Banking: What Does The Future Look Like?

Mid-size banks have been undergoing a transformation in their industry since the year 2020. These banks will need to adapt to new technology in order to keep up with the latest changes as well as invent offerings that attract new customers and retain current bank members. With new bank marketing methods being used since the start of the pandemic, including digital adoption, banks cannot fall behind on the latest trends such as hyper-personalization when it comes to marketing to customers.  It is time to look ahead in order to answer the question, “What is the future of banking?” 

Thankfully, you don’t have to look too far ahead as the article below shares what is the future of banking as we move towards 2023. 

Generation Z Is Too Valuable To Ignore

Your bank needs to take the time to invest marketing dollars towards reaching Gen Z. Their future financial power and a proven willingness to spend should not be taken lightly. Gen Z is already showing they are ready to be involved in making financial decisions in order to create a more secure future. This generation has already experienced a recession and a pandemic which leads them to seek financial security.

If you want to get their attention and customer loyalty, address the issues that matter most to them which are  global and socioeconomic issues that impact their lives, and their uncertain financial future. Be sure and take the necessary steps to establish authentic messaging that will resonate with them. In addition, Gen Z requires new marketing tactics such as influencer marketing and in-person conversation opportunities that should be integrated with your strategy. 

The Metaverse Is Happening

The metaverse worlds are a virtual reality space that has the potential to generate trillions of dollars by 2030. Brands invested billions of dollars in this computer-generated environment in the first five months of this year. 

While your bank may question the potential of the metaverse, keep in mind the number of brands who have already invested in it based on potential technological advances. It is in your best interests to analyze its viability when it comes to your long-term goals.

Some of the reasons you should be thinking about the metaverse include:

  • Future Customers

Future generations will likely be the wealthiest, and most educated and tech-savvy generation that ever existed. They are a few years away from opening bank accounts.

  • Brand Image

Early adopters will be viewed as innovative, and ahead of the curve which are qualities people want in their banks.

  • Virtual Banking

Want to see your online/in-app customers sharing their digital faces in your virtual branch? Look for the return of personal customer interactions and relationships.

  • Financial Technology

Digital or fintech solutions are changing how transactions are performed in real life. Cashless transactions are increasing and they will form the basis of metaverse financial transactions.

Interactivity

The addition of helpful and interactive tools to your website will enhance the customer experience. Your current website design will be out of date before you know it but customer utility is always in style for websites. 

Interactive tools help customers understand your offerings. Some of the most popular and informative online tools include:

  • Credit card comparison tools
  • Financial calculators
  • Account comparison tables
  • Product recommendation pathways
  • Real-time loan rate tables

The Demand For Self-Service

Banks need to make sure their institution has the ability to service customers across all platforms. Customer convenience needs to be a priority and this includes access to your services and products as well as customer support information that is easily available across all channels.

Banks that invest in digital self-service have the ability to reduce high-cost/low-value transactions. In turn, this satisfies digital savvy customers, and reshapes the image of your branch in the eyes of consumers. When it comes to digital self-service banking, your institution should be designing processes and platforms such as:

  • An easy-to-find service portal inside the online banking platform. Make it content heavy and also use AI-driven search to understand the intent and nature of a search query.
  • Video banking that is part of ITMs (interactive teller machines), ATMs with advanced transaction capabilities, and Universal Banking Associates.
  • Extend your customer service hours and make it easy to contact customer support from mobile devices.
  • 24/7 availability of chatbots and live chat agents

Ready to transform the future of your banking institution? Our team is ready to help you get started today.

Contact Us Now for More Information

Phone: (816) 459-8404

Gina Danner

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