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

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

Author

Listed:
  • Wenting Han

    (Yingcheng No. 1 High School)

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.

Suggested Citation

  • Wenting Han, 2024. "Study on Digital Transformation of Small and Medium-Sized Rural Commercial Banks," Advances in Economics, Business and Management Research, in: Peng Dou & Keying Zhang (ed.), Proceedings of the 2023 International Conference on Economic Management, Financial Innovation and Public Service (EMFIPS 2023), pages 406-423, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-441-9_37
    DOI: 10.2991/978-94-6463-441-9_37
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