When you open a bank card through the bank, the wealth management account manager can know the turnover of the large amount of funds in your card. During the morning work, the wealth management account manager can print out the personal customer information that had a large amount of transfer yesterday through the background of the branch. In addition, now the bank app has been very developed, and after the assets in your card have accumulated to a certain number, such as 200,000, 500,000, and 1 million, the wealth management account manager can also know.
Therefore, the financial manager is not as most people imagine, and any uncle and aunt who comes to the branch to open a card will do marketing. This is known as precision marketing. There is very little business that can be done on the account itself without money, and it is too difficult for a wealth manager to manage too many accounts. So their limited focus is on high-net-worth clients.
In addition, one of the more fashionable words in the past few years is user portraits. For the same high-net-worth clients with more than one million, different clients use completely different sales strategies and tactics for their portraits. For example, there is a person with a good educational background, who works in an investment bank as soon as he graduates at the age of 22, and his bank card salary is about 30,000 yuan per month. When financial managers see this situation, they can recommend some relatively high-risk and high-return **type**, because they are young and have a high risk appetite.
In addition, there is a personal old C, who has opened a card in the bank for many years, but the deposit has been zero, and suddenly one day a huge amount of 5 million money was credited to the card. At this time, the financial manager needs to communicate with the customer. There is a high probability that this money is a one-time income from the sale of the house. The risk appetite of the old C is very low, and if you do not plan to buy a house for the time being, you can allocate some structured bank wealth management, with low volatility and flexible redemption.
A little deeper, there are many enterprises that banks can cooperate, not only traditional financial institutions such as insurance and trust;They also cooperate with real estate and car companies. Banks can monitor the cash flow of their customers, and once they have gained the trust of their clients, they can sell them houses and cars.
From the perspective of financial account managers, this position can actually be done by many people, because the skills are uniformly trained, and if the location of the branch is good, there is a perfect customer base building. The differentiation is reflected in the fact that it gives people the feeling of whether they are practical and reliable, and whether they know how to empathize when configuring products.
From our perspective as customers, if you really don't want to be snooped on by the bank, one way is to transfer the funds to Alipay. Because there is no doubt that Alipay does not have a financial manager, even if you deposit millions in it, there are not many people who will give you **sales**, insurance, cars, and real estate. At most, Alipay's AI assistant will make some personalized recommendations for you.
In the web3 world, accounts are encrypted by elliptic curves, and no one can see your assets without a private key. But privacy and platform security can't be both. Although from the perspective of privacy, web3 wallets, third-party financial management apps, > banks;But from the perspective that the platform will not go bankrupt, it will be the other way around: the bank's third-party financial management app > web3 wallet. Ultimately, customers have to strike a balance between privacy and platform security.