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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-frien
2、dlyalternativetotraditionalbanks.BankSimplepushesamessageofuserexperience—sophisticatedpersonalfinanceanalytics,asingle“do-it-all”card,superiorcustomerservice,andnooverdraftfees.Thoughbranchlessandprimarilyonline-based,BankSimpleisalsoplanningtoprovidesometraditionalcustomers
3、ervicetouches,includingphonesupportandmail-indeposits.Interestingly,BankSimplewillalsolikelynotbeabank—atleastnotinthetechnical,FDICsenseoftheword.Rather,BankSimple’sstrategyistobeafront-endfocusedonthecustomerexperience.Theback-endcore“bank”componentwillbeFDIC-insuredpartner
4、banks.UnfetteredbyyearsofITinvestmentsandentrenchedapplications,BankSimple’steamhasthefreedomtobuildaninnovative,user-friendlyonlineinterface,customerserviceprogram,andtheassociatedmobileandsocialbellsandwhistlesthatmoreandmoreconsumersaredemanding.Onewaytolookatitisasawrappe
5、rinsulatingtheconsumerfromtheaccounting,compliance,andtechnologychallengesthatmanybanksface.LikepersonalfinancesitesMint.comandWesabebeforeit,BankSimpleislookingtotapintoaperceivedgapbetweenwhatmajorbanksprovideandwhatconsumerswant.ArecentsurveybyForeSeeResultsandForbesfoundt
6、hatconsumersviewonlinebankingasmoresatisfyingthanbankingdoneoffline.Thoughgoodnewsfortheindustryasawhole,thesurveyalsofoundthatthefivelargestbanksinthecountryscoredthelowestinthestudy.Cheaperandmorecustomerfriendly,digitalbankingisthefuture—butmanyconsumersarefindingitisbette
7、rdonewithcreditunions,communitybanks,and(down-the-road)startupslikeBankSimple.Asyouread,significantinvestmentsarebeingmadebybankstoimprovetheironline,mobile,andIVRcustomer-friendliness.Majorbanksareembracingthesechannels,andcustomersatisfactionwilllikelyimproveovertime.Evenso
8、,startupslikeBank-Simpleshouldbeviewedasalearningopportunity.Theirid
