Strict Standards: Redefining already defined constructor for class wpdb in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/wp-db.php on line 52

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/cache.php on line 36

Strict Standards: Redefining already defined constructor for class WP_Object_Cache in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/cache.php on line 389

Strict Standards: Declaration of Walker_Page::start_lvl() should be compatible with Walker::start_lvl($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 537

Strict Standards: Declaration of Walker_Page::end_lvl() should be compatible with Walker::end_lvl($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 537

Strict Standards: Declaration of Walker_Page::start_el() should be compatible with Walker::start_el($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 537

Strict Standards: Declaration of Walker_Page::end_el() should be compatible with Walker::end_el($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 537

Strict Standards: Declaration of Walker_PageDropdown::start_el() should be compatible with Walker::start_el($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 556

Strict Standards: Declaration of Walker_Category::start_lvl() should be compatible with Walker::start_lvl($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 653

Strict Standards: Declaration of Walker_Category::end_lvl() should be compatible with Walker::end_lvl($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 653

Strict Standards: Declaration of Walker_Category::start_el() should be compatible with Walker::start_el($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 653

Strict Standards: Declaration of Walker_Category::end_el() should be compatible with Walker::end_el($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 653

Strict Standards: Declaration of Walker_CategoryDropdown::start_el() should be compatible with Walker::start_el($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 678

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/query.php on line 21

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/theme.php on line 508

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/disclose-secret.php on line 102

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/manager.php on line 44

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/manager.php on line 58

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/manager.php on line 59

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/manager.php on line 60

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/cache.php on line 28

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/cache.php on line 37

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/option.php on line 156

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/option.php on line 403

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/migrator.php on line 24

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/migrator.php on line 27

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/migrator.php on line 30

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/migrator.php on line 33

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/migrator_post_levels.php on line 117

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/config_ui.php on line 71

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method JAWPopularPostsWidget::load() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 160

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method Ajax_Comment_Preview::init() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 160

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method GoogleSitemapGenerator::Enable() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 160

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_query_vars() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 137

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 114

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 212

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_posts_where() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_search_where() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_posts_join() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_search_join() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_posts_groupby() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_tag_templates() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 160

Warning: Cannot modify header information - headers already sent by (output started at /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/wp-db.php:52) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/feed-rss2.php on line 2
Bank 2.0 » Filiale http://www.bank-zweinull.de IT-Trends und Innovationen für Banken
Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 137

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14
Mon, 28 Jul 2014 17:10:49 +0000
http://wordpress.org/?v=2.2.3 en © Martina.Goehring@centrestage.de () Martina.Goehring@centrestage.de IT-Trends und Innovationen fuuml;r Banken Martina.Goehring@centrestage.de No no http://www.centrestage.de/banking/wp-content/plugins/podpress/images/powered_by_podpress.jpg Bank 2.0 http://www.bank-zweinull.de 144 144
Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28
<br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> Bankenfachtagung Bank&Zukunft 2009
Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
http://www.bank-zweinull.de/2009/06/26/bankenfachtagung-bankzukunft-2009/
Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
http://www.bank-zweinull.de/2009/06/26/bankenfachtagung-bankzukunft-2009/#comments

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14
Fri, 26 Jun 2009 11:33:24 +0000
Martina Goehring
Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_add_tags_to_rss() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57
Bank+ZukunftIBMSmavaVorträge http://www.bank-zweinull.de/2009/06/26/bankenfachtagung-bankzukunft-2009/ Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/coolplayer/coolplayer.php on line 134

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/coolplayer/coolplayer.php on line 135

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/formatting.php on line 74

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_the_content_filter() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 669

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 669

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 670

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 670

Die Präsentationen und Profile der Preisträger des Bankenforums in Frankfurt vom 5. Mai 2009 stehen nun zur Verfügung. Die Vorträge stehen online auf der IBM Eventseite zum Download.

Zur Preisverleihung „Geschäftsstelle des Jahres“ gibt es darüber hinaus einen Kurzfilm auf Geldinstitute. Darin werden die prämierten Projekte und Preisträger vorgestellt. Die Profile der Preisträger in alphabetischer Reihenfolge:

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Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28
<br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> Statements von der Bankenfachtagung Bank und Zukunft 2009
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http://www.bank-zweinull.de/2009/05/06/statements-von-der-bankenfachtagung-bank-und-zukunft-2009/
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Wed, 06 May 2009 19:44:53 +0000
Martina Goehring
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Die Bankenfachtagung „Bank und Zukunft 2009“, veranstaltet vom Fraunhofer IAO und IBM hat gestern in Frankfurt im IBM-Finance Center stattgefunden. Einige Statements der Referenten habe ich als Lessons Learnt mitgenommen.

“Es war nie einfacher (als in einer Krise) Kunden zu gewinnen.” sagte IBM-Geschäftsführer Matthias Hartmann und hat den Banken dazu vier Strategien empfohlen

  1. Die Institute müssen sich konsolidieren und spezialisieren.
  2. Die Institute müssen den Missing Link zwischen Strategieplan und Umsetzung schließen. Es gibt zu viele Pläne in den Schubladen, die nie umgesetzt werden.
  3. Die Institute müssen nach dem Prinzip Client First handeln: der Kunde zuerst

  4. Die Institute müssen die Globalisierungschancen nicht nur produktionsseitig sondern auch marktseitig nutzen und Kosten- und Skalierungseffekte entlang der Wertschöpfungskette realisieren.

Martin Engstler vom Fraunhofer IAO stellte die Ergebnisse der neuen IAO-Bankenstudie 2009 vor. Einige sind mir aufgefallen, die zwar nicht unbedingt neu, aber bei den Banken jetzt auch angekommen sind:

  • Jede zweite Bank stellt sich zurzeit die Frage nach ihrer Positionierung im Markt und nach ihren Produkten.
  • Bei den meisten Instituten wird es keinen Investitionsstopp geben, aber Verschiebungen von Investitionen aufgrund der Krise sind durchaus an der Tagesordnung.
  • Die Internetseiten der meisten Banken spiegeln eher das Organigramm als den Kundenprozess wider. Die Kundenperspektive wird dennoch als eines der wichtigsten Trendthemen genannt.
  • Die Automatisierung von Prozessen soll durch Optimierung der Kooperationsstrukturen der Partner erreicht werden. Bislang wurde das Automatisierungsthema immer als reines IT-Prozessthema gesehen. Neu ist, dass nun auch auf Kooperation gesetzt wird, nicht nur intern sondern auch nach außen. Auch wenn Prozessoptimierung nicht alleiniges Ziel sein darf, es ist ein Anfang.
  • Die Trends für 2015 sind Konzentration auf Vertrieb und mehr Zeit für persönliches Kundenbeziehungsmanagement. Dieser Trend wurde wichtiger im Vergleich zu den letzten Jahren.
  • Interessant war, dass sich 50% der Institute gut vorbereitet fühlen für die Herausforderungen der Zukunft. Mit Blick auf die internen Strukturen wurde dieses Ergebnis vom Referenten allerdings bezweifelt. Demnach meinen aber die anderen 50%, nicht gut vorbereitet zu sein.

Ob diese zum Teil Extrempositionen nun Ausdruck von Ignoranz und Hilflosigkeit oder der Beginn eines grundlegenden Wandels einer Branche sind, die bislang als weitgehend stabil und unveränderbar galt, wird sich bald zeigen. Es erinnert mich an den vor ca. zehn Jahren begonnenen und als Megatrend bezeichneten Umbruch in der Medienindustrie. Diese hat sich, wie man inzwischen weiß, strukturell und in den Geschäftsmodellen grundlegend verändert. Da wir zurzeit am Ende eines Konjunkturzyklus nach Kondratieff sind, werden auch Paradigmenwechsel im Finanzmarkt nicht ausbleiben können.

Bernhard Keller von TNS Infratest berichtete aus der aktuellen Kundenstudie, die der Frage nachging, was Kunden von Banken und insbesondere von den Filialen erwarten. Da inzwischen 40% der Kunden ihre Bankgeschäfte online durchführen, muss man sich fragen, was machen die anderen 60% in der Filiale. Die meisten sind dort an den Automaten anzutreffen. Nur 8% der Filialgänger ist dort für eine qualifizierte Beratung (im Untersuchungszeitraum). Drei Viertel wissen nicht, warum sie in eine Filiale gehen sollten. Die Botschaft am Ende: die Banken müssen das Vertrauen der Kunden wieder gewinnen, das auf persönlichen Beziehungen basiert und nur in der Filiale funktioniert. Deshalb werden neue Filialkonzepte benötigt.

Persönliche Beziehungen lassen sich nicht nur in einer Filiale herstellen. Die Banken sollten sich auch mal fragen, wie man die Konzepte der sozialen Netzwerke und Communities im Internet für das eigene Kundenbeziehungsmanagement nutzen könnte.

Beim Vortrag von Tristan Reckhaus von IBM haben sich viele Banker vermutlich gefragt, was hat denn die Barbie-Community mit ihrer Bank zu tun. Bei den vielen Beispielen aus der Web 2.0 Welt im Vortrag habe ich mich zwar zuhause gefühlt, allerdings haben mir auch Hinweise auf eine Übertragbarkeit in die Bankenwelt gefehlt, insbesondere unter dem Aspekt Vertrauensbildende Maßnahmen, Kundenkommunikation und Marketing.

Ein Highlight aus meiner Sicht war der Vortrag von Alexander Artopé, Geschäftsführer von smava, dem online Marktplatz, der private Kredite von Menschen an andere Menschen vermittelt. Ich erinnere mich noch genau, wie ich dieses Modell bei einem Kundenbesuch 2007 als Beispiel vorgestellt habe und es dort belächelt wurde mit den Worten: „Ich kann mir nicht vorstellen, dass es Menschen gibt, die übers Internet völlig Unbekannten Geld leihen. Was haben sie davon? Was passiert, wenn nicht zurückgezahlt werden kann? Welche Sicherheiten gibt es denn, die doch nur eine Bank bieten kann?“ Diese Punkte und einiges mehr wurden sehr klar und überzeugend beantwortet.

„Vertrauen zum Kunden, Beziehungen zum Produkt und zu Menschen, Sicherheit aber auch Spaß am Geld anlegen“ alles Werte, die von den Referenten, insbesondere der Großbanken, in ihren Vorträgen als sehr wichtig herausgestellt wurden und die man zurück erobern müsse, sind in diesem innovativen Geschäftsmodell und der Community von smava realisiert.

Bei der Preisverleihung zur Geschäftsstelle des Jahres 2009 hat es mir dann für einen kurzen Moment etwas die Sprache verschlagen. Die vorgestellten Preisträger-Filialen sind allesamt ganz hübsch anzuschauen und ich persönlich bewege mich auch lieber in einem schönen hellen Raum mit angenehmer und moderner Atmosphäre, zumindest beim Einkaufen. Aber „Wartelaunches“ und „entspannte Wartezonen“ als innovative Kundenkonzepte einer Filiale zu verkaufen, ist nicht gerade zeitgemäß. Ich kenne keine Kunden, die warten wollen, wenn sie einen Termin haben, auch nicht in einem weißen Designer-Ledersessel. Dennoch, die italienische Filiale der Cassa Rurale di Treviglio hat mir am besten gefallen, weil sie die Raiffeisen-Philosophie sehr gut umgesetzt hat.

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Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28
<br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> Die Filiale wird neu entdeckt.
Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
http://www.bank-zweinull.de/2007/11/29/die-filiale-wird-neu-entdeckt/
Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
http://www.bank-zweinull.de/2007/11/29/die-filiale-wird-neu-entdeckt/#comments

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14
Thu, 29 Nov 2007 16:19:25 +0000
Martina Goehring
Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_add_tags_to_rss() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57
Bank+ZukunftBranch BankingSparkassen http://www.bank-zweinull.de/2007/11/29/die-filiale-wird-neu-entdeckt/ Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/coolplayer/coolplayer.php on line 134

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/coolplayer/coolplayer.php on line 135

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/formatting.php on line 74

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_the_content_filter() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 669

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 669

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 670

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 670

rlogoImpressionen zur FTD-Serie Bank der Zukunft

Die zehnteilige Serie der Financial Times Deutschland zu Aspekten der Bank der Zukunft wie die IT, die Zielgruppen und den Vertrieb habe ich mir durchgelesen. Meine Lessons learned und persönliche Analyse waren dabei, die ich hier zusammenfassen möchte.

Die Filiale wird neu entdeckt:

Die Strategie der Mischung verschiedener Vertriebsformen bringt derzeit eine Renaissance der Bankfiliale. Vielfältigste Formen und Kombinationen neuer Bankfilialen sollen die Menschen häufiger und länger in eine Bank führen. Mit welchen Konzepten das gelingen wird, ob mit Spielecke und Wickeltisch, Warteschlangen-Optimierung oder mit Dialogfilialen, wird die Zukunft zeigen. Wir haben hier an anderer Stelle bereits schon Filialkonzepte aus dem IAO-Innovationskreis vorgestellt.

Interessant sind die Erfahrungen mit dem Sparkassenbus in Ostfriesland, der durch den schrumpfenden Kundenkreis erhebliche Nachwuchsprobleme hat: „Die jungen Leute nutzen dann doch lieber das Internet” meint Carsten Mohr, Marketingleiter der Sparkasse Leer-Wittmund, zu der die Bus-Geschäftsstelle gehört. Ich frage mich, ob die Menschen im ländlichen Raum Internet-affiner sind als in den Städten.

„Die Zukunft der Bankfiliale sieht Manfred Eberl, Filialleiter der Frankfurter Sparkasse, im Verkauf - und nur im Verkauf.“ Seine Darstellungen aus den 80er Jahren lassen einen neuen alten Trend wieder beleben: mehr Präsenz bei Sportveranstaltungen, im Fußballstadion, auf der Pferderennbahn, auf Festen und bei Preisverleihungen sowie Mitgliedschaften in Karnevals- und Schützenvereinen. „Ich war manchmal mehr in der Öffentlichkeit als in der Filiale“.

Für die einen ist die Filiale mit persönlicher Beratung der mit Abstand wichtigste Vertriebsweg. Für die anderen benötigt eine persönliche Beratung vor allem drei Dinge: einen Ortstermin, einen kompetenten Mitarbeiter und eine gute Vorbereitung, um die richtigen Fragen stellen zu können. Und die findet man dann am besten im Internet.

]]>

Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
http://www.bank-zweinull.de/2007/11/29/die-filiale-wird-neu-entdeckt/feed/

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28
<br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> Rezepte für die Bank der Zukunft
Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
http://www.bank-zweinull.de/2007/10/08/rezepte-fuer-die-bank-der-zukunft/
Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
http://www.bank-zweinull.de/2007/10/08/rezepte-fuer-die-bank-der-zukunft/#comments

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14
Mon, 08 Oct 2007 19:54:21 +0000
Martina Goehring
Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_add_tags_to_rss() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57
Bank+ZukunftBranch BankingKundensegmentierungMultichannel BankingQ110Securityxing http://www.bank-zweinull.de/2007/10/08/rezepte-fuer-die-bank-der-zukunft/ Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/coolplayer/coolplayer.php on line 134

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Der Blick in die Zukunft ist für die einen (die Kunden) oft Wunschbild an Forderungen, die meist aus einer aktuellen Unzufriedenheit heraus formuliert werden und für die anderen (die Betroffenen) oft Verteidigungsstrategie gepaart mit Zynismus, für den manchmal auch Verständnis gezeigt werden muss, und für die dritten (die Experten) immer ein Versuch, Verbesserungspotentiale auf neuen Wegen zu entdecken und zu erklären. Auch wenn diese Versuche manchmal scheitern oder völlig andere Wege gehen, sind sie absolut notwendig um auf Veränderungen vorbereitet zu sein und neues zu wagen.

Im Interesse dieses Blogs habe ich die Diskussion zum Thema: “Wie sieht die Bank der Zukunft aus?” im xing-Bankingclub Forum Vertrieb&Marketing verfolgt. Meine persönlichen Lessons Learnt aus der Diskussion drehen sich um die folgenden Themen zu neuen Vertriebsstrukturen und –wegen, die Banken in der Zukunft beschreiten müssen:

Standardprodukte

Das tägliche Geschäft über standardisierte Produkte wie z.B. der gesamte Zahlungsverkehr, Überweisungen u.a. werden zukünftig automatisiert abgewickelt. Hier können Banken Skaleneffekte geltend machen und diese in Form von kostenlosen Konten oder Rabatten an die Kunden weitergeben. Den Kunden werden hierfür vor allem online Vertriebskanäle (Internet, Automaten etc.) zur Verfügung stehen.

Dazu werden die Banken das Online Geschäft stärker ausbauen und die Services übers Internet weiter optimieren. Banken werden ihre Dienstleistungen um „nicht banktypische“ Leistungen (Cross-Selling) erweitern, um mit einem breit diversifizierten Leistungsangebot dem Markt begegnen zu können und somit die Schwankungen der Erträge zu minimieren. Cross-Selling fördert auch den Verbundeffekt der Institutionen. Dass Cross-Selling Potentiale bislang noch bei weitem nicht ausgeschöpft werden, zeigt eine aktuelle Untersuchung des ibi.

Beratung

Die Anforderungen an eine qualifizierte Beratung werden weiter steigen. Komplexere Angebote wie Anlage-, Vermögens- oder Vorsorgeberatung werden vermutlich nicht vollständig ersetzt durch online Angebote, aber doch maßgeblich unterstützt durch mathematische Software und Instrumente für Berechnungen, durch Visualisierungstechniken, durch Methoden zur besseren Messbarkeit und Vergleichbarkeit zwischen Anbietern und Produkten und durch Bewertungs- und Empfehlungsservices von den Anwendern selbst.

Die Beratung verlagert sich dahingehend, nicht Produkte zu verkaufen sondern individuelle Angebote in Form von Produkt+Service-Paketen zu gestalten. Neben Knowhow betrifft das auch die Mobilität und Flexibilität der Bank. Beratung wird in multipler Form (Multichannel Banking) erfolgen: in der nächstgelegenen Bankfiliale, beim Kunden in der Wohnung, am Arbeitsplatz, an einem anderen gewählten Ort, sowie unabhängig von Ort und Öffnungszeiten auch über online Medien und Telekommunikation.

Honorare

Die Bereitschaft für Beratung Honorare zu zahlen, wird als gering eingeschätzt. Vielleicht liegt es am Honorarmodell. Eine Beratung beim Autohändler ist auch kostenlos, da sie mit zur Akquisition und dem Ziel, ein Auto zu verkaufen, gehört. Ein Honorar, das sich am Erfolg der Beratung orientiert und am Ende aus dem Return der Beratung finanziert, wird sicher gerne bezahlt.

Sicherheit

Angriffe auf Online Banking oder direkt auf Bankserver durch Trojaner, Phishing, Pharming, Skimming, technische und soziale Mechanismens des Datenklaus, und damit verbundene Sicherheitssysteme werden auch immer wieder als wichtige Voraussetzung für die Akzeptanz von online Banking in der Zukunft genannt. Eine Thematik, die im Web 2.0 sicher noch weitere Aspekte und Herausforderungen für IT-Infrastrukturen und Identifizierungssysteme darstellt, aber als eine Selbstverständlichkeit angesehen werden sollte, um die sich „eine Vielzahl“ von Software-Ingenieuren aus Datenschutz- und Datensicherheit kümmern und (hoffentlich) vernünftige Lösungen hervorbringen werden. Sicherheit sollte nicht als Killerargument gegen alles Neue im Onlinegeschäft verwendet werden.

Filialen

Die Bankfiliale ist aus meiner Sicht keine Einrichtung, in der ich entspannen oder in Ruhe meine Latte Macchiato trinken möchte, sondern möglichst schnell und ohne viel Aufwand meine finanziellen Geschäfte erledigen möchte, ob es sich dabei um standardisierte Transaktionen oder beratungsintensive Anlagestrategien handelt, ist für mich egal.

Die Filiale der Zukunft steht beim Fraunhofer IAO immer wieder auf dem Prüfstand und wird hier im Blog daher auch besonders betrachtet. Auch die Experten in xing sind sich einig: die Filiale der Zukunft wird sich, dort wo es sie noch geben wird, verändern, ob sie nun aussieht wie Q110 oder eher wie ein Handelsgeschäft mit Finanzprodukten, genannt werden WaMu in den USA oder die neue Filiale der Valiant Bank in Bern in der Schweiz, oder Filialen, die sich auf wenige ausgewählte Produkte z.B. beratungsintensive Produkte mit hoher Gewinnspanne spezialisieren. Einig ist man sich weiterhin darüber, dass Standardgeschäfte nicht mehr in Filialen stattfinden werden. Ganz nach dem Prinzip, FDL-Produkte dort anzubieten, wo sowieso eine hohe Kundenfrequenz besteht, sind auch Third Party Anbieter wie Tchibo, Migros und COOP u.a. am Markt zu finden, die in ihren Kaufhausfilialen Bankberatung anbieten. Hier erwarten wir weitere Geschäftsmodelle, Franchisemodelle in der Kooperation zwischen Banken und Nichtbanken.

Zielgruppensegmentierung

Eines der meist angesprochenen Themen ist die Zielgruppensegmentierung und der Wunsch, Kunden „in Schubladen“ stecken zu können, z.B. anhand des biologischen Alters, der aktuellen Lebenssituation, des Berufes oder der Bildung. Ein bisschen habe ich das Gefühl, als würden die Bankkunden in einer eigenen Welt leben. Dabei sind sie ebenso Kunden von Autos, Mode, Schuhen, Büchern uvam. Bei Amazon, ebay, im Automobilvertrieb, beim E-Commerce nachgefragt ist man da schon etwas weiter.

In Zukunft ist die Zielgruppe gleich EINS, d.h. es gibt im Extremfall so viele Zielgruppen wie Kunden. Stunden vergehen, bis ein- und dieselbe Autovariante vom Band rollt, Auktionen verdeutlichen, dass die Käufer ihren eigenen Preis machen wollen, Amazon entwickelt on demand Longtail-Angebote aus Kombinationen von Warenverkäufen und Interessensprofilen, spreadshirt lässt seine Produkte vom Kunden designen und bewerten und produziert danach.

In einer Welt, in der die Kunden ihre Angebote selbst suchen und konfigurieren, sich informieren wie nie zuvor, sich von Freunden und Bekannten Rat holen, sich in Blogs, Foren und Communities austauschen, sollten auch die Banken neue Wege gehen.

Anders ausgedrückt heißt das: Die Kunden segmentieren sich selbst! Man muss ihnen dazu aber die Gelegenheit geben. Dafür erhalten sie dann z.B. ein maßgeschneidertes individuelles Paket mit eigenen Gebührenstrukturen, Basisdiensten und tiefer gehender Anlageberatung. Die Technologien und Services hierfür sind längst verfügbar.

DIE Bank der Zukunft wird es wohl nicht geben, aber die Bank von heute wird es in Zukunft auch nicht mehr geben. Die Diskussion in xing ist weiterhin im Gange.

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Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28
<br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> Ist die Filiale das kleinere Übel? Kunden kaufen ungern Finanzprodukte online
Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
http://www.bank-zweinull.de/2007/09/11/die-filiale-als-das-kleinere-uebel-deutsche-kunden-kaufen-ungern-finanzprodukte-online/
Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
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Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14
Tue, 11 Sep 2007 16:26:33 +0000
Martina Goehring
Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_add_tags_to_rss() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57
BankentestForrester Studymanager magazin http://www.bank-zweinull.de/2007/09/11/die-filiale-als-das-kleinere-uebel-deutsche-kunden-kaufen-ungern-finanzprodukte-online/ Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/coolplayer/coolplayer.php on line 134

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/coolplayer/coolplayer.php on line 135

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Nach wie vor kauft die Mehrheit der Deutschen Finanzprodukte nicht übers Internet sondern direkt in einer Bankfiliale oder per Telefon. Dabei hat diese Mehrheit in der Regel einen Netzzugang. Der Hauptgrund ist, dass sie die Bestätigung einer “realen” Person suchen, nutzerrelevante Informationen im Netz nicht finden, keinen Vorteil darin sehen und dem Internet nicht so richtig trauen, vor allem, wenn persönliche Daten abgefragt werden und manchmal ist es auch einfach zu kompliziert.

Das ist das Ergebnis der Studie von Forrester “Why Europeans Don’t Buy Financial Products Online” vom Juni 2007. Diese kann nach Registrierung kostenlos erworben werden.

Im Detail sehen die Gründe für den Untersuchungsbereich in Deutschland wie folgt aus:

  • 48% wollten das Produkt mit einer Person abklären, zum einen damit es exakt den Bedürfnissen entspricht. Zum zweiten konnten nicht ausreichend Informationen im Netz dazu gefunden werden.
  • Ein Drittel der deutschen Nutzer sehen keinen direkten Vorteil im online Abschluss und empfinden die Filiale bzw. das Telefon bequemer und vertrauter.
  • 23% hatten Sicherheitsbedenken, wenn sie ihre persönlichen Daten an ein Institut schicken sollten.
  • 19% kauften die Produkte über andere Kanäle. Meist sind es direkte Marketingbemühungen von Bankmitarbeitern und direkten Ansprechpartnern.

Forrester liefert auch ein paar Empfehlungen für IT-Services um die Konversionsraten im online Marketing zu verbessern:

  • Interaktive Hilfen durch Feedbackkanäle.
  • Vertrauen schaffen durch Zertifikate.
  • Promotion des online Kanals durch die schnellere und günstigere Anwendung.

Die Filiale als das kleinere Übel?

Auf der einen Seite wählen die Kunden zwar die Filiale auf der anderen Seite sind 70% der Bankkunden mit deren Leistungen sehr unzufrieden. Das hat die Unternehmensberatung Booz Allen Hamilton in einer Studie herausgefunden. Die Studie zeigt, dass die Investitionen der deutschen Banken in neue Vertriebskonzepte und Produkte “nicht ausreichend” waren. Nach wie vor gibt es

  • unangepasste Beratung und fehlende Kompetenz,
  • unverständliche Produkte,
  • schlechte Verzahnung zwischen den einzelnen Vertriebskanälen Telefon, Filiale und Internet,
  • mangelnde durchgehende, langfristige Begleitung durch den Kundenbetreuer,
  • Fehlen von Ansprechpartnern bei Fragen im Online-Banking,
  • fehlende Differenzierung der verschiedenen Kundensegmente,
  • Vernachlässigung des Segments der 3 bis 5 Mio. gehobenen Privatkunden mit einem Vermögen zwischen 100000 und 500000 Euro, obwohl es mit über 600 Mrd. Euro fast ein Drittel der investierbaren Vermögenswerte bildet.

Auch die Ergebnisse des aktuellen Bankentests des manager magazin mit über 6000 befragten Kunden sind ernüchternd, “die Liste der Ärgernisse ist beinahe endlos - und die Fantasie der Finanzfirmen beim Abrechnen von Gebühren kennt kaum Grenzen”.

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http://www.bank-zweinull.de/2007/09/11/die-filiale-als-das-kleinere-uebel-deutsche-kunden-kaufen-ungern-finanzprodukte-online/feed/

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Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

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Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28
<br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> Die Bankfiliale der Zukunft
Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

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http://www.bank-zweinull.de/2007/06/28/die-bankfiliale-der-zukunft/
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http://www.bank-zweinull.de/2007/06/28/die-bankfiliale-der-zukunft/#comments

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Thu, 28 Jun 2007 08:37:24 +0000
Martin Engstler
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Bank+ZukunftBankingBranch BankingPaperlessTicketing http://www.bank-zweinull.de/2007/06/28/die-bankfiliale-der-zukunft/ Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/coolplayer/coolplayer.php on line 134

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buz_logoDie »Filiale der Zukunft« fördert innovative Wege der Kommunikation zwischen Menschen, ohne dabei den wirtschaftlichen Nutzen von automatisierten Prozessen aus dem Auge zu verlieren. Durch die Inszenierung neuer Formen der Begegnung von Bank und Kunde wird die Basis zur Vertriebsintensivierung und für neue Vertriebsansätze geschaffen.

Blick in den Show Case des IAO


Die Filialtrends der Banken:

Differenzierung von Filialen

  • Leuchtturmprojekte (z.B. City-Center, Zukunftsfilialen)
  • Orientierung am Handel (z.B. Marktplätze, Marktstraßen)
  • Produkt- / Themenfilialen (z.B. Privatkredit-Shops)
  • Neue Wege im Private Banking (z.B. Beratung im Hotel)

Filialen als Lernfeld für Kunden und Mitarbeiter

  • Experimentierfilialen, Lernstätten
  • Virtuelle Filialen (z.B. in Second Life)

Filialen der Kommunikation

  • Initiierung & Inszenierung von Kundenkontakten
  • Identität der Bank (Branding, Werteorientierung)
  • Neue Kommunikationsinhalte (Preise, Zusatzleistungen, Bonusmodelle, Clubmodelle)
  • Emotionaler Bezug zum Herkunftsland (Auslandsbanken)
  • Zielgruppenansprache: Förderung von Communities (z. B. Jugendbank als Clubmodell)

Im Innovationsforum »Bank & Zukunft« wurden vier Filialszenarien als Show Case entwickelt, in denen die Interaktion von Bankkunde und Bankmitarbeiter in den Mittelpunkt des Gestaltungsansatzes gestellt wurde. Innovative Technologien sind dabei wichtige Prozessbegleiter. Im Show Case »Bank & Zukunft«, den das Fraunhofer IAO gemeinsam mit Bankpraktikern und IT-Spezialisten in der Rosensteinstraße in Stuttgart realisiert hat, sind diese Interaktionskonzepte bereits heute erlebbar.

Die Highlights im Show Case:

  • »Virtuelles Ticketing« – Mehr Transparenz und optimierter Kundenservice.
  • Stöbern erwünscht – »Greifbare« Produkte und »reales Ticketing« als Kundenmagnet.
  • »Offene« Diskretion in der Beratungssituation kein Widerspruch.
  • Erhöhte Beratungsqualität durch Integration »rollenprofilorientierter« Portallösungen.
  • »Paperless Branch« – Vertragsfixierung im Zeitalter der Digitalisierung.
  • Kundenerfassung im Zeichen von »Servicekomfort« – »Sicherheit« – »Wirtschaftlichkeit«.
  • »Situationsspezifische Collaboration« durch technologiegestützte Expertenintegration.
  • Innovative Displaytechnologien zur medialen Produkt- und Informationspräsentation.
  • »Branch within the branch« – Modulares Raumkonzept.
  • »Prozesslabor« zur Demonstration und Evaluierung innovativer Prozesse und IT-Infrastrukturen mit Anwendern und Kunden.

Sie können den Showcase gerne besuchen. Vereinbaren Sie einfach einen Termin mit uns.

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<br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> Innovationstage am IAO: Banken zukunftsfähig machen
Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

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Tue, 29 May 2007 08:40:56 +0000
Martin Engstler
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buz_logoAuf den Innovationstagen »Bank & Zukunft« des Fraunhofer IAO am 21. und 22. Mai 2007 veranschaulichten Experten unter dem Leitthema - Industrialisierte Prozesse und Szenarien für den Finanzvertrieb - praxisnah, wie Banken mit den erwarteten drastischen Strukturveränderungen im Markt am besten zurecht kommen und welche Innovationspotenziale künftig zu erschließen sind. Hier soll eine kurze Zusammenfassung der beiden Tage gegeben werden.

Eröffnung des Show Case »Bank & Zukunft« durch Prof. Spath
Am ersten Veranstaltungstag eröffnete Institutsleiter Prof. Dr. Dieter Spath den Show Case »Bank & Zukunft«. Die Gäste konnten gemeinsam mit den Experten des Fraunhofer IAO einen Blick nach vorn wagen und neue, Erfolg versprechende Filialkonzepte kennen lernen. Der Show Case »Bank & Zukunft« ist ein hoch modernes Demonstrationsumfeld, in dem zukünftige Filialszenarien in Banken vorgestellt und veranschaulicht werden können. Das neuartige Konzept ermöglicht nicht nur eine detaillierte Betrachtung einzelner innovativer Interaktionsschritte, sondern auch eine umfassende Analyse der Prozesskette im Bankvertrieb. So können neue Technologien bereits vor ihrem Einsatz in der Filiale im Show Case auf ihre Funktionalität und Effizienz getestet werden.

Die im Show Case »Bank & Zukunft« inszenierten Vertriebsprozesse greifen die Ergebnisse der Trendstudie »Bank & Zukunft 2007« auf, die bis 2015 drastische strukturelle Veränderungen in der Finanzbranche prognostiziert. Schon in 2007 werden die Anforderungen an die Kreditinstitute merklich größer: Als zentrale Herausforderung sehen rund 90 Prozent der befragten Kreditinstitute einen verschärften Preiswettbewerb bei Standardprodukten, dicht gefolgt von den steigenden Erwartungen an die Beratungsqualität, die sich u. a. auf einen immer besseren Informationsstand der Kunden zurückführen lassen. Um ihre Position im Wettbewerb langfristig halten zu können, müssen Finanzdienstleister sich bereits heute auf die neuen Rahmenbedingungen und Anforderungen des Marktes einstellen und entsprechend vorbereiten.

Im Rahmen des Innovationsforum »Bank und Zukunft» wurden zusammen mit Experten aus der Bankpraxis Lösungsansätze entwickelt, die eine Analyse und Optimierung der Prozessketten sowie veränderter Rollenprofile der Bankmitarbeiter in innovativen Filialszenarien unterstützen. Veranschaulicht wird dies am Beispiel der dort umgesetzten Szenarien »Community-Banking« und »Life-Assistance-Banking«, die im Show Case hautnah erlebbar sind.

Verleihung des IBM SUR-Awards durch Erwin Jung
Im Rahmen der Veranstaltung wurde Prof. Dr. Dieter Spath, Institutsleiter
von Fraunhofer IAO, für die herausragenden Forschungsarbeiten im Innovationsforum »Bank & Zukunft« mit dem IBM Shared University Research (SUR) Award ausgezeichnet. Übergabe des SUR-Awards an Prof. Dr. Spath durch Erwin Jung, IBM (Quelle IAO)

Mit diesem Förderpreis stellt IBM weltweit ausgewählten Hochschulen Hard- und Software zur Verfügung, um Forschungsprojekte von gemeinsamem Interesse zu unterstützen. Mit der Kooperation auf einem gemeinsamen Interessensgebiet soll der Wissenstransfer zwischen den jeweiligen Forschungs- und Entwicklungsabteilungen ausgebaut werden. IBM vergibt jährlich etwa 50 SUR-Förderpreise weltweit.

Auszeichnung der Preisträger »Geschäftsstelle des Jahres 2007« durch gi
Ein weiteres Highlight der Veranstaltung war die Auszeichnung der Preisträger »Geschäftsstelle des Jahres 2007«, der von der Zeitschrift »geldinstitute« des Holzmannverlags nur alle zwei Jahre ausgeschrieben wird. Martin Engstler vom Fraunhofer IAO war Mitglied in der Jury und maßgeblich an der Auswertung der Fragebögen beteiligt.

Den 1. Platz teilen sich die Deutsche Bank Privat- und Geschäftskunden AG mit ihrer Filiale »Q110 – Die Deutsche Bank der Zukunft« in Berlin sowie die Sparkasse im Landkreis Schwandorf mit ihrer Kooperation im City Center. Den zweiten Platz belegte die Sparkasse Hagen für die Gestaltung des Sparkassen-Karree. Auf Platz 3 kam die Sparkasse Siegen für ihr Kundenzentrum im Sieg-Carré. Als bestes internationales Konzept wurde die Crediveneto Montagnana für die Restaurierung und den Ausbau des Palazzo Orti Manara zur modernen Filiale ernannt. Herr Erwin Ströbele, Chefredakteur der Zeitschrift Geldinstitute beglückwünschte alle Preisträger und kündigte an, in 2009 wieder einen Wettbewerb auszuschreiben.

Fachtagung zeigt Trends und Strategien für die Bank der Zukunft
Am zweiten Veranstaltungstag rundeten interessante Vorträge sowie Themenworkshops und geführte Besuche im Show Case »Bank & Zukunft« das Programm der Innovationstage ab und gaben den über 110 Teilnehmern einen Überblick über Zukunftstrends und erfolgreiche Umsetzungsbeispiele aus der Praxis.

Teilnehmer Fachtagung (Quelle IAO)

Prof. Dr. Spath referierte über »Industrialisierte Prozesse und Szenarien für den Finanzbetrieb – Bausteine für die Bank der Zukunft«. In seinem spannenden Referat zeigte er Trends im Bankenmarkt auf und ermunterte die Teilnehmer, aus den Erfahrungen der Industrie zu lernen und diese Erkenntnisse in einen eigenen Weg der Bankinnovation zu überführen. Dabei müssen sich die Banken künftig mehr mit Entwicklungen im gesamten europäischen Bankenmarkt auseinander setzen und daraus individuelle Strategien ableiten.

Herr Joachim E. Schielke, Vorsitzender des Vorstands der BW-Bank in Stuttgart, lud zu einem Vortrag mit dem Titel »Nah dran – die strategische Positionierung der Baden-Württembergischen Bank« ein und gab Einblicke in den aktuellen Strategieentwicklungsprozess der BW-Bank und deren Marktausrichtung.

Herr Rainer Zinn, Vice President Financial Services Sector der IBM Deutschland GmbH, hielt einen Vortrag über »Industrialisierung, Integration, Innovation – Erfolgswege für Banken«. Dabei fokussierte er insbesondere auf die Chance und Notwendigkeit der kooperativen Innovationsstrategien, die sowohl Partner als auch Kunden als Innovationstreiber integrieren müssen.

In den parallelen Foren am Nachmittag wurden dann Erfahrungen in der Umsetzung der »Industrialisierung« sowie innovative Lösungen und Szenarien im »Vertrieb« anhand von Praxisberichten vertieft.

Im Forum »Industrialiserung« zeigte Herr Jörg Rösemeier, Geschäftsfüher der KSC GmbH in Hamburg, wie durch die Gestaltung und Nutzung eines Service Centers neue Möglichkeiten zur Optimierung der Back-Office-Prozesse genutzt werden können.

Im Anschluss daran gab Herr Uwe Bröker, Geschäftsführer der S&N AG in Paderborn, einen Einblick, welche Potenziale zur Dynamisierung und Flexibilisierung von Geschäftsprozessen durch die Nutzung service-orientierter Architekturen ermöglicht werden.

Zum Abschluss des Forums »Industrialisierung« zeigte Herr Frerich-Weers Bremer, Geschäftsführer der Nord/IT in Hannover, wie sich am Beispiel eines Kreditprozesses industrielle Prinzipien für die Gestaltung und Prozessintegration nutzen lassen und dadurch neue softwarebasierte Anwendungen für Banken entstehen.

Im Forum »Vertrieb« begab sich zunächst Herr Michael Allen, Geschäftsführer von Allen International in London, mit den Teilnehmern auf eine virtuelle Reise und stellte innovative Filialkonzepte aus acht Ländern vor, bevor er abschließend noch eine Vision (»What if…«) eines Banksupermarkts vorstellte.

Herr Dr. Ewald Maier, Vorsitzender des Vorstands der Sparkasse Forchheim, berichtete über die Erfahrungen, die der Preisträger des Wettbewerbs »Geschäftsstelle des Jahres 2005« nun in über zwei Jahren des praktischen Betriebs sammeln konnte. Dabei zeigte sich, dass der Mut zu Innovationen vom Markt mit wirtschaftlichen Erfolgen belohnt wird.

Abschließend gab Frau Alexa Schulz, Projektmanagerin bei der Commerzbank AG in Frankfurt, einen Einblick in die Filialstrategie einer großen Geschäftsbank und berichtete über das Change Management bei den bereits umgestellten Filialen in der Fläche.

Im Schlussfazit stellte Martin Engstler von Fraunhofer IAO fest, dass der Mut zu Innovationen kombiniert mit einem modernen Prozessmanagement den Schlüssel zum Vertriebserfolg darstellt. In diesem Zusammenhang gilt es sowohl den Kunden wie auch den Mitarbeitern ein Lernen im Umgang mit innovativen Ansätzen zuzugestehen.

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Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28
<br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> Bank & Zukunft
Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
http://www.bank-zweinull.de/2007/05/21/bank-zukunft/
Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
http://www.bank-zweinull.de/2007/05/21/bank-zukunft/#comments

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14
Mon, 21 May 2007 21:33:39 +0000
Martina Goehring
Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_add_tags_to_rss() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57
BankingInnovationQ110 http://www.bank-zweinull.de/2007/05/21/bank-zukunft/ Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/coolplayer/coolplayer.php on line 134

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/coolplayer/coolplayer.php on line 135

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/formatting.php on line 74

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_the_content_filter() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 669

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 669

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 670

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 670

Bank2.0_LogoHeute war der erste Tag der Innovationstage “Bank & Zukunft-Industrialisierte Prozesse und Szenarien für den Finanzvertrieb” in Stuttgart, durchgeführt vom Fraunhofer IAO. Das IAO bekam einen der bekannten Shared University Forschungspreise der IBM (SUR Award) für ihr Projekt Innovationsforum Bank und Zukunft. Gratulation!

Des weiteren wurden von der Zeitschrift gi geldinstitute die innovativsten Geschäftsstellen von Banken prämiert.

Alle Konzepte haben im Grunde denselben Kern. Sie wollen den Kunden wieder in die Filiale holen, um ihn durch Erlebnisse, Events und Begegnung stärker an die Bank zu binden. Das Prinzip ist bei allen ähnlich, im Detail unterscheiden sie sich je nach Standort und Dienstleistungsangebot. Das Prinzip ist: die Bank bzw. Sparkasse kauft oder baut Gebäudekomplexe, vermietet einen Großteil weiter an Handel, Restaurants, Reisebüros, Agenturen und andere Dienstleister und stellt sich inmitten einer Kette integrierter Dienstleistungen mit den entsprechenden Kooperationspartnern neu auf und passt sich auch an die örtlichen Öffnungszeiten an. Die Bank übernimmt eine neue Verantwortung innerhalb dieser Kundencenter und wird zur Plattform für kommunale und regionale Veranstaltungen.

Das beste internationale Konzept ging an ein Geldinstitut aus Südtirol: Crediveneto Montagnana im Palazzo Orti Manara-Verona, was kaum verwundert. Wer kann schon einen kunsthistorischen Palazzo sein Eigen nennen. Hier wurden Antike und Moderne auf elegante Weise miteinander verbunden, so wird jede Stadtführung gleichzeitig zum Kulturbanking.

Die Bewertungen wurden zwar von einer Expertenjury und nicht von den Kunden vorgenommen, die Erfahrungen scheinen aber durchweg positiv zu sein. Nach Aussagen der Geschäftsstellenleitungen konnte nicht nur die Besucherzahl sondern auch die Umsätze erhöht werden. Die detaillierten Berichte werden in der Zeitschrift gi geldinstitute veröffentlicht.

Ein Aspekt soll hier besonders hervorgehoben werden. Die Sparkasse im Landkreis Schwandorf unterhält als innovatives Angebot für die Jugendbank einen Blog, der nach eigenen Aussagen bislang einmalig in Deutschland ist. Damit ist sie als eine der wenigen deutschen Banken in Web 2.0 aktiv. Gratulation!

]]>

Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
http://www.bank-zweinull.de/2007/05/21/bank-zukunft/feed/

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28
<br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> <br /> <b>Strict Standards</b>: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in <b>/homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/wp-feedstats/wp-feedstats.php</b> on line <b>188</b><br /> Ergebnisse der Studie Bank & Zukunft
Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
http://www.bank-zweinull.de/2007/02/26/ergebnisse-der-studie-bank-zukunft/
Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
http://www.bank-zweinull.de/2007/02/26/ergebnisse-der-studie-bank-zukunft/#comments

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14
Mon, 26 Feb 2007 07:15:37 +0000
Martin Engstler
Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_add_tags_to_rss() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57
http://www.bank-zweinull.de/2007/02/26/ergebnisse-der-studie-bank-zukunft/ Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/coolplayer/coolplayer.php on line 134

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/coolplayer/coolplayer.php on line 135

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/formatting.php on line 74

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_the_content_filter() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 669

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 669

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 670

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 670

“Bank & Zukunft”: Inhalte und Ergebnisse der aktuellen Studie von Martin Engstler, Fraunhofer-IAO-BUZ

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Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 75

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/link-template.php on line 89
http://www.bank-zweinull.de/2007/02/26/ergebnisse-der-studie-bank-zukunft/feed/