnh, am hiu th trng, khch hng ni a truyn thng. Do cn a dng ho sn phm, nng cao cht lng dch v, a dng ho khch hng cho vay v tin gi. Nng cao trnh v cung cp dch v nh: kinh doanh ngoi hi, thanh ton quc t, tn dng thng mi quc t, dch v NH in t, qun l qu, mi gii tin t, v.v... Dch v NH l loi hnh dch v c tnh c th, i hi uy tn cao. V vy, VietinBank cn xy dng cho mnh mt hnh nh p, mt thng hiu mnh, tin cy.

* o to, pht trin v gi gn ngun nhn lc cp cao

H thng NH pht trin ko theo s chy mu cht xm sang cc NH mi. V th, xy dng thng hiu bn vng v tn ti theo nm thng, trc ht, phi l thng hiu bn vng trong lng mi nhn vin. a ra gii php v thc thi cc gii php pht trin l do tr tu ca con ngi. V vy, tip tc to ra mt mi trng lm vic tt m o i ng nhn vin lm vic tn tm, nng ng, sng to. Lm vic trong mt mi trng m ngi lnh o lun coi trng gi tr con ngi th chc chn ngi lao ng s coi NH l nh v s cng hin ht mnh vi thi v trch nhim cao nht.

* Xy dng vn ho kinh doanh vi bn sc ring

Khi m gi c v cht lng dch v cung cp gia cc NH l ngang nhau th cung cch v thi phc v mi chnh l yu t quyt nh chnh. Mi cn b cng nhn vin chnh phi l mt i s ca thng hiu VietinBank.

Thng hiu NH chnh l uy tn ca NH trn th trng, l khi ti sn v hnh nhng c gi tr nht trong hot ng NH. Thng hiu NH khng th c to dng trong mt hai ngy hay chuyn nhng n thun nh ti sn hu hnh. V trong mi trng hp, nh gi thng hiu phi c ci nhn v m, c tnh chin lc mi c th nh gi ht gi tr m thng hiu em li cho ngn hng. Chnh v vy vic xy dng thng hiu bn vng cho VietinBank l vn cn

thit trong qu trnh hi nhp hin nay v mai sau./.

T ngi ta t ra mt cu hi l ti sao khch hng li chn ngn hng ny m khng chn ngn hng kia gi tin v t quan h giao dch? Cu tr li y l thng hiu s quyt nh s la chn. Mt thng hiu ngn hng tt l mt thng hiu c uy tn, c s tin cy ca nhm khch hng mc tiu.

Thc t chng minh rng thng hiu tt s l bo bi bt ly thn ca cc t chc hot ng trong lnh vc cung cp dch v ti chnh. c bit khi th trng ti chnh pht trin v cnh tranh khc lit nh hin nay th thng hiu s l nhn t mang tnh quyt nh trong vic la chn ngn hng gn b i vi bt k mt c nhn, t chc no trong nn kinh t. Nh vy, c thng hiu tt, khng phi ch ngy mt ngy hai t c m thng hiu ch c hnh thnh sau mt thi gian tri nghim nht nh v tt c nhng g (cht lng ca hng ha, dch v, tim lc ti chnh,) m mt ngn hng ha hn vi th trng.

H thng ngn hng Vit t sau qu trnh i mi n nay c nhng bc pht trin mnh m. Hin c 5 ngn hng thng mi (NHTM) nh nc, 1 Ngn hng chnh sch x hi (NHCS XH), 06 ngn hng lin doanh, 38 NHTM c phn, 47 chi nhnh ngn hng nc ngoi. S pht trin ny cn th hin qua tc tng trng ca tng ti sn, d n, huy ng vn ca h thng ngn hng. C cu thu nhp cng chuyn bin theo hng tch cc, t l thu nhp phi li sut trong tng thu nhp c xu hng tng ln. Sn phm v dch v ngn hng hin i khng ngng pht trin a dng v phong ph. Trc y, khong mi nm, sn phm dch v ch yu ca ngn hng ch n thun l tn dng th ngy pht trin thnh hng trm loi sn phm, dch v khc nhau. Bn cnh vic a dng ha cc loi hnh sn phm truyn thng nh vay vn tr gp mua t, dch v mua nh tr gp, cng xut hin cc sn phm dch v hin i khc nh lu k chng khon, thanh ton b tr chng khon, ngn hng gim st, nghip v bao thanh ton, nghip v hon i v quyn chn, qun l vn, dch v ngn hng Internet Banking, Mobile Banking, th tn dng, Khng ch quan tm n vic pht trin cc sn phm v dch v ngn hng hin i m cc ngn hng cn ch trng n vic tng

cng cc tin ch ca sn phm, dch v ngn hng cung cp.

Nhng bc pht trin ca h thng ngn hng trong thi gian qua dn dn to lp c nhng nhn t mang tnh gi tr ct li ca thng hiu cho h thng ngn hng Vit . Bn cnh , mt s ngn hng quan tm n vic to dng thng hiu cho mnh, nh thay i logo, thit lp tm nhn, s mnh, mc tiu, thit lp h thng nhn din thng hiu thng nht cho ngn hng v cc chi nhnh, xy dng quy ch qun l thng hiu, thit lp b phn ha phc v mc ch truyn thng v ni dung nhn din thng hiu.

Tuy nhin, chng mc no , cho n nay, h thng ngn hng Vit Nam cha thc s c mt thng hiu tt, cha mt ngn hng no to c s tin cy cao cho khch hng. Nhiu v tai ting trong lnh vc ngn hng thi gian qua c tc ng bt li n thng hiu ca ngnh Ngn hng. C th c mt vi ngn hng c nhng sn phm dch v c x hi bit n, nh thanh ton quc t, pht hnh th ca NHTM c phn Ngoi thng Vit Nam, Ngn hng ACB, Sacombank, ng , Eximbank...; cc sn phm bn l ca Techcombank; Sacombank; i vi vng nng thn, vng su, vng xa cc hot ng huy ng v vay vn ngi dn bit n l Ngn hng Nng nghip v Pht trin Nng thn, ngn hng Chnh sch x hi... Nhng nhn chung, thng hiu ca ngnh Ngn hng cn m nht so vi th gii.

C th ni rng, thng hiu c vai tr quyt nh n s tn ti v pht trin ca cc ngn hng, c bit trong thi k suy thoi kinh t ton cu. S v hng lot ca cc thng hiu ngn hng ln ti M trong thi gian va qua rt ra mt bi hc ln cho cc ngn hng mun tr vng c th song hnh cng nn kinh t vt qua im un ca chu k suy thoi l cc ngn hng trong h thng ngn hng Vit Nam cn xy dng thng hiu ca ngn hng mnh phi c im khc bit, nhn din cao, c quc t ha v truyn ti c nhng gi tr c o va ng lc va xoy thng vo c mun ca khch hng v y cng l nh hng quan trng trong vic xy dng thng hiu ca ngnh Ngn hng Vit Nam trong thi gian ti.

Theo cc nh hng xy dng thng hiu ca ngnh Ngn hng phi t c mc tiu:

Phi xc nh c gi tr ct li v nh v c thng hiu ca ngn hng Vit Nam trn th trng quc t, v tng ngn hng phi nh v c thng hiu c nht ca mnh trn th trng trong nc v quc t.

Nht th ha c hnh nh ca ngn hng bng h thng nhn din nht nh, m h thng nhn din th hin nhng gi tr ct li ca ngn hng.

- Nht th ha ch v hnh ng ca cn b v lnh o ngn hng trong vic th hin ra bn ngoi hnh nh ca ngn hng.

- To c s nn tng qun tr c hiu qu thng hiu ca ngn hng ti tt c cc cp trong h thng ngn hng.

t c mc tiu ny, Chin lc kinh doanh ca ngn hng phi c mi quan h qua li mt thit vi nh hng xy dng thng hiu t c mc tiu cao nht lu di, v vy, trong chin lc pht trin kinh doanh ca mnh cc ngn hng phi m bo:

(i) Li nhun ngn hng tng trng vng chc: Mc tiu cui cng trong hot ng ca ngn hng thng mi l li nhun. Theo , ngn hng phi s dng tng th cc bin php gia tng v quy m tin gi, s lng khch hng gi tin, s lng ti khon c nhn v s d ti khon tng thm, s lng th tn dng, th thanh ton pht hnh tng ln, doanh s thanh ton th tng ln, doanh s thanh ton v chuyn tin tng, cc quy m nghip v khc cng khng ngng tng ln, nhm ti a ho li nhun. y l tiu ch quan trng to s tin cy ca khch hng;

(ii) Khch hng ngy cng tng mt cch n nh: Cc khch hng truyn thng, khch hng c duy tr u n cc giao dch vi ngn hng. ng thi lng khch hng mi, khch hng tim nng ca ngn hng cng khng ngng gia tng. Chnh s hi lng, s tha mn v tin ch, cht lng, thi giao dch, tnh an ton ca cc sn phm, dch v m ngn hng cung ng cho khch hng to nn mi quan h hiu qu vi khch hng;

(iii) Cc sn phm, dch v mi ca ngn hng c chp nhn nhanh chng trn trn th trng: Cc sn phm v dch v mi ln u c cung cp ra th trng s i km vi cc hot ng Marketing. Theo , khch hng, th trng nhanh chng chp nhn cc sn phm dch v vi mc khng ngng gia tng v m rng. Nh vy n cng th hin gi tr ca thng hiu ngn hng.

Bn cnh , a ra cc nh hng xy dng thng hiu c hiu qu, cc ngn hng cn:

Tin hnh kho st khch hng v kho st ni b nh v thng hiu hin ti trn th trng l ni dung ti cn thit trc khi tin hnh bt k mt hnh ng no lin quan n chin lc pht trin thng hiu. iu ny nh hng trc tip n nh hng pht trin thng hiu sau ny v cng gip ch cho chin lc pht trin kinh doanh ca doanh nghip;

So snh nhm khch hng ca ngn hng vi th trng ca ngn hng v kh nng cnh tranh ca ngn hng la chn v pht trin thng hiu mt cch thch hp nht vi mong i ca khch hng, p ng c nhng k vng ca khch hng th mi c c hi tn ti. ng thi xy dng thng hiu phi c tnh khc bit, c ngha l phi to ra s khc bit gia thng hiu ca mt ngn hng vi cc ngn hng khc c cng i tng khch hng. Trong th trng c nhiu nh cung cp dch v ngn hng, khch hng ch chn thng hiu c th em li cc gi tr khc vi cc ngn hng khc ph hp vi nhu cu ca mnh;

Pht trin v m rng nng lc vn c ca ngn hng to lng tin vi khch hng v chim u th trn th trng nh pht huy th mnh ca mnh. Ch nhng ngn hng to dng c nim tin vi khch hng mi duy tr c s gn b, lng trung thnh ca khch hng i vi thng hiu ca mnh. V ch c lng trung thnh ca khch hng mi gip ngn hng ng vng trong mi trng cnh tranh gay gt.

Xy dng S tay thng hiu, trong xc nh r cc yu t ct li ca thng hiu; thit k h thng c bn cc du hiu nhn din thng hiu, biu tng thng hiu, cu trc thng hiu...; xy dng cc vn bn quy phm cho vic qun l thng hiu ni b; xy dng cc hng dn c bn cho

cng vic qun l v pht trin thng hiu...

Ngoi ra, cc NHTM cn tin hnh nh gi thng hiu. y l cng vic v cng quan trng khng nh thm gi tr ct li ca thng hiu.

Tm li, vic a ra nh hng xy dng thng hiu trong lnh vc ngn hng hin nay l rt cn thit, ngnh Ngn hng Vit Nam ch c th c thng hiu uy tn trn trng quc t khi nhiu ngn hng trong h thng ngn hng to dng c thng hiu tt cho mnh. c c thng hiu tt, th cc ngn hng phi xc nh c nhng yu t c bn to nn gi tr ct li ca ngn hng m biu hin ca n l s tin cy ca khch hng i vi cc hot ng ca ngn hng. Ngn hng phi to cho khch hng ca mnh mt hnh nh tt v ngn hng, khng ch qua cc tiu ch v li nhun, qui m hot ng, s lng khch hng tng n nh, cc sn phm dch v c c x hi nhanh chng chp nhn m cn phi: (i) gn gi vi khch hng ca mnh, qua hnh vi ng x, ng phc nhn vin, phong cch giao tip.; (ii) ti a ha gi tr c nhn ca khch hng, qua vic qun l thng tin khch hng, thm hi khch hng nhn ngy sinh nht hoc ngy l ln ca dn tc; (iii) to ra nhng tin ch sn phm dch v tt nht, c o nht, sn phm ca ngn hng c th em li cho khch hng mt gi tr nht nh; (iv) gim chi ph v tin bc, thi gian, nng lng v tm l cho khch hng khi tham gia thc hin cc dch v ngn hng.