Lean Banking là gì ?

The Banking market has become hyper competitive, all businesses are challenged with how to:

1. Improve service standards
2. Automate manual tasks
3. Attract and retain staff
4. Increase profitability
5. Stand out as a differentiator
6. Increase sales
7. Reduce cycle time
8. Drive customer loyalty
9. Reduce cost to serve and sell
10. Drive synergies
11. Reduce administrative burden
12. Improve shareholder value

LEAN Banking program is designed to create as much efficiency and profitability by "doing more - with less".

Less could mean:

• less cash collections and deliveries
• less physical cash held
• less down time
• less manual processes
• less paper produced
• less morale issues
• less checking
• less footsteps
• less inventory
• less errors
• less people
• less cost

The first step in any change program is to;

• clearly understand the end-to-end process and all the steps within that process
• facilitate workshops with the staff to map the process
• identify the steps
• time and cost the steps
• deemed what is value and what is deemed non- value
• introduce the philosophy of lean to all staff

Improvement programs are not launched using a "big bang" approach. It is important to slowly choose various single processes and improve those with the buy-in of the staff in order to create confidence in the workforce.

Lean Six Sigma Sample Projects

• Account Attrition

• Account Retention

• Active Account Review Process

• Back Office Credit Operations

• Branch Annuity Services - Phone Prductivity

• Branch Office Expense Reporting

• Branch Office Profitability

• Brokerage Transfer Cycle Time

• Call Duration Review

• Call Service Quality Evaluation

• Cash Vault Efficiency

• Check Deposit Errors

• Check Processing

• Client Retention Process

• Complaint Reviews

• Data Center Expense Reduction

• Decrease Amount Of Returned Mail

• Decrease Number Of Account Holds

• Decrease Percentage Of Staff Not Receiving Training

• Decrease The AR Payments With Cross Border Fees

• Deposit Processing Optimization

• Electronic Statement Delivery

• Eliminate Inactive Loans In Database

• Eliminate Unnecessary Paper Reports

• Elimination Of Invalid Bloomberg Terminal Charges

• Elimination Of Representative Assisted PIN Calls

• Foreign Debt Securities Accrued Interest Review

• Improve Cycle Time In Website Enrollment

• Improve Recovery Rate Of Charged-off Loans

• Incomplete Documentation

• Increase Market Call Success Rate

• Indirect Loan Processing

• Inaccurate Billing

• Late Terminations

• Legal Account Write-offs

• Low Balance Accounts

• Low Survey Score Call Back Process

• Miscellaneous Expenses

• Misdirected Call Reduction

• Mutual/ Money Fund Referral Call Reduction

• New Account Opening Branch Referral

• Overdraft Notice Review And Mailing Process

• Overnight Mail Expenses

• Procurement Card Usage

• Bill Payment

• Prospect To Client Enrolment

• Prospect To Client Experience

• Recruit Debrief Process

• Recruiting Billing Management

• Reduce Branch Office Rework

• Reduce Carded Term Deposits

• Reduce Check Defects

• Reduce Cycle Time In

• Account Conversion

• Reduce Defective Letters Of Offer

• Reduce Funding And Documentation Delays

• Reduce Loan Approval Hand-off Process

• Reduce Number Of Contacts Per Loan Release

• Reduce Payment Failures

• Reduce Personal Overdraft Write-offs

• Reduction In Re-documentation Occurrences

• Report Generation Process

• Representative Generated Client Correspondence

• Resident Manager Selection, Training And Retention

• Retail Lockbox

• Roles And Responsibilities

• Root Cause Of Insurance Complaints

• Sales Credit Reserve Reduction

• Statement Close Consolidation

• Trading Error Reduction

• Undeliverable Mail

• Unpriced Securities

• Vendor Management

• Wholesale Lockbox