Proceedings of the 2023 International Conference on Economic Management，Financial Innovation and Public Service (EMFIPS 2023)

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Study on Digital Transformation of Small and Medium-Sized Rural Commercial Banks

Authors
Wenting Han1, *
1Yingcheng No. 1 High School, Changchun, 130502, China
*Corresponding author. Email: hwt050312@163.com
Corresponding Author
Wenting Han
Available Online 21 June 2024.
DOI
10.2991/978-94-6463-441-9_37How to use a DOI?
Keywords
Digital Transformation; Commercial Bank; Customer Hierarchical Classification; Market Segmentation; Cluster Analysis; The Long Tail business mode
Abstract

With the rapid development of the global technology economy and the increasingly personalized demand for capital and services, the old marketing model can no longer adapt to the changes of the times. How to successfully achieve “digital transformation”, change development strategies, and business management models, improve customer experience, and enhance the core competitiveness of the industry has become an important problem for small and medium-sized rural commercial banks to solve. This study achieves a breakthrough in one part of the digital transformation process based on the real-life characteristics of small and medium-sized agricultural and commercial banks. According to the customer characteristics, the collection of government big data and customer behavior and personality preference data, and further refinement of customer classification will be carried out. On this basis, carry out digital transformation while maintaining local advantages, and explore the value of long-tail customers to realize the transformation of rural commercial banks.

Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2023 International Conference on Economic Management，Financial Innovation and Public Service (EMFIPS 2023)
Series
Advances in Economics, Business and Management Research
Publication Date
21 June 2024
ISBN
10.2991/978-94-6463-441-9_37
ISSN
2352-5428
DOI
10.2991/978-94-6463-441-9_37How to use a DOI?
Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Wenting Han
PY  - 2024
DA  - 2024/06/21
TI  - Study on Digital Transformation of Small and Medium-Sized Rural Commercial Banks
BT  - Proceedings of the 2023 International Conference on Economic Management，Financial Innovation and Public Service (EMFIPS 2023)
PB  - Atlantis Press
SP  - 406
EP  - 423
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-441-9_37
DO  - 10.2991/978-94-6463-441-9_37
ID  - Han2024
ER  -