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How does API help banks contact clients?

-- Through the use of communications APIs, banks can better meet customers' growing mobility and flexible interactive requirements

2018-05-11 09:55:24 Author: Source:CTI ForumComment:0  Click:


CTI Forum (ctiforum.com) (Compile / Lao Qin): As digital transformation continues to have an impact on all walks of life, consumer expectations are changing faster than ever before-especially in the banking industry.
How does API help banks contact clients?
New technologies such as artificial intelligence (AI) and chat robots are being developed to respond to changing consumer communication preferences. Today's digital consumers want self-service, and they can also communicate instantly with their banking representatives on any mobile device. With the expansion of mobile banking applications in terms of functionality and accessibility, consumer expectations are also increasing. Therefore, at any time, the ability to interact with financial institutions quickly and easily is not so much a welfare as a basic expectation.
Application programming interfaces (APIs) have been used to simplify digital banking. Since the APIs have entered the field of big data, many people in the banking industry are racking their brains to use their potentially rich background knowledge - from data cleansing of personal financial management to more understandable transactions, to analyzing those that can be manipulated. Observe the data.
However, as the digitalization of the banking industry continues to increase, APIs can also increase the impact of customer engagement through communications. Over the past three years, APIs have begun to leave a mark on the ability of banks to communicate with customers - through back-end updates to customer solutions and re-imagined participation.
As customers continue to expand their business expectations, APIs and big data provide businesses with another way to enhance the user experience by providing more contextual services. These APIs also make up for some deficiencies in Unified Communications (UC).
Creating mobility for customer engagement is one of the primary ways that APIs can enable mobile and digital banking to benefit from communications, creating a mobile customer experience. Unified Communications (UC) has played an important role in seamless communications, and banks already using Unified Communications (UC) solutions have further enhanced this functionality by implementing communications-related APIs.
Today's customers are more willing to interact with financial institutions through various channels, face-to-face with cashiers or financial experts, ATMs, interactive teller machines, online banking, mobile banking and textual AI, these are just a few of them, often different Switching between different channels for mobile devices occurs almost at any time of the day.
People's expectations for communicating with companies (especially financial companies) are constantly changing, which puts pressure on companies and demands them to meet the growing demand for mobility and flexible communication methods. As digital transformation continues to affect all aspects of the banking industry, new innovations will inevitably emerge to meet these ever-changing expectations. The customer expects a seamless experience. This process should eliminate the need to reconnect to different departments by jumping from the application to the application, but rather facilitate the seamless process of navigating through multiple channels in a single interaction.
Communication-related APIs not only benefit consumers. Equally important is that information is transferred to bank agents rather than forcing them to use multiple tools based on the customer's initial contractual options. Employees benefit from a single universal tool that supports any system's customer activities, creating a seamless experience for agents and customers. Financial institutions can improve customer engagement by integrating the functionality of APIs into Unified Communications (UC) technology to better meet today's digitally-oriented consumer expectations.
Using technology to re-imagine participation
One of the most common examples of clients is the increasing popularity of banking communications APIs and the growing demand for hands-free banking.
Using Internet of Things technology, hands-free banking is changing the way customers and financial institutions communicate and trade. For example, the bank is now working with Amazon's virtual assistant Alexa to give oral access to mobile banking "applications" through verbal orders in Echo devices.
As they rethink customer involvement, financial institutions are also turning to chat robot technology. The chatbot, or bank robot "bankbot," uses artificial intelligence engines to enable consumers to contact with financial institutions through SMS messages, thus further satisfying today's tech-savvy consumers' communication preferences. For example, instead of logging in to the mobile banking application, a customer can send a text message to a financial institution’s assigned mobile phone number to initiate a transaction—whether checking account balances, transferring funds, or paying bills—without leaving their text messages. application.
As all industries and industries are struggling to deal with the digital transformation of their own versions, the banking industry is in a good development stage, and communication-related APIs will continue to evolve as a way, because the influence of unified communications (UC) on participation is increasing.
Disclaimer: All rights reserved. Non-cooperative media declined to reprint
Author: Perry Price
Original URL: https://www.nojitter.com/post/240173498/how-apis-help-banks-connect-with-customers
 
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