Maybank targets mass affluent retail customers

去了它的网站，概念很不错。
用低成本设立kiosk,全天候服务尤其是在购物中心把该有的理财工具都放在一个户口里，省事又省事。工具包括储蓄，个人贷款，保险，还有我觉得最重要的ASB贷款。



ASB贷款主攻土族市场，简单来说就是MBB借钱给友族买ASB，然后用ASB高回酬来还利息之余，还有得赚那种。觉得如果大力宣传很多人肯定有兴趣。

当然这里不探讨为何ASB可以给那么高的回酬，让这个ASB贷款看起来是100%赚定的。我个人不鼓励埋怨政府政策，却支持大家从政策找出有利自己的康头。

共勉之 

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MALAYAN Banking Bhd (Maybank) is counting on its new offering, which bundles together seven financial products, to help it capture more mass affluent customers as it looks to strengthen its retail banking leadership at home.

Mass affluent customers typically earn about RM3,000 a month and are one of the more profitable customer segments for banks.

As it stands, 95 per cent of Maybank's retail customer base comprises the mass afluent.

The "Maybank One Solution" offering, which includes a personal savings account, personal loan and two other financing schemes as well as insurance, will be delivered only through kiosks located at popular shopping malls, hypermarkets and some of the bank's branches.
Maybank plans to have 33 kiosks by year-end from 23 now and will add another 45 next year even as it looks to expand the service to include Islamic banking products.

Kiosks are a cheaper and more convenient way for the bank to reach out to customers, according to president and chief executive officer Datuk Seri Abdul Wahid Omar.

The cost of setting up a kiosk, which averages RM40,000 each, is only about a fifth of that to set up a branch.

"It's a low-cost model for us. By doing this, we can sell on a low-cost basis and we can cross-sell products. Customers don't have to take all the seven products on offer... they are there, pre-bundled and can be activated now or in the future," he told reporters at the launch here yesterday.

The group will look at offering the service in its overseas markets such as Indonesia in two to three years.

According to its head of community financial services Lim Hong Tat, up to 95 per cent of some 400,000 personal accounts that open a year at Maybank in Malaysia comprise mass affluent customers.

"We'd like to try and convert at least 30 per cent to 40 per cent of these customers to Maybank One Solution," he said.

The service managed to attract 30,000 new customers, who elected for three-and-a-half products on average, when it was piloted at the bank over the last seven months.