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  3. When Metro Bank, which claims to be Britain’s first new high-street bank for

When Metro Bank, which claims to be Britain’s first new high-street bank for

游客2024-10-18  12
问题     When Metro Bank, which claims to be Britain’s first new high-street bank for more than 150 years, opens its first branch in inner London, customers will notice the candy jars and water bowls for dogs. But what really sets Metro Bank apart is its state-of-the-art IT system. New customers will be able to gel their account, chequebook, debit and credit cards within 15 minutes, and all the data for each customer will be kept in one place.
    That puts Metro Bank in an enviable position. IT at many other Western banks is often a mess of homemade systems. Banks were the first to use mainframes in the 1960s; many are still using the original applications because it is risky to swap them out. Over the years more and more systems have been slapped on. Banks were often profitable enough to afford big IT teams, writing programs themselves rather than buying off the shelf.
    As a result banks tend to operate lots of different databases producing conflicting numbers. Reported numbers for the bank’s exposure were regularly billions of dollars adrift of reality, he reports, finding the source of the error was hard.
    Many banks also do not have a "single view" of their customers, which would allow them to offer tailored products or simply serve them better. Most systems are organised around accounts, not people. A customer’s data are duplicated for each account, often in slightly different formats. This is why talking to a call centre can take forever as employees laboriously switch between applications to sort things out.
    Some banks, particularly the smaller ones, outsource their IT to providers such as Fiserv or use packaged software. Vendors range from well-known names, such as Infosys and Oracle, to specialised firms such as Temenos. Firms can offer better service as a result. It takes Vietnam’s Techcombank, one of the country’s fastest-growing banks, days to launch new products. It takes weeks for foreign rivals.
    A few big banks are trying to improve. When HSBC started a huge consolidation project called " One HSBC" in 2008, it operated 55 separate systems for core banking, 24 for credit cards and 41 for Internet banking. By the end of next year, says Ken Harvey, the bank’s chief information officer, it plans to have one "gold suite" of applications implemented globally. But most bigger banks are still grappling with how to move forward, according to Martin Whybrow of IBS Intelligence, a research firm. [br] If banks have a single view of their customers, their______will be improved.
选项 A、reputation
B、efficiency
C、influence
D、structure
答案 B
解析 推断题。由single view定位至第四段。由该段首句可知，这里指如果有整体概念的话，就会提供定制产品和提供更好的服务。之后对该句展开说明，从该段末句可以看出由于没有整体概念，导致效率低下，查询事情需要花很长时间，故B为答案。
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