May 23, 2007 at 17:26B2C banking community project, RFC
So, after dinner I’ve put it on, significant comments are expected :)
The following text is some general comments on the subject of building a near-bank B2C Internet project. The comments include:
- prerequisites
- implementation plan
- budget :)
- timelines :))
As far as I know, the quality of service in Kiev banks leaves much to be desired (for almost everyone, I personally had to spend about 50 minutes a couple of times in a certain department bank to fill out one piece of paper - you had to pay, the Internet was junk, I decided to pay off-line, and not online banking, as I always do). They do not have a full-time cashier looking for.
On the scale of the banking system as a whole - the press writes, it is already choking. For example, the last Correspondent - "retail swells, there are not enough people in banks." Those who are do not shine with banking erudition. The result is a general decline in the quality of service.
On the scale of everyday logic, banking retail is swelling,
skilled labor is not increasing, it is necessary to work on
loyalty in order to somehow compensate for the decline in the quality of
service and, possibly, to make a normal reserve for the future (in terms of loyalty).
The proposed scheme is as follows:
1. A certain place is formed where it is understandable and (fun, pleasant, entertaining,
interesting, professional) that is talked about relevant for people
things related to money: mortgage, consumer lending.
Outwardly, it looks like an association of people who want to know something about
money. The association itself is not necessary to register, but it depends on the size of the project.
2. For some short time - 5-6 months - this site has been developing
(people ask, experts answer, people share their experiences,
etc.). During this time, it is necessary to ensure that the topics covered
are useful, and so as not to create the impression that it all goes under
some kind of bank :) During this period, a system of criteria
encouraging people to contribute to the community - there are some “financial adequacy ratings” ... In general, I think it’s clear that a positive feedback system is being created so that adequate visitors develop the community.
3. After some time has passed, some niche products are slowly and very carefully introduced into this community. Whose? The bank (or banks) under which all this actually goes.
Those. this is a kind of pocket banking site where banks get a
loyal audience. Loyal because if people like the site (the information on it is the most important thing) - then everything that it will
offer, people will also like (by inertia).
Approximate budget for the first half year.
One-time costs:
- development of the site itself - a maximum of $ 2'000 (a-la Web 2.0)
- advertising on the Web - about $ 1'200 - purchase of banner displays, etc.
Operation, per month:
- technical (site hosting) - $ 10 :)
- personnel (experts, avatars - such as the first active
visitors) - $ 2,500 - they work remotely, at home, about 5 people ... The
perceived price - no idea :), for the project, which included:
- a site with traffic of about 1,500 per day;
- customized production process associated with this site
(experts and people involved in the content).
The most far-sighted ones may also want to - after all, having their own
normal tool is much cheaper than deleting a user’s advertisement.
In general - like this. As they say, RFC :)
The following text is some general comments on the subject of building a near-bank B2C Internet project. The comments include:
- prerequisites
- implementation plan
- budget :)
- timelines :))
As far as I know, the quality of service in Kiev banks leaves much to be desired (for almost everyone, I personally had to spend about 50 minutes a couple of times in a certain department bank to fill out one piece of paper - you had to pay, the Internet was junk, I decided to pay off-line, and not online banking, as I always do). They do not have a full-time cashier looking for.
On the scale of the banking system as a whole - the press writes, it is already choking. For example, the last Correspondent - "retail swells, there are not enough people in banks." Those who are do not shine with banking erudition. The result is a general decline in the quality of service.
On the scale of everyday logic, banking retail is swelling,
skilled labor is not increasing, it is necessary to work on
loyalty in order to somehow compensate for the decline in the quality of
service and, possibly, to make a normal reserve for the future (in terms of loyalty).
The proposed scheme is as follows:
1. A certain place is formed where it is understandable and (fun, pleasant, entertaining,
interesting, professional) that is talked about relevant for people
things related to money: mortgage, consumer lending.
Outwardly, it looks like an association of people who want to know something about
money. The association itself is not necessary to register, but it depends on the size of the project.
2. For some short time - 5-6 months - this site has been developing
(people ask, experts answer, people share their experiences,
etc.). During this time, it is necessary to ensure that the topics covered
are useful, and so as not to create the impression that it all goes under
some kind of bank :) During this period, a system of criteria
encouraging people to contribute to the community - there are some “financial adequacy ratings” ... In general, I think it’s clear that a positive feedback system is being created so that adequate visitors develop the community.
3. After some time has passed, some niche products are slowly and very carefully introduced into this community. Whose? The bank (or banks) under which all this actually goes.
Those. this is a kind of pocket banking site where banks get a
loyal audience. Loyal because if people like the site (the information on it is the most important thing) - then everything that it will
offer, people will also like (by inertia).
Approximate budget for the first half year.
One-time costs:
- development of the site itself - a maximum of $ 2'000 (a-la Web 2.0)
- advertising on the Web - about $ 1'200 - purchase of banner displays, etc.
Operation, per month:
- technical (site hosting) - $ 10 :)
- personnel (experts, avatars - such as the first active
visitors) - $ 2,500 - they work remotely, at home, about 5 people ... The
perceived price - no idea :), for the project, which included:
- a site with traffic of about 1,500 per day;
- customized production process associated with this site
(experts and people involved in the content).
The most far-sighted ones may also want to - after all, having their own
normal tool is much cheaper than deleting a user’s advertisement.
In general - like this. As they say, RFC :)