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 » Vertrieb 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 /> Banking 2.0 Lernen mit Social Software - Teil 2
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/2010/02/04/banking-20-lernen-mit-social-software-teil-2/
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/2010/02/04/banking-20-lernen-mit-social-software-teil-2/#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, 04 Feb 2010 07:03:14 +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
Enterprise 2.0InnovationLernenTwitterZürich http://www.bank-zweinull.de/2010/02/04/banking-20-lernen-mit-social-software-teil-2/ 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

Logo der Fachhochschule NordwestschweizIm Workshop Teil 2 zum Thema  “Banking 2.0- Lernen mit Social Software” veranstaltet von der Uni Zürich und der Fachhochschule Nordwestschweiz haben wir die Einsatzpotenziale von Web 2.0-Anwendungen in typischen Lernsituationen in einem Unternehmen diskutiert. Einige Diskussionspunkte werden hier zusammengefasst:

Web 2.0 im Vertrieb

Es wird trotz grundsätzlich kritischer Betrachtung des Themas ein hohes Potenzial im Vertrieb und bei den Bankenberatern gesehen. Da geht es einerseits um das Wissen für aber auch über den Kunden und andererseits um das Wissen, das die Bankberater benötigen, um qualitativ hochwertige Dienstleistungen liefern zu können. Letztlich geht es hier um eine laufend aktuelle Qualifizierung.

Je mehr komplexe Produkte und fachübergreifende Produktbouquets angeboten werden, desto weniger reicht das Wissen des Einzelnen aus, die Kunden umfassend zu bedienen. Dieses für eine umfassende Beratung notwendige Wissen können einzelne Berater nicht mehr selbst aufbringen. Das Wissen entsteht und liegt in den Netzwerken, sowohl in den Persönlichen, als auch in sozialen Communities, in denen sich Experten austauschen. Diese Netzwerke machen keinen Halt an der Unternehmensgrenze. Umso wichtiger werden daher auch die Aspekte zur Kultur, Regeln und Reputation (siehe Teil 1). Für einen guten Vertrieb und eine exzellente Beratung müssen Wissensnetzwerke ein zentrales Thema für Banken werden.

Formales versus informales Lernen

Vielleicht weil es auch so schön einfach ist, wird hier oft die 80:20-Regel angewandt. Lernen findet zu 20% in formalen Kursen und 80% informell am Arbeitsplatz statt. Es gibt dazu viele Studien, die dieses Verhältnis auch belegen.

Web 2.0 ermöglicht es nun aber, diese Regel aufzubrechen. Zum einen dadurch, dass es vielfältige Formen der Nutzerbeteiligung zulässt und zum anderen durch das Mixen und Mischen von formal und informal. Wie muss man sich das vorstellen?

In formalen Lernprozessen werden Kommunikations-, Kollaborations- und Community-Möglichkeiten eingebunden, die adhoc Konversationen erlauben, eine situative Zusammenarbeit ermöglichen oder einen Experten zum gesuchten Thema schnell finden lassen.

Formales und informales Lernen verschmilzt zunehmend zu sozialem Lernen.

Gestaltungsaspekte für soziales Lernen

Betrachten wir Web 2.0 im Lernen, wird immer wieder die Frage gestellt: In welchen Bereichen von Lern- und Wissensprozessen können die Konzepte, Methoden und Technologien des Web 2.0 Unterstützung und Verbesserungen insbesondere durch Kommunikation, Kollaboration und Vernetzung bringen? Erste Gestaltungsaspekte wurden angesprochen:

  1. Lerninhalteproduktion mit Wikis und Microblogging, sozialen Medien unterstützen.
  2. Curriculum mit Wikis entwickeln.
  3. Individuell Lernen mit Blogs für das persönliche Wissensmanagement oder Communities für den Wissensaustausch.
  4. Gruppenlernen mit Kommunikation im Microblog, Vernetzung in Communities und gemeinsame Inhalteerstellung in Wikis.
  5. Seminare mit Twitter begleiten, um Nutzerinhalte einzubeziehen.
  6. E-Learning Inhaltedesign und –produktion mit Wikis und Microblogging.
  7. Blended Learning nicht nur ein Mix aus E-Learning und Präsenzphasen sondern erweitert durch “Web 2.0 Phasen” mit Blogs, Twitter, Microblogging, Communities und Wikis.
  8. Persönliche Lern- und Arbeitsprozesse mit einer Personal Learning Umgebung (PLE) am Arbeitsplatz unterstützen.
  9. Lernen und Wissensaustausch in Arbeitsteams mit Blogs, Twitter, Microblogging, Communities verbessern.

Meine Beiträge zur Veranstaltung

Kurzpräsentation zum Thema “Lernen mit Twitter”:

Zum Download auf slideshare.

Präsentation zum Thema “Banking Innovations und Einsatzpotenziale von Web 2.0″:

Zum Download auf slideshare.

Update vom 07.02.2010:

Eine kritische Bestandsaufnahme und Ergänzung des veranstaltenden Kollegen Matthias Rohs findet sich in seinem Blog 2headz. Er wirft die Frage auf:

“Kann man Banking 2.0 als Beschreibung für den Einsatz von Web 2.0 in der Kundenkommunikation mit internem Lernen unter Einsatz von Web 2.0 verbinden oder gar gleichsetzen?”

Ein erfolgreiches Unternehmen ist auch ein lernendes Unternehmen. Das hat Peter Senge schon vor zehn Jahren mit der fünften Disziplin in The Learning Organisation nachgewiesen. Lern-, Wissens- und Bildungsprozesse im Unternehmen zu separieren von der Qualität im Arbeitsprozess, in der Führung oder vom unternehmerischen Handeln ist nicht zielführend, wenn ein lernendes Unternehmen auch ein erfolgreiches Unternehmen sein soll.

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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 /> Die Bank 2015
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http://www.bank-zweinull.de/2010/01/23/die-bank-2015-2/
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http://www.bank-zweinull.de/2010/01/23/die-bank-2015-2/#comments

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Sat, 23 Jan 2010 18:54:05 +0000
Martina Goehring
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St.GallenStudie http://www.bank-zweinull.de/2010/01/23/die-bank-2015-2/ 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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CC Sourcing LogoWie sieht die Bank 2015 aus? Dieser Frage ging das Kompetenzzentrum Sourcing in der Finanzindustrie des Instituts für Wirtschaftsinformatik un des Schweizerischen Instituts für Banken und Finanzen der Universität St. Gallen sowie das Institut für Wirtschaftsinformatik der Universität Leipzig nach und befragte dazu 104 Universal-, und Privatbanken sowie Provider in Deutschland, Österreich und der Schweiz.

Sowohl die Ergebnisse der Studie als auch die zehn ergänzend durchgeführten Experteninterviews belegen zunächst bekannte Trends. So wollen sich Banken bis 2015 noch stärker auf ihre Kernkompetenzen Beratung und Vertrieb konzentrieren und strategisch wenig relevante Bereiche auslagern. Hierzu zählen IT oder Beschaffung, Ausführung und Abwicklung sowie Produkte und Kompetenzzentren, für die die Studie einen aktuellen Eigenfertigungsanteil zwischen 78 und 84% ermittelt hat.

Warum sollte diese Veränderung nun bis 2015 stattfinden? Hierzu vermitteln sieben in der Studie als Treiber und Veränderungsbereiche enthaltene Fragekomplexe einen genaueren Einblick.

Eine Zusammenfassung zu diesen sieben Bereichen findet man HIER.

Die Studie Transformation zur Bank 2015 kann zum Preis von 165,- Euro (250,.- CHF) unter bezogen werden.

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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
<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 /> Direktvertrieb im Internet nimmt an Bedeutung zu
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/2009/08/31/direktvertrieb-im-internet-nimmt-an-bedeutung-zu/
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/2009/08/31/direktvertrieb-im-internet-nimmt-an-bedeutung-zu/#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, 31 Aug 2009 17:16:08 +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+ZukunftDirect SalesDirektvertriebRankingSurveyWeb 2.0 http://www.bank-zweinull.de/2009/08/31/direktvertrieb-im-internet-nimmt-an-bedeutung-zu/ 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 aktuellen Ergebnisse der europäischen Bankenstudie des IAO haben mich interessiert unter dem Gesichtspunkt, was hat sich zum letzten Jahr verändert. Geht der Trend im Internetgeschäft auch bei den Banken weiter?

Ich habe dazu eine Art Ranking aufgestellt. Im Vordergrund des Vergleiches zwischen 2008 und 2009 sind die Direktvertriebsmaßnahmen, die die Banken planen. Die Fragen waren nicht exakt dieselben, so musste ich bei der Auswertung etwas improvisieren und aggregieren, aber die Trends finde ich durchaus spannend und ich hoffe, Martin Engstler wird mir diese kleine Manipulation nachsehen. 

Auffallend sind drei Trends:

Es gibt tatsächlich einen Trend ins Internet. Internetservices sind nicht nur auf Platz eins vorgerückt sondern auch die Nennungen haben sich prozentual verdoppelt.

Ranking von Direktvertriebsmaßnahmen

Mobile Banking, im letzten Jahr noch auf Platz eins, ist komplett abgefallen. Die Gründe dafür sind vermutlich: entweder wurde dieses Konzept umfänglich realisiert oder die Erfahrungen haben nicht das gebracht, was man sich davon versprochen hat, und es ist daher nicht mehr von hoher Bedeutung.

Virtual Banking (z.B. bekannt aus Second Life)  ist auf dem letzten Platz gelandet, allerdings waren letztes Jahr noch dreimal soviel Banken davon überzeugt, dass hier investiert werden muss.

Die Zahlen aus der Studie zu Web 2.0 sehe ich eher mit Zurückhaltung. Die Fragen dazu sind auch noch nicht sehr ergiebig. Da Studien aber, insbesondere, wenn sie von Fraunhofer durchgeführt werden, auch prägenden Charakter haben und Trends mit beeinflussen können, sehe ich die Empfehlung am Ende der Studie als Ermutigung zu diesem Thema an:

“New communication opportunities within the Web 2.0 are still of minor priority (for Banks). Banks have to gain experience by implementing these tools. “

]]>

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/2009/08/31/direktvertrieb-im-internet-nimmt-an-bedeutung-zu/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 /> European Trend Survey »Banks & Future 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/2009/08/31/european-trend-survey-banks-future-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/2009/08/31/european-trend-survey-banks-future-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

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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

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Mon, 31 Aug 2009 15:16:00 +0000
Martin Engstler
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Laut einer Studie von Faktenkontor glauben 60 Prozent finanziell geschädigter Anleger, dass ihre Bank keine Lehren aus der Finanzkrise gezogen und konkrete Verbesserungen umgesetzt hat. Bei den über 55Jährigen sind es sogar über drei Viertel, deren Vertrauen in Banken erheblich getrübt ist. So wird vermutet, dass die Wechselwelle unter den Instituten noch längst nicht vorbei ist.

Was machen die Banken tatsächlich, welches sind ihre Strategien in der Zukunft?

  • Über 70 Prozent der Banken bewerten das gewachsene Misstrauen in die Banken bzw. die gesamte Bankwirtschaft als strategische Herausforderung.
  • Die Studienergebnisse zeigen, dass die Banken ihre Pflichtaufgaben im Bereich des Risikomanagements (84 Prozent), des Qualitätsmanagements (66 Prozent) und
    Geschäftsprozessmanagements (64 Prozent) mit einer hohen Bedeutung verfolgen wollen.
  • Im Vertrieb besteht Konsens darüber, dass bestehende Kundenbeziehungen zu intensivieren und zunehmend auch die Neukundenakquisition zu verstärken sind.
  • Beim Thema Innovation hingegen bestehen noch viele Unsicherheiten. Neue Geschäftsfelder auszuloten, können sich in diesen Zusammenhang erst 25 Prozent der Banken vorstellen.
  • Innovationsmanagement (20 Prozent) und Kooperationsmanagement mit Wertschöpfungspartnern (10 Prozent) spielen hingegen noch immer eine untergeordnete Rolle als Managementstrategie.
  • In der eigenen Einschätzung sehen sich aber 51 Prozent der europäischen Banken bereits gut oder sogar sehr gut für die künftigen Herausforderungen gerüstet. 56 Prozent hatten diese Einschätzung vor der Krise.

Dies ist ein Auszug aus der aktuellen Trendstudie »Banks & Future 2009«, an der Bankführungskräfte aus 16 europäischen Ländern teilnahmen. Die Trendstudienreihe »Bank & Zukunft« von Fraunhofer IAO wird seit dem Jahr 2007 auch Europa-weit durchgeführt. Die detaillierten Ergebnisse der Studie gibts demnächst bei Bank und Zukunft.

]]>

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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 /> 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

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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

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Fri, 26 Jun 2009 11:33:24 +0000
Martina Goehring
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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

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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 /> Trendergebnisse der IAO-Studie 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/2009/05/29/trendergebnisse-der-iao-studie-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/2009/05/29/trendergebnisse-der-iao-studie-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, 29 May 2009 11:36:17 +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
Bank+ZukunftBanking StrategyStudie http://www.bank-zweinull.de/2009/05/29/trendergebnisse-der-iao-studie-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

Das Innovationsforum Bank&Zukunft des Fraunhofer IAO hat die neue Bankentrendstudie herausgegeben. Die herausragensten Trends sollen hier zusammengefasst werden. Herausragend bedeutet, dass mindestens 80% und mehr der teilnehmenden Banken diesen Punkt als eigene Strategie genannt oder für wichtig erachtet haben:

BUZ Trends

Zu den einzelnen Trends…
Vertriebsmanagement
Im Vertriebsmanagement stehen die Festigung der Kundenbindung und die Ausschöpfung des Potenzials von bestehenden Kundenbeziehungen an erster Stelle. Ziel ist es, dem Trend zunehmend »vagabundierender« Kunden bei bestimmten Bankprodukten durch eine individuelle Kundenansprache sowie Mehrwerte im klassischen Sinn einer Hausbank zu begegnen.

Direktvertrieb
Die hohe Marktdurchdringung im Bereich des Internetbanking sowie die Bedeutung des Mediums Internet bei Informationsprozessen wird von den Banken nun als Chance und Notwendigkeit bewertet, die Leistungen in diesem Vertriebsweg auszubauen. Vier von fünf Banken nannten bei den Investitionen im Direktvertrieb die Weiterentwicklung der Services im Internet an erster Stelle. Eine wichtige Rolle spielen dabei auch die Potenziale der Anwendungen des Web 2.0 für Kunden und Berater.

Industrialisierung
Das mit Abstand am wichtigsten bewertete Managementkonzept im Kontext der Bankenindustrialisierung ist das Benchmarking.

IT-Einsatz
Die Mehrheit der Befragten misst der Reduzierung der IT-Kosten insgesamt mit 82 Prozent die höchste Bedeutung zu. Damit reagieren die Banken auf die gegenwärtigen Entwicklungen und betrachten die IT primär unter monetären Aspekten. IT-Innovationen zur Steigerung der Ertragsseite treten demgegenüber in den Hintergrund.

Web 2.0 Einsatz
Knapp ein Viertel der Befragten hat ausgewählte Web 2.0 Lösungen im Pilot- bzw. Live-Betrieb. Dieses bedeutet eine Steigerung im Vergleich zur Trendstudie »Bank & Zukunft 2008«, im Rahmen derer 85 Prozent der Teilnehmer einen Einsatz zum damaligen Zeitpunkt verneinten. Bedeutung seitens der Befragten haben diese Technologien insbesondere im Zuge der Informationsbereitstellung. So bewerteten knapp 90 Prozent der Teilnehmer die Bedeutung von Anwendungen des Web 2.0 zur Informationsbereitstellung für Kunden als mittel bis hoch.

Ertragsquellen in 2015
Erstmals wurde in der vorliegenden Studie eine Einschätzung der Bankmanager zu den erwarteten Top-3-Etragsquellen einer Universalbank im Jahr 2015 erhoben. Für die Zukunft erwarten die Bankmanager keine radikalen Veränderungen in den Ertragsquellen. An erster Stelle von insgesamt zehn genannten Ertragsquellen stehen mit 86 Prozent der Nennungen Zinserträge und Konditionsbeiträge.

Vorbereitung auf die Zukunft
Die erwarteten Veränderungen im Bankenmarkt und in den Geschäftsmodellen der Banken werden von 84 Prozent der Befragten als kontinuierlicher Veränderungsprozess im Markt bewertet.

Die Zusammenfassung der Trendstudie ist in der Anlage als Download verfügbar.

Die Studie kann zum Preis von 65,- Euro im IAO-Shop erworben werden: Spath (Hrsg.), Engstler, Praeg, Vocke: Trendstudie Bank&Zukunft 2009 Innovationsstrategien in turbulenten Zeiten; Fraunhofer IAO, Stuttgart.

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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
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00:01:01 br / bStrict 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 ge br / bStrict 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 b188/bbr / br / bStrict 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 b188/bbr / br / bStrict 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 b188/bbr / br / bStrict 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 b188/bbr / br / bStrict 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 b188/bbr / br / bStrict 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 b188/bbr / br / bStrict 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 b188/bbr / br / bStrict 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 Leitartikel,,Internet,und,Banking,,Industrialisierung,,Vertrieb Martina.Goehring@centrestage.de no No

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 /> Statements von der Bankenfachtagung Bank und 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/2009/05/06/statements-von-der-bankenfachtagung-bank-und-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/2009/05/06/statements-von-der-bankenfachtagung-bank-und-zukunft-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
Wed, 06 May 2009 19:44:53 +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+ZukunftIBMSmava http://www.bank-zweinull.de/2009/05/06/statements-von-der-bankenfachtagung-bank-und-zukunft-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

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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: 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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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 /> Kundenkommunikation und Prozessoptimierung
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/2008/09/19/kundenkommunikation-und-prozessoptimierung/
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/2008/09/19/kundenkommunikation-und-prozessoptimierung/#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, 19 Sep 2008 13:51:30 +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
KommunikationProzessoptimierungStudieSurveyWeb 2.0 http://www.bank-zweinull.de/2008/09/19/kundenkommunikation-und-prozessoptimierung/ 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

Survey of celentDas Marketingargument, dass der Aufwand zur Neukundengewinnung vielfach höher ist als das Halten von Bestandskunden, muss zunehmend in Frage gestellt werden. Bestandskunden zu halten wird schwieriger. Die Kunden sind heute schneller bereit, ihre Bank zu wechseln, wie eine Untersuchung von celent innerhalb der Facebook Community zeigt (siehe Grafik). Ein Auszug aus den Ergebnissen:

  • In Summe würden 27% ihre Bank wechseln, wenn eine andere Bank sichere Web 2.0 Tools anbieten würde, um die persönlichen Finanzen zu managen; 73% würden nicht wechseln.
  • Bei der Altersgruppe zwischen 25-34 sind es allerdings 61%, die ihre Bank für Banking 2.0 Tools wechseln würde.

Während bei Bestandskunden auch die Erwartungshaltung, kostenlose Services zu erhalten, steigt, sinken die Kosten für Neukundenakquisition im Internet. Die Kunden bewegen sich zur Einholung von Informationen im Netz und treffen daraufhin ihre Entscheidungen. Die Konkurrenz liegt dabei nur einen Mausklick entfernt.

Für eine Bank bieten sich neue Chancen, ihre Beziehungen nach außen, zu Kunden, potentiellen Kunden und Shareholders zu verbessern, neue Services anbieten zu können, neue Geschäftsmodelle zu erproben, die Öffentlichkeit im Internet zum „Botschafter“ zu machen. Kundenkommunikation findet dabei auf vielfältige Weise statt:

  • im viralen Marketing: Marketingkampagnen, die dazu dienen, dass die Kunden die Informationen des Unternehmens selbstständig durch „Word-of-Mouth“ sozusagen virusgleich im Internet weitergeben. Banken sollten diese Möglichkeit nutzen, um positive Nachrichten schnellst möglich zu verbreiten und gute Produkte bekannt zu machen.
  • im „CrowdSourcing“: Nutzung der sogenannten kollektiven Intelligenz einer Gruppe oder Kundencommunity für gezielte Produktentwicklungen und Prozessinnovationen. Der Kunde wird sozusagen zum Mitarbeiter gemacht. Darunter versteht man die Kundenintegration in die Leistungs- und Vermarktungsprozesse eines Unternehmens. Der Dialog mit dem Kunden liefert Ideen, Tipps und Bewertungen für Design, Produktentwicklung und trägt zu Innovationen bei.
  • im „Longtail“-Geschäft: Durch Analysen und Auswertungen von Kundenempfehlungen, Warenkörben, Verkäufen und Nutzer-generierten Inhalten werden neue oder weitere Verkäufe und auch „Cross-Selling“ initiiert. Effekt hierbei ist, dass auch weniger bekannte Produkte und Nischenprodukte ihren Weg zum Kunden finden. Die Empfehlung eines zufriedenen Kunden wiegt höher als die Produktempfehlung eines Bankers.
  • im „Social Sales“: Hier geht es um neue Geschäftsmodelle im Online Vertrieb. Die Bank kommt zum Kunden z.B. in Communities oder auf Kundenwebsites. Die Bank ermöglicht Kunden-zu-Kunden Geschäfte z.B. im Kreditbereich und liefert selbst die sicherheitsrelevanten Transaktionsprozesse. Die Bank nutzt gezielt Kundenfeedback, Erfahrungen, Nutzerkommentare, Bewertungen oder Empfehlungen für den online Vertrieb, für Aktionsprogramme, in der Werbung oder um die Kunden gezielt wieder in die Filiale zu holen.
  • in der „CoCreation“: Bei der Schaffung komplexer Banken-übergreifender Angebote und gemeinsamer Servicekonfigurationen müssen Kunden-Lieferanten-Beziehungen mit dem Ziel der Supply Chain Optimierung aufgebaut werden. Ebenso wie bei der internen Kooperationen ist auch bei Banken-übergreifender Kooperation der Einsatz von Instrumenten zum Austausch und Teilen von Informationen und Wissen wie Wikis, Blogs und social Software nicht nur sehr hilfreich sondern derzeit auch ein Differenzierungsmerkmal zum Wettbewerb.
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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/2008/09/19/kundenkommunikation-und-prozessoptimierung/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 /> Die Investition in eine Geschäftsbeziehung beruht auf Gegenseitigkeit
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/2008/06/13/die-investition-in-eine-geschaeftsbeziehung-beruht-auf-gegenseitigkeit/
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/2008/06/13/die-investition-in-eine-geschaeftsbeziehung-beruht-auf-gegenseitigkeit/#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, 13 Jun 2008 14:17:40 +0000
Martina Goehring
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Banking StrategyKundensegmentierungSt.Gallen http://www.bank-zweinull.de/2008/06/13/die-investition-in-eine-geschaeftsbeziehung-beruht-auf-gegenseitigkeit/ 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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Wieviel Vertriebsaktivitäten und damit zusammenhängende Marketingmaßnahmen sind notwendig um Kunden zu akquirieren, zu halten oder Zusatzgeschäfte mit ihnen zu generieren?

Ohne eine ausreichende Bewertungsgrundlage können Unternehmen dabei Ressourcen verschwenden, falsch einsetzen oder aber erfolgreiche langfristige Geschäftsbeziehungen aufbauen. Dabei sollte die Geschäftsbeziehung ständig bewertet werden. Selbstverständlich wird eine Bank oder Versicherung immer eine Kundenbewertung vornehmen, Basel II erfordert dies auch.

Das St. Gallener Key Account Management Konzept (KAM) von Belz/ Müllner/ Zupancic geht aber weiter. Es bezieht auch die Kundensicht mit ein und berücksichtigt im Planungsinstrument die Kundenmeinung über den Anbieter (siehe Abbildung Key Account).

Bewertungen im St. Gallener KAM Konzept

In aller Kürze, wie ich diesen Ansatz verstanden habe:
Es werden beide Seiten einer Geschäftsbeziehung bewertet, dann in einem Strategieportfolio dargestellt. Die vorgeschlagenen Normstrategien bieten dann eine gute Basis um die geeigneten Stoßrichtungen für das eigene Unternehmen zu diskutieren und festzulegen (siehe Abbildung Strategieportfolio).

Strategieportfolio im St. Gallener KAM Konzept

Aus meiner Sicht ein spannender, nicht ganz unaufwändiger, aber laut KAM-Kunden im Bankenbereich, die dieses Modell bereits seit längerer Zeit anwenden, sehr erfolgreicher Ansatz.

Was wäre, wenn man Web 2.0-Mechanismen mit einbeziehen würde?

Bei Bewertungsmethoden geht es auch immer um den Erhebungs-Aufwand der erforderlichen Daten hinsichtlich Aktualität, Richtigkeit und Qualität. Insbesondere um Meinungen von Kunden zu ermitteln, betreiben Firmen in der Regel einen sehr hohen Aufwand. Dazu stehen ja auch viele Methoden zur Verfügung.

Andererseits sind Kundenbewertungen in der aktuellen Nutzendiskussion über Web 2.0 Anwendungen eines der am häufigsten diskutierten Argumente, da sie Chancen auf der Nutzerseite und Ängste auf der Anbieterseite erzeugen. Dennoch: In den social Communities, Foren und Blogs finden wir die ehrlichen Antworten. Vorteile von Kundenbewertungen unter Nutzung von Web 2.0 könnten sein:

  • Man könnte einen Teil der Erhebung „auslagern“, nämlich direkt von den Kunden/Nutzern selbst durchführen lassen.
  • Man bekäme „ehrliche“ Bewertungen direkt vom Nutzer.
  • Diese wären ständig aktuell.
  • Veränderungen über die Zeit wären erkennbar.
  • Man könnte die Stoßrichtung für Strategieanpassungen wesentlich schneller in Gang setzen, weil man direkt und sofort darauf reagieren kann.

Abbildungen entnommen aus dem Buch:
Belz, Christian/Müllner, Markus/Zupancic, Dirk (2008): Spitzenleistungen im Key Account Management: Das St. Galler KAM-Konzept, 2. Auflage, St. Gallen.

Eine Leseprobe und das Inhaltsverzeichnis finden Sie im Download am Ende dieses Posts.

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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

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00:01:01 br / bStrict 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 ge br / bStrict 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 b188/bbr / br / bStrict 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 b188/bbr / br / bStrict 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 b188/bbr / br / bStrict 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 b188/bbr / br / bStrict 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 b188/bbr / br / bStrict 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 b188/bbr / br / bStrict 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 b188/bbr / br / bStrict 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 Leitartikel,,Vertrieb Martina.Goehring@centrestage.de no No

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 /> Einsatz von Web 2.0 im Bankenvertrieb
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/2007/12/19/einsatz-von-web-20-im-bankenvertrieb/
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/2007/12/19/einsatz-von-web-20-im-bankenvertrieb/#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
Wed, 19 Dec 2007 16:43:05 +0000
Martina Goehring
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Zeitschrift Die Bank http://www.bank-zweinull.de/2007/12/19/einsatz-von-web-20-im-bankenvertrieb/ 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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Bank2.0_LogoProf. Thomas Bahlinger vom Kompetenzzentrum Finanzen der Georg-Simon-Ohm-Hochschule Nürnberg hat den Einsatz von Web 2.0-Diensten bei 28 deutschen Banken und Versicherungen und das Vorhandensein von Chats und Foren bei weiteren 71 Instituten in Deutschland, Spanien und den USA untersucht. Das Ergebnis wurde aktuell in der Zeitschrift Die Bank veröffentlicht.

Wir wollen hier die wichtigsten Aussagen aus seinen Trendergebnissen zusammenfassen.


Was machen Banken heute?

  • Undifferenzierte Vermarktung von Produkten und Services.
  • Im Fokus steht die Selbstdarstellung auf der Website.
  • Externe Dienste nur als Werbebanner durch die Bank selbst akzeptiert.
  • Einseitige Kommunikation von der Bank zum Nutzer über formulargestützte E-Mails.
  • Regelmäßige Analyse der Qualität der Website, aber mehr oder weniger systematisch.
  • Beauftragung von Marktforschungsunternehmen, die während einer genau eingegrenzten Zeitspanne Benutzer um eine Bewertung bitten und der Bank dann eine konsolidierte Auswertung darüber erstellen.
  • Kauf von Studien, die allgemeine Trends aufzeigen und zum Teil auch die eigene Website vergleichend einer Best-Practice-Lösung gegenüberstellen.

Was sollten Banken machen?

  • Verlinkungen auf Seiten anderer Anbieter.
  • Einbindung fremder Dienste.
  • Online Kommunikation von Kunden und Interessenten zur Bank über Web 2.0 (siehe unten „Wer macht schon was?“).
  • Banken sollten Blogs aktiv zur eigenen Stellungnahme nutzen.
  • Web 2.0 lässt sich hervorragend für das organisationale Wissensmanagement der Bank einsetzen.
  • Mit Website-Analytics 2.0 Services können die Nutzer jederzeit kurze und subjektive Bewertungen abgeben. Das Ergebnis wird für alle Nutzer sichtbar angezeigt. Die Banken erhalten so ein laufendes Nutzerfeedback.

Wer macht schon was?

Chats: Die SWK-Bank und die DEVK-Versicherung verfügen über einen Live-Chat. Die Deutsche Bank bietet zweimal im Jahr einen Chat für ihre Aktionäre an und stellt anschließend ein Mitschnittprotokoll öffentlich zur Verfügung.

Foren finden sich bei den Direktbanken Cortal Consors und Comdirect sowie bei Maxblue (Deutsche Bank). Um nennenswerte Netzwerkeffekte zu erzielen, sollten Banken vor allem Foren zu eigenen Produkten und Serviceleistungen einrichten und selbst als Experten an der Diskussion teilnehmen.

Blogs: Bei den untersuchten 28 Finanzdienstleistern sind vor allem Produkt-Blogs (bei 18%), Corporate Blogs (14%) und Experten-Blogs (11%) zu finden. Nur Quelle Bausparkasse bietet einen Mitarbeiter-Blog. Blogs sind damit wesentlich weiter verbreitet als Chats und Foren.

Communities können das Serviceniveau der Foren erhöhen. Cortal Consors und Comdirect nutzen Communities.

Social Bookmarking und Tag Clouds: Die Bank stellt zu den Inhalten auf der eigenen Website geeignete Links zu Bookmarking Sites zur Verfügung. Eigentlich aus Sicht der Bank eher unproblematische Dienste, da Kritik oder heikles Nutzerfeedback eher selten sind. Obwohl dadurch auch die eigenen Seiten bekannter und leichter gefunden werden, finden sich im Analysefeld trotzdem keine nennenswerten Beispiele.

RSS-Feeds: Der Einsatz von RSS-Feeds ist relativ aufwandsarm. Der Rückkanal vom Nutzer zur Bank besteht in diesem Fall im Abonnieren aktueller Informationen. Immerhin nutzt fast ein Drittel der Unternehmen im Untersuchungsfeld diese Möglichkeit der Informationsverteilung. In neuen Versionen der gängigen Internet Browser sind Feed Reader bereits eingebaut, so dass RSS-Feeds ein sehr mächtiges Instrument darstellen werden, Informationen zu interessierten Nutzern zu transportieren, und aus Benutzersicht viel effizienter als ein Newsletter ist.

Podcasts und Videocasts: Mehr als ein Drittel der untersuchten Unternehmen setzt bereits Podcasts oder Videocasts ein, die in Portalen wie YouTube eingestellt werden können. Die meist werblichen Botschaften der Bank verteilen sich so mit Hilfe der Nutzer im Web.

Als Fazit ein Zitat von Prof. Bahlinger:„Direktbanken sind innovativer im Umgang mit Web 2.0 als Filialbanken. Versicherungen sind verglichen mit den Banken noch zurückhaltender. Es besteht also ein sehr enger Zusammenhang zwischen der grundsätzlichen vertrieblichen Ausrichtung eines Instituts und der Handhabung von Web 2.0-Diensten.“

Die detaillierten Trendaussagen zur Web 2.0-Fähigkeit deutscher Banken und Versicherungen im internationalen Vergleich findet man bei bankenversicherungen.de und hier im Download.

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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
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