APPARC韓國銀行谘詢報告(英文版)(doc 26頁)

APPARC韓國銀行谘詢報告內容摘要：
Key features
　　The focus of the new application architecture is to enhance market-driven processes--processes that improve Bank X’s position in the Korean banking environment by providing better customer service, products, increased market coverage, and competitive prices. Many of the new applications focus on improving management information to help Bank X manage a larger bank and to more precisely evaluate customer needs. Highlights of the new application architecture include:
　　New sales and marketing systems
　　Needs analysis (customer, product, and market)
　　Campaign planning (new channels, sales, promotion activities)
　　Branch opening support (global information system)
　　Sales support (sales schedule, customer consulting activities)
　　Enhanced customer management systems
　　Corporate data information management (financial, personnel, news)
　　Retail customer information management (name, address, family relationships)
　　Advanced credit systems
　　Corporate credit analysis
　　Customer credit scoring
　　New management information systems
　　Business unit profitability (customer, product, branch)
　　Regulatory and Compliance
　　Treasury management
　　Market risk
　　Product management
Potential risks
　　To achieve the application architecture, Bank X will need to carefully coordinate technical infrastructure improvement, database development, and EDP resources. This requires managing the following risks:
　　Customer applications (e.g., ATM, credit card, phone banking, electronic banking) are not competitive with other Korean banks or non-Korean banks (e.g., Citibank)
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