technological innovation adds more competitive pressures. first, it opens up new delivery channels, and while those are not necessarily more cost effective for the firm, consumers get to depend on them and demand access. whereas in the past the bank branch was the only channel for the d**tribution of financial services, we see today a variety of channels eroding the branch’s dominance.科技创新增添了更大的竞争压力。首先,它打开了新的银行渠道,而尽管这些渠道对公司来说并不一定是成本效率更高的,但消费者可以依赖它们并要求使用它们。考虑到在过去,银行分行是唯一的提供金融服务的渠道,我们看到今天有种类繁多的渠道正在侵蚀着分行的支配优势。furthermore, as banks struggle with the technological **sues and complex organizational choices that surround the introduction of, say, pc banking services, they see the emergence of new compe**s.而且,由于银行与科技问题以及复杂的机构选择做斗争,它们看到了新的竞争者的出现,围绕网上银行业务的引入就是这方面的例子。off-the-shelf home finance software – such as intuit’s quicken and microsoft’s money – provide some of the services that were traditionally offered by banks, and radically transform the way in which the client interacts with the firm. 现有的家庭理财软件,例如intuit公司的quicken和微软公司的money,就提供了某些传统上由银行提供的服务,而且从根本上改变了用户与公司互动的方式。it ** not sufficient for the ceo of chase manhattan to be concerned about the competitive strategies of deutsche bank or banque nacionale de par**; he also has to ponder whether microsoft ** also a bank. 对于大通曼哈顿银行的ceo来说,关心德意志银行或巴黎国民银行的竞争策略是不够的;他还必须考虑微软是否也是一家银行。the deloitte and touche study argues that technology revolutionizes the moving and storage of money and the d**tribution of financial products, and more complex software permits more integrated automation. 德勤会计师事务所论证说,科技使得钱的流动和储存,以及金融产品的营销**化,而且更复杂的软件可以达到更加整体的自动化。 however, the complexities of large software projects create some of the scale effects that reshape the industry. 可是,大的软件项目的复杂性产生了一些使行业得以改造的规模效应。it ** likely that new entrants, better equipped with state-of-the-art technology than current banking giants with 1970’s technology, can quickly achieve leadership in the retail banking field. 很有可能,比拥有1970年代技术的、现有的银行业务巨人配备更新技术的新成员可以碍零**业务领域迅速达到领导地位。bank executives who w**h to maintain their firm’s franch**e should be aware of microsoft’s and other firms’ acqu**itions in the area of financial software and network management,and their active interest in possibly buying a bank. 那些希望保持自己公司特权的银行行政长官应该意识到微软和其他公司在财务软件和网络管理领域的收购行为,以及它们可能收购银行的积极兴趣。 20210311
i am very fond of reading,in th** era of读图,reading in particular,more precious,because reading ** progress,and to broaden our horizons.people would be a long time not reading ...
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my hometown - in jing county, located in a foot of huangshan, the beautiful town of **ing lake. extension of the town along a tributary of the yangtze river, a beautiful, simple folk, known as rice **...