{"id":45941,"date":"2024-11-06T16:20:58","date_gmt":"2024-11-06T15:20:58","guid":{"rendered":"https:\/\/frankfurt-main-finance.com\/?p=45941"},"modified":"2024-11-27T16:49:00","modified_gmt":"2024-11-27T15:49:00","slug":"digital-banking-how-banks-can-gain-the-trust-of-customers","status":"publish","type":"post","link":"https:\/\/frankfurt-main-finance.com\/en\/digital-banking-how-banks-can-gain-the-trust-of-customers\/","title":{"rendered":"Digital banking: How banks can gain the trust of customers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"45941\" class=\"elementor elementor-45941 elementor-45452\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-250a84a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"250a84a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-73c1805\" data-id=\"73c1805\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47a7c21 elementor-widget elementor-widget-text-editor\" data-id=\"47a7c21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Deloitte study \u201cBuilding Trust in Digital Banking\u201d analyses how banks can strengthen consumer trust in their digital offerings and drive growth. The results show that personal contact still plays an important role, especially for more complex financial products. Although online banking is convenient and cost-effective, 68% of German bank customers prefer personalised advice. The challenge for banks is to balance the advantages of digital banking with customers&#8217; need for personal interaction and trust.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-821ea0c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"821ea0c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-615a9f9\" data-id=\"615a9f9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e1e98c3 elementor-widget elementor-widget-text-editor\" data-id=\"e1e98c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Younger generations tend to be more open to digital services, but there is still generally great potential to increase trust in online banking. The study identifies several possible courses of action for banks:<\/p><ul><li>Strengthening the brand: An established brand and a long company history have a trust-building effect, especially when combined with transparent communication.<\/li><li>Transparency: Open communication and easy-to-understand information about products and features create trust, especially for complex financial products.<\/li><li>Security: The fear of data misuse and cyberattacks must be actively addressed. Passwords are perceived as a more trustworthy security mechanism than biometric data.<\/li><li>Customer focus: Goodwill in the event of problems and transparent communication strengthen trust and show customers that their needs are taken seriously.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-af517b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"af517b6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6950ee7\" data-id=\"6950ee7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9bd2ea5 elementor-widget elementor-widget-text-editor\" data-id=\"9bd2ea5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The product category influences trust: For simpler products, such as credit cards, customers are more willing to take out a loan online, while more complex products, such as property loans, are still often taken out in branch. This trend is also evident with potential new contracts: while many customers would still open their current accounts in branch, the willingness to take out other products online has increased.<\/p><p>Knowledge promotes trust: Consumers with a good understanding about banking products are more confident in their decision-making and more willing to take out products online. Banks should therefore invest in education and the provision of information.<\/p><p>Trust as a growth driver: The study emphasises that trust not only increases customer loyalty, but is also an important factor for the growth of digital business. Almost a quarter of consumers would even be willing to pay higher fees for greater trust.<\/p><p>Read the study to find out how trust can be anchored in your business strategy and which target groups particularly benefit from it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e83a5cc elementor-cta--layout-image-left elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"e83a5cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url(https:\/\/frankfurt-main-finance.com\/wp-content\/uploads\/2024\/11\/Deloitte-Studie-Digital-Banking-.png);\" role=\"img\" aria-label=\"Deloitte Studie Digital Banking\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tBuilding Trust in Digital Banking\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tTrust as a growth driver in the digital private customer business\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"https:\/\/www.deloitte.com\/de\/de\/Industries\/financial-services\/research\/building-trust-im-digital-banking.html\">\n\t\t\t\t\t\tDownload now\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b17ca80 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b17ca80\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3d72254\" data-id=\"3d72254\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ac79aae elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-global elementor-global-6324 elementor-widget-divider\" data-id=\"ac79aae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Ebene_1\" data-name=\"Ebene 1\" viewBox=\"0 0 146.56 128.39\"><defs><radialGradient id=\"Neues_Verlaufsfeld_1\" data-name=\"Neues Verlaufsfeld 1\" cx=\"46.19\" cy=\"101.83\" r=\"113.81\" gradientUnits=\"userSpaceOnUse\"><stop offset=\"0\" stop-color=\"#fff\"><\/stop><stop offset=\"0.11\" stop-color=\"#fdfdf3\"><\/stop><stop offset=\"0.3\" stop-color=\"#f8f8d4\"><\/stop><stop offset=\"0.56\" stop-color=\"#efefa1\"><\/stop><stop offset=\"0.87\" 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243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tLinkedIn\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c488843 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c488843\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a18ea73\" data-id=\"a18ea73\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<div class=\"tmnf_excerpt\"><p>The Deloitte study \u201cBuilding Trust in Digital Banking\u201d shows that despite the advantages of online banking, German bank customers prefer personal contact for more complex financial products. Banks face the challenge of designing digital offerings in such a way that they strengthen customer trust and at the same time enable personal interactions.<\/p>\n<\/div>","protected":false},"author":7,"featured_media":45456,"comment_status":"closed","ping_status":"open","sticky":false,"template":"template-fullwidth.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[200,210],"tags":[840,373],"class_list":["post-45941","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-member","category-news","tag-digitalisierung-en","tag-studie-en"],"acf":[],"publishpress_future_action":{"enabled":false,"date":"2026-04-22 12:17:20","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/frankfurt-main-finance.com\/en\/wp-json\/wp\/v2\/posts\/45941","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/frankfurt-main-finance.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/frankfurt-main-finance.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/frankfurt-main-finance.com\/en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/frankfurt-main-finance.com\/en\/wp-json\/wp\/v2\/comments?post=45941"}],"version-history":[{"count":5,"href":"https:\/\/frankfurt-main-finance.com\/en\/wp-json\/wp\/v2\/posts\/45941\/revisions"}],"predecessor-version":[{"id":45961,"href":"https:\/\/frankfurt-main-finance.com\/en\/wp-json\/wp\/v2\/posts\/45941\/revisions\/45961"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/frankfurt-main-finance.com\/en\/wp-json\/wp\/v2\/media\/45456"}],"wp:attachment":[{"href":"https:\/\/frankfurt-main-finance.com\/en\/wp-json\/wp\/v2\/media?parent=45941"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/frankfurt-main-finance.com\/en\/wp-json\/wp\/v2\/categories?post=45941"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/frankfurt-main-finance.com\/en\/wp-json\/wp\/v2\/tags?post=45941"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}