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肯尼亚的银行业已经接受了数字革命。在过去的五年中,对技术的投资已大大增加。结果是更高的效率,改善了对客户的服务并降低了运营成本。
但是,贷方并未充分利用其拥有的数据来增加收入。
FSD肯尼亚首席执行官塔玛拉·库克(Tamara Cook)认为,银行可以从他们持有的客户数据中获取大量收益。这位高管在接受肯亚华尔街采访时说:“如今,我们拥有的技术使银行拥有的数据能做的更多。银行没有以最可靠的方式使用他们拥有的数据……”
肯尼亚贷方可以从大数据分析中获取收益的一些方法包括:分析客户的支出方式,确定流行的交易渠道,为不同的客户提供量身定制的产品,评估风险并采取预防措施,并消除不必要的支出。
FSD行政长官在接受肯尼亚华尔街采访时称赞国会议员制定有关消费者数据保护法律的举动。但是,她指出,重要的是要在保护消费者数据与使用数据为客户提供更好的服务之间找到平衡。
塔玛拉·库克(Tamara Cook)领导着总部位于内罗毕的慈善信托–肯尼亚金融业深化组织。该组织的主要作用是帮助肯尼亚的金融服务部门为低收入者和中小型企业提供服务。
How Kenyan Banks could benefit from big data analytics
The banking sector in Kenya has embraced the digital revolution. In the past five years, investment in technology has significantly increased. The results have been greater efficiency, improved services to customers and a drop in operating costs.
However, the lenders are not fully utilizing the data in their possession to drive up revenues.
Tamara Cook, the Chief Executive Officer at FSD Kenya believes that banks can derive so much from the customers’ data they hold. In an interview with the Kenyan Wallstreet, the top executive said, “The technology we have today enables so much more to be done with the data that banks have. Banks are not using the data they have in the most robust way…”
Some of the ways Kenyan lenders can gain from big data analytics include; analyzing customers’ spending patterns, identifying the popular channels of transactions, providing tailored products for different customers, assessing risk and taking precautionary measures, and eliminating unnecessary expenses.
Speaking during the interview with the Kenyan Wallstreet, the FSD Chief Executive lauded the move by parliamentarians to establish laws on consumer data protection. However, she noted that it is important to find balance between protecting consumer data and using the data to provide better services to customers.
Tamara Cook leads the Nairobi-based charitable trust – Financial Sector Deepening, Kenya. The organization’s main role is to help the financial services sector in Kenya serve the low-income earners and Small and Medium-Sized Businesses.
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