"Coffee + Bank" is the Innovation of Banking Service

Opening bank outlets into cafes, or taking the initiative to introduce cafes in newly opened service outlets, is gradually becoming a new marketing model for some banks to build characteristic brands and provide leisure services. In recent years, Pacific [3.10% Capital Research report] Coffee, in cooperation with Zhuhai China Resources Bank, has opened three coffee banks, including Zhuhai Zhubin Garden China Resources Bank Store. China Merchants Bank [2.68% Capital Research report] also established a new business model of "Coffee Bank" with Korean chain brand "Coffee accompany you" a few days ago, which is about to open.

Under the "Coffee + Bank" model, customers can move to the "coffee service area" on the other side while handling related business, or enjoy freshly brewed coffee, sit and rest, or talk about investment plans with private wealth advisors. It can be said to complement each other. With the increasingly fierce competition in the industry, many banks begin to play new tricks. In addition to coffee banks, they also set up bank "flagship stores", bank "smart halls" and so on. In the flagship store, customers can also do business well while drinking coffee and eating cake. this service is more and more recognized by people.

As one of the directions of bank reform, the development of physical network to electronic, intelligent and leisure can not only solve the contradiction between cost and expansion, but also adapt to customers' usage habits and enhance their own experience. The bank cooperates with the coffee shop because the bank has chosen the young target group who comes to drink coffee. These people are young, knowledgeable and have good spending power, and are the potential target customers of banks. At the same time, "coffee + bank" is also the inevitable result of the bank's market-oriented choice. Whether it is "coffee + bank", or flagship stores, smart halls, all reflect the new trend that institutions attach importance to customer experience.

With the progress of economic development and changes in customer demand, banks are becoming more "fashionable". They are doing everything they can to get the "last kilometer". However, in order to achieve long-term development, the banking industry must improve the service level of its main business, which is fundamental.

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