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1、本科毕业论文外文翻译出处：InfosysStrategicVision原文：InsightsfromBankingSimpleByAshokVemuriIntroduction“Asimplerwayofbanking.Wetreatwithyourespect.Noextraneousfeatures.Nohiddenfees.”Fortheuninitiated,thisisthemantraofBankSimple,aBrooklyn-basedstartupwhichhaspositioneditselfasaconsumer-
2、friendlyalternativetotraditionalbanks.BankSimplepushesamessageofuserexperience—sophisticatedpersonalfinanceanalytics,asingle“do-it-all”card,superiorcustomerservice,andnooverdraftfees.Thoughbranchlessandprimarilyonline-based,BankSimpleisalsoplanningtoprovidesometraditiona
3、lcustomerservicetouches,includingphonesupportandmail-indeposits.Interestingly,BankSimplewillalsolikelynotbeabank—atleastnotinthetechnical,FDICsenseoftheword.Rather,BankSimple’sstrategyistobeafront-endfocusedonthecustomerexperience.Theback-endcore“bank”componentwillbeFDIC
4、-insuredpartnerbanks.UnfetteredbyyearsofITinvestmentsandentrenchedapplications,BankSimple’steamhasthefreedomtobuildaninnovative,user-friendlyonlineinterface,customerserviceprogram,andtheassociatedmobileandsocialbellsandwhistlesthatmoreandmoreconsumersaredemanding.Onewayt
5、olookatitisasawrapperinsulatingtheconsumerfromtheaccounting,compliance,andtechnologychallengesthatmanybanksface.LikepersonalfinancesitesMint.comandWesabebeforeit,BankSimpleislookingtotapintoaperceivedgapbetweenwhatmajorbanksprovideandwhatconsumerswant.ArecentsurveybyFore
6、SeeResultsandForbesfoundthatconsumersviewonlinebankingasmoresatisfyingthanbankingdoneoffline.Thoughgoodnewsfortheindustryasawhole,thesurveyalsofoundthatthefivelargestbanksinthecountryscoredthelowestinthestudy.Cheaperandmorecustomerfriendly,digitalbankingisthefuture—butma
7、nyconsumersarefindingitisbetterdonewithcreditunions,communitybanks,and(down-the-road)startupslikeBankSimple.Asyouread,significantinvestmentsarebeingmadebybankstoimprovetheironline,mobile,andIVRcustomer-friendliness.Majorbanksareembracingthesechannels,andcustomersatisfact
8、ionwilllikelyimproveovertime.Evenso,startupslikeBank-Simpleshouldbeviewedasalearningopportunity.Theirid
