Presentation on theme: "Agenda Introduction Business Objectives of Banks"— Presentation transcript:
1 An Integrated approach for Banking GIS Mohammad Jafrullah Infotech Enterprises Ltd. Hyderabad
2 Agenda Introduction Business Objectives of Banks How GIS can Help BanksMarket AnalysisBusiness Expansion PlanningBank Asset ManagementRetail banking servicesIntegrated Approach for GIS
3 Business Objectives of a Bank Expansion of Customer baseImprovement in Quality of the ServicesIncreased Customer SatisfactionConsistent Business GrowthIncrease in ProfitabilityRetaining the Customers
4 How GIS can Help Banks in meeting the Objectives Market AnalysisBusiness Expansion PlanningBank Asset ManagementRetail banking services
5 Market Analysis Customer Analysis Competitor Analysis where are our customers located?What are their characteristics (market segmentation, classification of residential areas)?which are the areas not served ?Analyze Market TrendsCompetitor Analysiswhere are our competitors located?Where are their customers ?Reason for existing performance ?Focused MarketingWhat are the products and the areas they are well received ?
6 Analyse Retail Market trends Analyse Retail market trends across various branch's – Does Land use/ Income groups matters ???Retail Market analysis can be done, considering the Spatial component.Analyse the impact of the various factors like Commercial/Residential/High income group areas..etcIt will help for Focused marketing for specific Savings/Deposit SchemesFor Ex: A Branch Near to Software Technology Parks/High Income group Areas May have more NRI AccountsA branch in Residential Locality may have more Senior Citizen Accounts ….EtcSo.. Focus more on those Areas/ Branch’s where probability is more
7 Business Expansion Planning New Branch / New ATM LocationCost-effective site analysis to select a new bank branch/ATM locationKey elements-Concentration of commercial areas, traffic patterns, workplaces or homes of customersBranch Performance MonitoringDefining a trade area around the branch,measuring the market potential within that trade area,identifying the nearby competitors.Decision support for Strategic PlanningWhat if scenarios provide the means to determine the effects ofbranch closuresrelocations
8 Bank Asset ManagementTo operate, maintain, and upgrade Bank's physical assets cost-effectively.Regular inspection for condition assessmentinfrastructure asset conditionReturn of Investment and Asset Performance
9 Retail banking services Online tracking of Cash status in ATM’sReal Time solution for the replenishment and management of ATMs provides highly effective approach to the cash management cycleAuto detect” component provides real time data in order to optimize the servicing of ATMs, “GIS based solution displays the ATMs on the map along with the cash status to help in better visualization and better optimization in Cash distribution
10 Branch Performance Monitoring This Branch performance is going down quarter by quarter, Any Spatial Implications ???Spatial Implications can be Any other banks New branches in surroundings, Shifting of Market places/Offices,Diversion of Traffic
11 Branch Performance Monitoring RelocateBranchUnder Served AreaGeo-coding the Customer Addresses(House/Office) may help to identify their distribution around the branches.Average distance calculations/ Spatial Analysis may help identify the under served AreasMapping the commercial/Convenient locations may help to pinpoint for New Re-locationsRelocation May help toAttract more customers by serving new AreasRetain existing customers
12 Cash van Fleet management Cash Van Fleet management for Cash distributionScheduling and planning of routes for cash vans and at the same time ensuring that the Cash vans run as per the schedule and disburses the cash at ATMs in time.More Security for Cash vans by linking to Central offices using Fleet management systemsThe clipping from a Leading National news paper included shows a report - A Security agency van was looted by Robberies.These kind of situations can be prevented/Tackled well by Fleet management system. Alarm will be raised at Central officeWhen Ever some body tries to Break the van.
13 Customer care / help Lines Customer calls to Help Line asking where is the Nearest ATM(Very common when we are new places)Person at Help desk can identify customer location based nearest landmarks and can guide him to nearest ATM Location