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区块链是激活银行积分的月光宝盒吗?
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Topic: 区块链是激活银行积分的月光宝盒吗? (Read 120 times)
sorji
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区块链是激活银行积分的月光宝盒吗?
November 06, 2017, 11:00:44 AM
#1
银行积分的尴尬
积分,是一种集商家促销,吸引新用户,守住老用户的常见手段。不过,并不是所有商家的积分都那么有存在感。在电商平台,因其积分有一定的消费能力,颇受欢迎,而在一些电信运营商那里,他们的积分可以兑换流量和话费,多少也是很有些存在感。与电商和电信运营商的积分相比,银行积分往往在相当一部分人的眼里,显得不那么重要。中国银联电子研究院、国家工程实验室区块链研究总监严翔翔曾介绍说,2015年,中国的银行用户取得的积分总额约400亿,但仅有50%的积分被兑换。
另据媒体报道称,虽然银行的奖励积分是银行常用的提高用户忠诚度的营销手段,但由于积分使用的场景、方式往往受限,大部分消费者对银行积分并不关注。有数据显示,90%的用户根本不清楚自己的银行积分是怎么产生的,也不知道如何消费这些积分。甚至还有用户表示,银行可能是故意不让他们去消费这些积分,毕竟积分确实可以兑换一些实物奖品。
区块链是银行积分的月光宝盒吗?
作为一种提升用户忠诚度,帮助银行刷存在感的银行积分原来是如此的“消沉”。消费产生积分,那么积分也需要继续被消费,不然积分与用户的消费积极性无法形成良性循环,相当于“积分资本”是死的,不流动的。那么整个积分系统就是个摆设。那谁来拉他们一把呢?
区块链能否帮着解决银行积分的问题呢?或许可以的。不过,我们需要借助一点ICO的手段。
我们知道,银行之间的积分是有差别的,积分价值并不一致。
比如在某银行的积分商城里,1000积分可以兑换30元的电话卡,但在另一家银行需要2000积分。
因此,我们需要在区块链技术平台上设置代积分,这就类似于ICO的代币。比如区块链平台上1个代积分可以形成A银行的100积分,这100积分可以在A银行购买一条毛巾,而B银行的积分购买同一品牌同一规格的毛巾需要200积分,那么这家银行需要用200积分来兑换区块链平台上的1个代积分。
按照这个逻辑,我们可以将所有积分与平台的代积分形成有效价值对接。让积分通过该平台实现快速流转,银行积分更容易被消费,也才会更容易在受众之中获得品牌曝光度,积分价值更容易得到提升,积分系统也更容易提高用户忠诚度。
另外,为了消耗积分,建议平台设置一定数量的积分兑换手续费,但千万不要太高门槛,尽量地降低手续费,提升用户体验,因为你的价值是实现积分流转,其次才是盈利。况且积分市场庞大,稍微一点点,收益都是巨大的。
区块链技术防范银行积分风险
2015年,媒体在报道了一个利用寻租信用卡套取积分获利千万的真实案例。这其实也在给银行积分提个醒,如果银行积分确实能实现快速流转,且银行积分可以不断归结,那么积分的价值就更大,羊毛党们就闻着“肉味儿”来“打劫”积分了。区块链技术将安全、信用、透明,以及相对的“去中心化”的设定配置到积分系统中,可实现积分的有效追踪和异常排查,有效防范这些风险。
后记
互联网公司以“草根”的名义“绑架”了大量的财富,稀释了银行们的金融资源。他们凭着活用的技术与老道的手段,似乎真的让银行处于金融科技的弱势地位。如果区块链技术能让银行在积分领域形成一次大联合,扩充自己的场景,或许会是一个不错的反击机会。当然,我们不能完全指望一个积分就能干掉对手,未来已来,要做的事情还很多。
caicai@5
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Merit: 11
Re: 区块链是激活银行积分的月光宝盒吗?
November 08, 2017, 07:08:20 AM
#2
区块链由于透明度和防御性高在金融借贷、支付、银行领域很广
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
T H R I V E
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区块链是激活银行积分的月光宝盒吗?
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