5年後台灣約1750家銀行分行會消失 - 金融業討論

By Quanna
at 2015-10-30T13:49
at 2015-10-30T13:49
Table of Contents
http://www.ettoday.net/news/20151027/586552.htm
上周花旗銀針對「Bank3.0國際數位金融發展趨勢與因應策略」向金管會銀行局簡報指出,到2020年全台近3500家銀行分行將有5成消失,由ATM取代大多數分行功能,如開戶、發卡等。此外,機器人理財將是未來新興的理財諮詢模式。
金管會主委曾銘宗日前提出,金融數位化將產生「破壞性創新」,並要求銀行提出員工轉型輔導計畫,其中對銀行衝擊已率先看到,今年包括合庫、渣打銀等大舉裁撤共35家分行,而且是連分行執照都撤消了。
據悉,金管會開放金融業可100%投資包括機器人公司等金融科技(Fin-Tech)後,銀行有意引進機器人理財,並採用輔助理專做諮詢,可降低銀行營運成本、也可提供客製化理財服務。
花旗銀報告預估,5年後,也就是2020年,銀行分行的比重將從2012年的8成下滑到5成以下。分行做傳統存、匯交易也將從28%降到4%。
ATM比重將提升到3成,ATM可開戶、發卡將取代分行一部分的功能。
原文網址: ATM可以開戶發卡!5年後台灣約1750家銀行分行會消失 | ETtoday財經新聞 | ETtoday 新聞雲 http://www.ettoday.net/news/20151027/586552.htm#ixzz3q1mRjHN3
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讓我想到10幾年前證券跟期貨營業員也很好賺搶手
結果現在一堆人都用網路下單,連老人也都網路下單
現在證券跟期貨營業員紛紛離職薪水也都剩下2萬多,
然後證券營業員還要去拉保險基金信用卡
之前大家覺得很穩定的公股銀行櫃檯,做的卻是最不賺錢的存錢
提款以及對銀行毫無貢獻的客人,未來可能會跟台北銀行一樣
不是被民營銀行吃掉不然就是強迫性的轉型為理專跟銀行的櫃檯保險業務員
大家必須要思考中年失業的問題
BANK3.0有可能會讓銀行櫃檯以及非業務人員成為現在的證券營業員
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All Comments

By Sierra Rose
at 2015-11-03T17:03
at 2015-11-03T17:03
???

By Madame
at 2015-11-07T20:16
at 2015-11-07T20:16

By Necoo
at 2015-11-11T23:30
at 2015-11-11T23:30

By Odelette
at 2015-11-16T02:43
at 2015-11-16T02:43

By Blanche
at 2015-11-20T05:56
at 2015-11-20T05:56
老人人情味等...

By Tristan Cohan
at 2015-11-24T09:10
at 2015-11-24T09:10

By Gilbert
at 2015-11-28T12:23
at 2015-11-28T12:23

By Zanna
at 2015-12-02T15:37
at 2015-12-02T15:37

By Jacob
at 2015-12-06T18:50
at 2015-12-06T18:50

By Christine
at 2015-12-10T22:03
at 2015-12-10T22:03

By Candice
at 2015-12-15T01:17
at 2015-12-15T01:17
當時營業員吃香喝辣 是客戶求營業員幫他下單 如今....

By Tom
at 2015-12-19T04:30
at 2015-12-19T04:30
不提實務上如何一步一步架構出來。

By Joe
at 2015-12-23T07:44
at 2015-12-23T07:44

By Ophelia
at 2015-12-27T10:57
at 2015-12-27T10:57
譙到飛天的經辦,連簡單的ATM都有問題,如果出更複雜的

By Andrew
at 2015-12-31T14:10
at 2015-12-31T14:10
部的最好皮繃緊一點,因為客戶不會用還是出問題,找不到

By Mary
at 2016-01-04T17:24
at 2016-01-04T17:24

By Iris
at 2016-01-08T20:37
at 2016-01-08T20:37

By Puput
at 2016-01-12T23:51
at 2016-01-12T23:51

By Anonymous
at 2016-01-17T03:04
at 2016-01-17T03:04
要自己想辦法去學習無法被取代的專業能力

By Daniel
at 2016-01-21T06:17
at 2016-01-21T06:17
好怕我失業…我才剛來電銷貸款

By Kumar
at 2016-01-25T09:31
at 2016-01-25T09:31

By Wallis
at 2016-01-29T12:44
at 2016-01-29T12:44

By Elma
at 2016-02-02T15:58
at 2016-02-02T15:58

By Charlotte
at 2016-02-06T19:11
at 2016-02-06T19:11

By Zora
at 2016-02-10T22:24
at 2016-02-10T22:24

By Annie
at 2016-02-15T01:38
at 2016-02-15T01:38

By Ida
at 2016-02-19T04:51
at 2016-02-19T04:51

By Heather
at 2016-02-23T08:05
at 2016-02-23T08:05

By Hamiltion
at 2016-02-27T11:18
at 2016-02-27T11:18
未來人人都是理專 銀行的確有逐漸消失的風險
自己身在銀行業 本來就要想遠一點
不要以為你進入了官股 就可以安穩做到退休
去看看以前的營業員跟現在的營業員相比

By David
at 2016-03-02T14:31
at 2016-03-02T14:31
銀行櫃員本來就取代性高,應該加強自己的專業能力

By Emily
at 2016-03-06T17:45
at 2016-03-06T17:45
不然早晚會被裁員去看看臺北銀行的下場

By Madame
at 2016-03-10T20:58
at 2016-03-10T20:58

By Oliver
at 2016-03-15T00:12
at 2016-03-15T00:12
未來的事情很長 都很難說
也不會有人知道現在證券營業員跟收費員會變成現慘樣

By Linda
at 2016-03-19T03:25
at 2016-03-19T03:25

By Carol
at 2016-03-23T06:38
at 2016-03-23T06:38

By Heather
at 2016-03-27T09:52
at 2016-03-27T09:52

By Dora
at 2016-03-31T13:05
at 2016-03-31T13:05

By Agnes
at 2016-04-04T16:19
at 2016-04-04T16:19

By Olivia
at 2016-04-08T19:32
at 2016-04-08T19:32

By Oscar
at 2016-04-12T22:45
at 2016-04-12T22:45
但是櫃員容易被取代以及人人上理專的確是趨勢

By Frederica
at 2016-04-17T01:59
at 2016-04-17T01:59
正視這個未來可能失業的問題

By Andy
at 2016-04-21T05:12
at 2016-04-21T05:12

By Dinah
at 2016-04-25T08:26
at 2016-04-25T08:26

By Regina
at 2016-04-29T11:39
at 2016-04-29T11:39

By Tracy
at 2016-05-03T14:52
at 2016-05-03T14:52

By Wallis
at 2016-05-07T18:06
at 2016-05-07T18:06

By Oliver
at 2016-05-11T21:19
at 2016-05-11T21:19

By Audriana
at 2016-05-16T00:33
at 2016-05-16T00:33

By Liam
at 2016-05-20T03:46
at 2016-05-20T03:46

By Steve
at 2016-05-24T06:59
at 2016-05-24T06:59

By Ursula
at 2016-05-28T10:13
at 2016-05-28T10:13

By Franklin
at 2016-06-01T13:26
at 2016-06-01T13:26

By Mia
at 2016-06-05T16:40
at 2016-06-05T16:40

By Lydia
at 2016-06-09T19:53
at 2016-06-09T19:53

By Linda
at 2016-06-13T23:06
at 2016-06-13T23:06

By Gary
at 2016-06-18T02:20
at 2016-06-18T02:20

By Suhail Hany
at 2016-06-22T05:33
at 2016-06-22T05:33

By Thomas
at 2016-06-26T08:47
at 2016-06-26T08:47
警示文,聊聊你'正視危機'後作出啥防禦 改變可能較有迴

By Mia
at 2016-06-30T12:00
at 2016-06-30T12:00

By Kyle
at 2016-07-04T15:13
at 2016-07-04T15:13
行高層吧

By Jacob
at 2016-07-08T18:27
at 2016-07-08T18:27

By Suhail Hany
at 2016-07-12T21:40
at 2016-07-12T21:40

By Skylar Davis
at 2016-07-17T00:54
at 2016-07-17T00:54

By Suhail Hany
at 2016-07-21T04:07
at 2016-07-21T04:07

By Tom
at 2016-07-25T07:20
at 2016-07-25T07:20

By Cara
at 2016-07-29T10:34
at 2016-07-29T10:34

By Ina
at 2016-08-02T13:47
at 2016-08-02T13:47

By Damian
at 2016-08-06T17:01
at 2016-08-06T17:01

By Victoria
at 2016-08-10T20:14
at 2016-08-10T20:14

By James
at 2016-08-14T23:27
at 2016-08-14T23:27
戶 買丟高手收高風險產品嗎

By Oscar
at 2016-08-19T02:41
at 2016-08-19T02:41
裁員掉了

By George
at 2016-08-23T05:54
at 2016-08-23T05:54

By Victoria
at 2016-08-27T09:08
at 2016-08-27T09:08

By Selena
at 2016-08-31T12:21
at 2016-08-31T12:21
知道不知做何感想

By Kama
at 2016-09-04T15:34
at 2016-09-04T15:34

By Victoria
at 2016-09-08T18:48
at 2016-09-08T18:48

By Adele
at 2016-09-12T22:01
at 2016-09-12T22:01

By Dinah
at 2016-09-17T01:15
at 2016-09-17T01:15
第二專長你有,你就贏了,幹嘛給自己多很多競爭者,不合理
啊

By Ursula
at 2016-09-21T04:28
at 2016-09-21T04:28
討論跟擔憂嗎
我也不想看到cocoyi中年失業阿,讓你有未雨綢繆阿

By Emma
at 2016-09-25T07:41
at 2016-09-25T07:41

By Adele
at 2016-09-29T10:55
at 2016-09-29T10:55

By Belly
at 2016-10-03T14:08
at 2016-10-03T14:08

By Aaliyah
at 2016-10-07T17:22
at 2016-10-07T17:22

By Ethan
at 2016-10-11T20:35
at 2016-10-11T20:35

By Skylar DavisLinda
at 2016-10-15T23:48
at 2016-10-15T23:48

By Bethany
at 2016-10-20T03:02
at 2016-10-20T03:02

By Todd Johnson
at 2016-10-24T06:15
at 2016-10-24T06:15

By Agatha
at 2016-10-28T09:29
at 2016-10-28T09:29
家都有第三方支付系統與設備 銀行員才有可能跟證券
營業員一樣艱困

By Lauren
at 2016-11-01T12:42
at 2016-11-01T12:42
讓人懷疑你是否真的了解銀行業務或者根本不在銀行

By Delia
at 2016-11-05T15:55
at 2016-11-05T15:55
你覺得櫃員不容易被取代嗎???
trouble04323不趕快急於培養第二專長只會質疑

By Andy
at 2016-11-09T19:09
at 2016-11-09T19:09
電子化交易 網銀 第三方支付這些都一直進行

By Ingrid
at 2016-11-13T22:22
at 2016-11-13T22:22
現在會去實體銀行的客戶跟貢獻度根本越來越差
trouble04323在仔細看好這一句話
蒙上眼睛就以為看不見。閉上耳朵就以為聽不到

By Sarah
at 2016-11-18T01:36
at 2016-11-18T01:36
是否有辦法有第二專長例如西班牙文日文電腦電子科技
而不是在這邊宣揚太平盛世只會讓我感到很可笑

By Olivia
at 2016-11-22T04:49
at 2016-11-22T04:49

By Kristin
at 2016-11-26T08:02
at 2016-11-26T08:02
trouble04323你才2015年剛考上 銀行感覺很熟???

By Queena
at 2016-11-30T11:16
at 2016-11-30T11:16
無風不起浪,一堆銀行高層跟專家會發這些新聞

By Poppy
at 2016-12-04T14:29
at 2016-12-04T14:29
有否定你認為銀行員失業的問題

By Olivia
at 2016-12-08T17:43
at 2016-12-08T17:43
你懷疑我不是在銀行業 就覺得很可笑
剛進銀行的你就質疑別人不了解銀行業???

By Agnes
at 2016-12-12T20:56
at 2016-12-12T20:56
淘汰的速度

By Leila
at 2016-12-17T00:09
at 2016-12-17T00:09
10年前的營業員也不知道現在會變成這樣
蒙上眼睛就以為看不見。閉上耳朵就以為聽不到

By Poppy
at 2016-12-21T03:23
at 2016-12-21T03:23

By Edward Lewis
at 2016-12-25T06:36
at 2016-12-25T06:36

By James
at 2016-12-29T09:50
at 2016-12-29T09:50

By Carolina Franco
at 2017-01-02T13:03
at 2017-01-02T13:03
更深知銀行櫃台業務與營業員的差別 因此看到你拿差
異如此大的營業員來比擬更感到詫異

By Rebecca
at 2017-01-06T16:16
at 2017-01-06T16:16

By Eartha
at 2017-01-10T19:30
at 2017-01-10T19:30
說蒙著眼是哪招XDD

By Tom
at 2017-01-14T22:43
at 2017-01-14T22:43
存款提款都可以用ATM代勞
未來新進 櫃員真的要把業務能力增強許多
不然可能會一直被電

By Dinah
at 2017-01-19T01:57
at 2017-01-19T01:57
原本櫃員可能強迫轉變理專 或是叫你走路

By Delia
at 2017-01-23T05:10
at 2017-01-23T05:10

By Freda
at 2017-01-27T08:23
at 2017-01-27T08:23
不然每天一堆美元保單六年儲蓄險,IPO基金,
轉介 推銷 信用卡等等按號都快累死還要推這些

By Steve
at 2017-01-31T11:37
at 2017-01-31T11:37

By Harry
at 2017-02-04T14:50
at 2017-02-04T14:50
,完全不用到實體分行,這也是bank 3.0的推展精髓),如
果屆時開放,客戶還是要去實體分行拍照驗證件,甚至還要
補寫書面文件,那還蠻鳥的。

By Sierra Rose
at 2017-02-08T18:04
at 2017-02-08T18:04

By Callum
at 2017-02-12T21:17
at 2017-02-12T21:17

By Brianna
at 2017-02-17T00:30
at 2017-02-17T00:30
,如果所有業務都能在家點一點就能完成,何樂不為呢。

By Callum
at 2017-02-21T03:44
at 2017-02-21T03:44
有點無言。

By Valerie
at 2017-02-25T06:57
at 2017-02-25T06:57

By Ingrid
at 2017-03-01T10:11
at 2017-03-01T10:11

By Gary
at 2017-03-05T13:24
at 2017-03-05T13:24

By Ivy
at 2017-03-09T16:37
at 2017-03-09T16:37

By Lydia
at 2017-03-13T19:51
at 2017-03-13T19:51

By Lily
at 2017-03-17T23:04
at 2017-03-17T23:04
全是壞事,人有無限潛能,領ㄧ筆錢做點小生意也是能過
日子,如果是我會去賣吃的,至少有基本的利潤在,不至
於餓死,要正面思考,ㄧ起加油吧。

By Susan
at 2017-03-22T02:18
at 2017-03-22T02:18
題

By Madame
at 2017-03-26T05:31
at 2017-03-26T05:31

By Elvira
at 2017-03-30T08:44
at 2017-03-30T08:44

By Hedda
at 2017-04-03T11:58
at 2017-04-03T11:58

By Mary
at 2017-04-07T15:11
at 2017-04-07T15:11
!

By Kama
at 2017-04-11T18:25
at 2017-04-11T18:25

By Zenobia
at 2017-04-15T21:38
at 2017-04-15T21:38

By Victoria
at 2017-04-20T00:51
at 2017-04-20T00:51
進去還立馬入帳 以前沒進銀行前都想說原來支票是這麼一
回事 回台灣做了支存才知道原來支票是怎麼一回事了...
現在美國朋友來台灣他說他們現在拍照支票就可以上傳入
帳...
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