科技及创新的零售银行业务分布[文献翻译]

外文题目：Technology and innovation in retail banking distribution 出 处：James F. Devlin, (1995) "Tech

外文题目： Technology and innovation in retail banking distribution 出处： James F. Devlin, (1995) "Technology and innovation in retail banking distribution", International Journal of Bank Marketing, Vol. 13 Iss: 4, pp.19 -25 作者：James F. Devlin 原文： Technology and innovation in retail banking distribution Introduction The issue of distribution of retail financial services has received growing attention in the academic and professional literature as it has been hailed as an increasingly important factor in determining whether acompany competes effectively in its chosen markets (see for instance Chandler et al., 1984). In an increasingly competitive and deregulated environment, superior distribution strategies concerned with how to communicate with and deliver products to the consumer most effectively (Howcroft and Lavis, 1986), can provide institutions with competitive advantage in the marketplace. In effect, distribution provides the basis for differentiation rather than the core service itself. This article is concerned with developments in the distribution of retail banking services in the UK. More particularly, the emergence of home and telephone retail banking delivery systems will be highlighted, with the successful introduction of atelephone banking service by First Direct, asubsidiary of Midland Bank, being used as acase study to explore current developments. The move away from purely branch based distribution or delivery mechanisms has been precipitated by anumber of factors, on both the supply and demand sides, and these will be investigated in the first section of this article. The second section will then present an overview of the developments in delivery systems in banking services more generally. This sets the context for the more specific issue of direct distribution of retail banking systems which is discussed in section three. The case study of First Direct will then be introduced in order to illustrate how employment of adirect delivery system providing telephone banking to aspecific target market helped provide acompetitive advantage in that market. The final section presents asummary and conclusions. Developments in the distribution of retail banking services