点点滴滴[外文翻译]

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1、标题：Bitbybit原文：Ifsegmentationisgood,subsegmentationisbetter.ComericaBankandothersarenowbeginningtoputtheresultsofdeepdataminingtowork.Banksaresuccessfullyemployingsegmentingtechnologytopiecetogetherapictureoftheircustomers’needs.——ByMelanieScarborough,contributingeditorKnowledgeispowerand,forbanks

2、,increasinglyitisprofitable.Althoughitisalong-standingpracticeforbankstocategorizecustomersintodiscretesegments,thosegroupsnowcanbesubdividedintopiecessmallenoughtoformaByzantinemosaic.Theavailabilityofinformationonlineandtheexplosionofsocialmediaenablesbankstobuildextensivepersonalprofilesofthei

3、rcustomers.Armedwiththeknowledgethatacustomerisshoppingforanewcar,isrecentlydivorced,orhasachildwhowillsoonentercollege,bankscanassignthatindividualtoappropriatesegmentsandtailorproductsandservicesaccordingly.Technologyalsoallowsbankstomonitoraccountsmorecloselyandsegmentcustomersaccordingtotheir

4、relationshipwiththebank.DanielMcCarty,executivevice-presidentoftreasurymanagementservicesatDetroit-basedComericaBank,whichhasalmost$35billioninassets,saystheyrecentlyupgradedtheirinternaltrackingofcustomertransactions.“Thereissuchvaluableinformationinday-to-dayprocessing—productusage,typeofproduc

5、ts,trendonpayments,wherethepaymentsaregoing,”hesays.“Deep,richdata-miningisavailablebecauseofthenewsystem.”RiseofthesubsegmentDetailedprofilesletbanksusewhatisquicklybecomingthemostvaluabletoolofcustomersegmentation:subsegmentation.Gatheringinformationfromtheinternetallowsbankstoknowtheircustomer

6、sonagranularlevel,saysSunnyBanerjea,globalsolutionsexecutiveforIBM,whohasstudiedcustomersegmentationforalmost20years.Insteadofmerelylumpingtogetherallcustomersovertheageof65,thatgroupmightincludeasubsegmentofcustomerswhohavegrandchildren.Thesmallerthesegment,thebetterthebankcantargetthatmarket.Su

7、bsegmentationalsocandictatehowaproductispresented.Forinstance,insteadofmerelyadvertisingmortgagestoprospectivehomebuyers,abankmightidentifyasubsegmentofyoungpeoplebuyingahouseforthefirsttime.“Youmighttrainpeoplediffere