Video banking is when customers talk to their bank from home, using their laptop, tablet or smartphone. It uses 实时视频技术 to connect a customer with a financial advisor or banker. 

ǞǞǞ video connection allows banks to offer clients personal financial advice - via a digital channel. And customers can get in touch with a human advisor remotely, when it best suits them.
 

视频银行是如何工作的？

通过视频银行，你的银行在客户和你的一个财务顾问或代理人之间建立了一个实时视频连接。

这就是视频银行的运作方式：

1. Customers schedule an appointment for video advice on your website
   OR advisors plan the video meeting themselves and send the client an invite

2. 你的客户会自动收到一封带有独特访问链接的电子邮件

3. 当视频会议开始的时候，客户点击访问链接

4. 视频通话开始，并在客户和顾问之间建立一个实时连接。

5. 视频通话结束后，你可以要求客户提供即时反馈。你可以衡量你的视频建议的质量，并跟踪其他指标的表现。
   
   

On top of scheduled video advice, you can also offer clients a click-to-video button to 立即开始视频通话 on your website, or escalate to a video call from a current chat or phone conversation.
 

视频银行的新定义

ǞǞǞ term video banking used to imply banking via video in a narrow, more physical sense, i.e. at a physical 分行. In the past, it stood for performing banking transactions through a tangible 出纳机 enabled with video, or via a physical bank branch enabled with technology for live video contact.

According to this traditional definition, the 视频银行技术 then established a live video connection between the customer - at a physical teller or bank branch - and an agent. The agent was connected from a centralized contact center or another bank branch.

Then in 2014 Indian bank IndusInd was the first in the world to introduce a new video banking service. With its 24/7 ‘Video Branch’ service, IndusInd Bank allowed its customers to have a face-to-face video call with a bank staff member digitally, using their desktop, tablet or smartphone. This new digital way of video banking allowed customers to interact with a bank agent or financial advisor from anywhere.  Using any device connected 到 internet, customers can start a video banking session from home, the office, or on the go.

为什么视频银行正在快速增长

Video banking is growing faster and faster - even since before the COVID-19 pandemic. 

这是因为银行正面临着努力提高效率的巨大压力：分行一直在关闭，工作流程正在被数字化。同时，客户开始表现出新的行为。客户互动可能会转移到网上，远离实体分行，但客户仍然在寻找个人联系。

To take their Digital Transformation strategy safely through this pandemic, banks are looking for a digital banking solution to solve both of these challenges.
 

幸运的是，数字分行不一定等于没有人情味的客户互动。银行正在寻找一种方法，将人情味融入他们的数字化转型，特别是在这个时代，整个分行的员工都需要远程工作，世界各地的消费者被要求比以往任何时候都更多地呆在家里。

视频银行是银行与客户进行安全和数字互动的解决方案，同时保持个性化。在许多视频银行的使用案例中，远程咨询为银行带来了价值，例如抵押贷款申请、财富管理或商业银行。

视频银行的好处

视频银行是通过数字channels 安全、远程地为客户提供个人金融建议的有效方式。今年，远程视频咨询已成为银行业的 "新常态"。

The default channel for interacting with customers has suddenly shifted from face-to-face in branch to 100% remote and digital. However, 80% of financial institutions were already offering video banking in 2018 or planning to offer it in the near future. That's because unlike face-to-face contact, video banking is safe, efficient and easy to use for both the customer and the advisor.


These are the benefits of video banking to you and your customers:

• Offer safe & personal financial advice from the comfort of your customers’ own home
  
  

• 为您的客户和顾问节省旅行时间
  
  

• Boost customer satisfaction: clients of Bird Video receive NPS scores of up to +78 for video meetings 
  
  

• Build stronger customer relationships: video banking allows you to personally inform customers on the financial impact of current affairs, like the Brexit or the corona crisis
   

• 将销售转化率提高到+33%，因为视频银行对话很短，但仍然显示出人情味
  
  

• Speed up the sales cycle. Video banking is clearer than a telephone conversation, because visual aids like screen sharing or co-browsing make it easier to explain complex topics

例如，在抵押和贷款方面给予快速和个人的建议。客户可以尽快通过决策过程，这使你具有竞争优势

• Boost efficiency & productivity: video meetings with banking clients are up to +30% shorter than physical meetings
   

• If customers have urgent or more complex question, you can give interactive, personal support - which improves first-time fixes & reduces ticket handling time

你如何使用视频银行？

At MessageBird Video, we use video banking in the more modern, 100% digital sense. This type of completely remote video advice is now being offered by many more banks. Some major European banks use our 视频通话技术, like Rabobank, SNS and Nationwide.