Wer traut einer Bank ohne Filialen…
Juni 14, 2006 6:11 pm Banken, Dienstleistungen
…und ohne großartige Gebäude? Einer Bank, bei der ihm kein Berater aus Fleisch und Blut gegenüber steht? Die alle ihre Geschäfte nur über das Internet abwickelt? Und noch dazu verspricht, ab 1. Juli 2006 in Österreich 3% Zinsen auf täglich fälliges Geld zu zahlen? Und dafür enorme Summen in die Werbung steckt? Ist das seriös? Wie machen die das nur? Kann Vertrauen Sünde sein?
Die ‘Unkenrufer’ hatten es wieder einmal prophezeit: Das funktioniert nie! Die Menschen zahlen doch ihr Geld nicht an eine anonyme Internetbank! Und es geht doch. Fairerweise muss allerdings dazu gesagt werden, dass diejenigen Direktbanken, die dieses Konzept knallhart durchziehen, aus ihrer Vorgeschichte bereits einen Vertrauenspolster aufgebaut hatten. Entweder als Töchter großer Banken oder Gründungen von bekannten Persönlichkeiten. Pionierleistungen haben z.B. Versandhäuser erbracht, die Verbraucherbanken gründeten.
Marktanalysen meinen, dass mit dem Vordringen von Internetanschlüssen in private Haushalte die Kundenanzahl der Direktbanken weiterhin rasant steigen wird. Zumal diese ohnehin nur als Zweitbank gesehen werden, daher ohne allzu schlechtes Gewissen gegenüber der Hausbank in Anspruch genommen werden. Sogar als Ventil dienen (Meine Spargroschen nehme ich der Hausbank weg, alles andere mache ich weiterhin dort).
Alexander :
Datum: 14. Juni 2006 um 20:58
Jetzt musste ich glatt nochmal aufs Datum schauen. Ist schon 2006. Also, mal ehrlich, das mache ich schon jahrelang, mit mehr als einer Direktbank. Mal zu mehr, mal zu weniger als 3 %. Und auch mit dem “Hausbank-Konto”. Warum auch nicht?
innokaan :
Datum: 15. Juni 2006 um 17:57
Bei jeder Zielgruppe gibt es ‘First Mover’, also Innovatoren, die ein gewisses Grundvertrauen besitzen. Natürlich gibt es Direktbanken schon seit vielen Jahren, aber trotzdem war deren Marktanteil bisher noch nicht so berauschend. Nur: Je mehr sich Menschen daran gewöhnen, Ihre Reisen mit dem Internet zu planen, Ihre Bücher dort zu bestellen, Waren zu er- oder versteigern, umso eher waechst auch die Bereitschaft, seine Bankgeschäfte (nur) über das Internet abzuwickeln. Besonders dann, wenn man das auch mit seiner bisherigen Hausbank schon im Internet geübt hat.
Meine Meinung: Der Anteil der Direktbanken wird in nächster Zeit rasant steigen, die Zahl der Bankfilialen zurückgehen. Auch die Zahl der Automatenfilialen.
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