东明农商银行：数智引擎驱动 重塑金融服务新生态

Core Viewpoint - The article highlights the shift towards digitalization in the banking industry, emphasizing the need for banks, particularly rural commercial banks like Dongming Rural Commercial Bank, to adapt to the "Internet+" era by transforming their marketing strategies and enhancing employee capabilities [1] Group 1: Digital Transformation in Banking - The rise of the "Internet+" era has led to increased demand for convenience and mobility among bank customers, making digitalization a key trend in the banking sector [1] - Dongming Rural Commercial Bank is proactively seeking transformation in response to the digitalization trend, moving away from traditional marketing methods [1] Group 2: Traditional Marketing Challenges - The traditional marketing model of rural commercial banks, characterized by broad and unspecific outreach, has shown limitations in efficiency and success rates [1] - The "spray and pray" marketing approach, while initially beneficial, has resulted in low marketing effectiveness and has negatively impacted the motivation of frontline customer managers [1] Group 3: Strategic Initiatives - Dongming Rural Commercial Bank plans to enhance employee training to improve the digital processing capabilities of frontline staff [1] - The bank aims to leverage the familiarity of customer managers with local communities to provide targeted financial support to agriculture and rural areas, focusing on precision marketing and personalized services through the use of big data and artificial intelligence [1]