IBM 秘魯零售商代理銀行解決方案個案

Abstract

以下論文是根據真實的IBM專案在祕魯執行的個案研究，這個專案以多國的層級在祕魯和南美洲地區執行，並著重在零售商的代理銀行解決方案，在市場探勘傳統銀行的解決方案上獲得廣大接受度，同時新的部門可以使零售商像是銀行分行那樣運作為社會獲利

秘魯IBM公司的專案目標是說明銀行使用軟體和硬體對零售商的好處及不僅改善傳統市場的傳統付款設備取而代之使用傳統的自動提款機(ATM)的理由。就幾家競爭者在市場拓展和維護上來說銀行可以降低成本。

這專案目前已經在秘魯執行且在當地銀行的同業銀行投入生產，同時創造出新的銀行同業零售銀行的市場部門

The following thesis will be based in the case study based in a real IBM project performed in Peru, which focus on the Agent Banking solution for retailers, which was implemented in Peru but also in the South America Region in a Multi-country level, gaining a great acceptance over the traditional banking solutions in the market exploring at the same time a new segment which make retailers can work as a Banking branch in benefit for the society.

The project's objective of IBM Peru was to demonstrate the benefits and reasons to use software and hardware for Banking for retailers as an improvement of not only to be a traditional payment device in the local market instead of using a traditional ATM (Automatic Teller Machines). By which banks can reduce their costs in terms of market expansion and maintenance over the competitors

This project currently is already implemented in Peru and put into production in the local Peruvian Bank called Interbank, creating at the same time a new market segment for them called Interbank Banking retailers.