?In daily study or work, we will have some experiences, and we can record our thoughts. Writing more experiences can help you become a more thoughtful person. Below is the "8 Bank Marketing Experiences" I have compiled for you. It is for reference only. I hope it can provide reference for you! 8 Bank Marketing Experiences (Part 1)
?As the saying goes: A year's plan begins with spring. March is the warm season, and it is also the season when we start to struggle. On this day full of hope, I walked into the big family of CITIC Bank and conducted a two-week internship. During the marketing process, I left many intriguing memories and gained many unforgettable experiences.
?First: Have professional business knowledge. We use the sales point marketing model. When we set up points at Carrefour, customers come to inquire about the use of relevant credit cards. Our marketing staff need to have good professional knowledge to answer customers' questions, whether it is from card application conditions to activation. Whether it is usage or repayment, you must know everything thoroughly before you can guide the customer to complete the subsequent operations.
?Second: Be fully confident and instantly gain the trust of customers. A qualified marketer must first have full self-confidence. Only by being confident in yourself can you give yourself a clear idea and introduce products to customers through fluent language. When marketing products, we need to make friends with customers and make them have a good impression of us. What you say when you first meet with a client is very important, and a good opening is often half the battle. Of course, instantly gaining customer favor and trust is not only reflected in the first meeting. During the conversation, the customer may be indifferent to the marketer for a long time, but changes in some details may win the customer's heart.
?Third: Make a plan for yourself to the best of your ability. Because point-based marketing is a common model used by many peers, customers will feel that it is not so new after seeing it too much. The key is to attract customers where the point is placed. In the process of marketing, I have been actively guiding customers. Although there have been many setbacks, I have also mastered many methods. And in order to avoid a blind positivity, I need to make a plan accordingly. Only by properly arranging every day's work can you get twice the result with half the effort. Fourth: Learn new knowledge from marketing failures. As the saying goes: Failure is the mother of success! In the marketing process, we often encounter all kinds of customers. Maybe you are lucky and meet a customer who is easy to talk to, but there are also times when you are unlucky and the customer specifically gives you a hard time. So if you fail many times, don’t be discouraged. We need to look for the root cause of the matter. Why did it fail? It was because of insufficient professional knowledge or inferior marketing skills. I hope you won’t make the same mistake next time. The above points are some of my experiences as a marketer. I believe that hard work will yield results, and persistence will lead to victory. Only by unremitting efforts, seizing the present, learning from the past, and creating the future, formulating a practical plan, and clarifying goals can we build our team better and make CITIC's tomorrow more brilliant. 8 Bank Marketing Experiences (Part 2)
?In order to allow our new employees to understand the company and adapt to the work faster, the bank credit card center has specially conducted new employee induction training. The emphasis on employee training reflects the company's strategic policy of "valuing talents and cultivating talents".
?The main content of this training is mainly an introduction to the company’s basic situation and the introduction of Minsheng Bank’s credit card series products, allowing us to understand the company’s basic operating procedures and the company’s corporate culture in the shortest possible time. , enterprise status, strategic planning and systematic company marketing concepts. Through this training, we have benefited a lot and gained a deep understanding.
?In this training, we have a deeper understanding of our jobs and the company's superior resources, so that we can adapt to our jobs faster and give full play to our initiative. While doing our job well, we should make full use of the company's superior resources to maximize the benefits for the company. The company's rapid development is also our personal development.
Through training, we understand what professionalism is, what values ??are, and many principles and methods for doing things for people. We can compare ourselves with our previous selves, recognize our own shortcomings, make timely improvements, and improve our future work and personal development. Development is very beneficial.
?Maintain a positive attitude towards work. I can do what others can do, and I will do better. This is a matter of belief. There is a lot of pressure in sales, mainly the pressure you put on yourself. Over time, you will feel tired. Also, when your performance is leading, you will relax your requirements for yourself, so you will be on track in your business. From now on, we should always keep in mind the wise saying of "The best in work is the result of hard work and the waste of play". You must not lose to yourself, and the most practical way to defeat yourself is action. Thinking, observation, planning, and strategies must be proven by actions. No matter how good the psychological quality is, it must be tested, tempered, and improved in practice reports. The brain operates in action, the heart realizes in action, and experience is accumulated in action.
?In terms of professional attitude, everyone should have an entrepreneurial heart. First of all, we must make it clear that we are not working for the company or the boss, but we are working for ourselves. We must believe To be able to do it yourself, you must have a very sincere heart, a pair of very hard-working hands, two very busy legs and a very free mood. This is especially true as employees in the credit card center. On the one hand, we must not stick to some traditional sales concepts and be good at breakthroughs and creative ideas. At the same time, we must focus on the overall situation and the team and not be too individual. Then we need to pay attention to methods in the process of doing things in the future, so that we can make our work more efficient, reduce unnecessary overtime, and do things better.
?Integrity is the cornerstone of maintaining the modern market economy and a bridge of communication with customers. When dealing with customers, we can only win by being sincere, consistent in words and deeds, caring about customers' needs, and thinking about what customers want. The customer's trust is exchanged for the customer's sincerity. In this way, we can better develop our bank's credit card business. Only by communicating regularly with customers, understanding their trends, and knowing their thoughts and desires can we adjust our marketing strategies in a timely manner, seize business opportunities, and seize the initiative in the fierce business war.
?For new salesmen, confidence and diligence are very important. As the saying goes, confidence and diligence produce genius, and the same is true for sales. We all know that nothing comes without hard work. We also know that our efforts will be rewarded. Therefore, in the sales process, we must constantly immunize ourselves, believe in ourselves, make ourselves more diligent, and use our super self-confidence to let customers know how good the reputation and products we sell are.
?Don’t look for reasons for failure, just find ways to succeed! 8 Bank Marketing Experiences (Part 3)
?In order to adapt to changes in domestic and foreign economic and financial situations, cultivate as soon as possible , Cultivating a group of high-quality retail banking talent teams is an important and urgent task for commercial banks to take effective measures to respond to the current financial crisis.
?1. Current status and countermeasures of retail business training of domestic commercial banks
?Currently, domestic commercial banks are focusing on the "retail business transformation", focusing on wealth management business or wealth management business. The starting point is to adopt the form of uploading and issuing, or hire a special training institution to conduct training on service etiquette, customer communication, investment and financial management, etc. within the bank's internal business operators and account managers. For operation and management personnel, training is generally adopted to instill some business concepts. A very small number of senior managers can have some opportunities to receive training and study abroad. Through various channels and approaches, domestic commercial banks have cultivated and created a team of counter operators, account managers, product managers and operation management talents with certain professional knowledge and business skills in the retail business, providing a strong foundation for the retail business of commercial banks. The development provides talent guarantee. However, compared with international advanced retail banks, domestic commercial banks still have many shortcomings in retail business training, and there are still some gaps between the overall quality of retail business personnel and the increasingly diverse financial service needs of society.
?(1) Some operating and management personnel do not fully understand the retail business concepts of modern commercial banks, their grasp is not accurate enough, and their implementation is not adequate.
?With the changes in the domestic capital market system and mechanism With the continuous improvement of the banking industry, the "financial disintermediation" phenomenon of commercial banks has further intensified. There are still some commercial bank management personnel who are relatively conservative in their thinking, do not have enough knowledge and understanding of the retail business concepts of modern commercial banks, and have deviations in guidance and poor implementation. in place. Channels for business diversion in some commercial bank branches have not yet been established, and account managers, lobby managers or financial managers (hereinafter collectively referred to as personal account managers) have not been properly and adequately allocated as required. Even if some outlets are equipped with account managers, the comprehensive quality of the account managers is not high. There is a tendency of aging age structure, solidification of business structure and formalization of job allocation. They have not truly exerted the actual effectiveness of account managers in retail business and cannot adapt to the situation. Increasing competition among retail banks requires. Due to the lack of high-quality account managers, some outlets experienced customer churn. These are all concrete manifestations that some commercial bank operation and management personnel do not understand the importance of retail business and do not implement it in place. In the final analysis, they still lack learning ability. Therefore, domestic commercial banks, especially large commercial banks, urgently need to carry out in-depth training for their retail business operation and management personnel. The training content can focus on instilling modern commercial bank operation and management concepts, expanding their vision of retail banking business, and allowing them to proactively pay attention to retail business and expand retail banking business.
?1. The purpose of training operations and management personnel
?Commercial banks conduct training for personnel in operation and management positions. The main purpose is to enable managers to master domestic and foreign retail businesses. The history, current situation and trends of development, understand the development trends of domestic and foreign economic and financial industries, update business philosophy, improve knowledge structure, enhance market judgment ability, product innovation ability, brand integration ability and risk prevention ability, and be able to cope with complex economic and financial situations , to further enhance the competitiveness of domestic commercial banks’ retail business.
?2. Training content and form
?The implementation of training on operation and management can include the following main contents: retail banking development status and trends, private banking business management, retail banking culture, Retail business innovation, brand management and marketing, market research and marketing, economic and civil and commercial laws and regulations, commercial bank market positioning and outlet strategic transformation, organizational behavior, financial management practice, retail banking media strategy, personal financial business risk management, etc. wait. The training can take the form of centralized lectures, on-site observation at advanced branches, off-site or overseas inspections, etc. It can also take the form of cross-site exchanges of cadres, allowing operation and management personnel to change their roles and go to commercial bank branches in advanced and developed areas to practice, experience first-hand, and change positions. Thinking, and strive to achieve the training effect of "flexible format, short deadline, deep feeling, rich understanding, and emphasis on practicality".
?(2) The phenomenon that existing professional and technical personnel have no use for what they have learned and are not interested in using it still exists
?At present, the majors or skills learned by retail business personnel of large domestic commercial banks There are many types, such as credit majors, currency banking majors, risk management majors, accounting majors, financial management majors, legal majors, engineering majors, etc. Since the professional skills learned by talents in each position do not necessarily correspond to the actual jobs they are engaged in (facts It is also difficult to achieve), or due to the relatively narrow application of the professional skills they have learned in banking jobs, the intelligence and talents of these professional and technical personnel may not be fully utilized, their work enthusiasm cannot be fully mobilized, and their ideological consciousness is at an insufficient level. steady state. On the other hand, with the rapid development of the economic and financial industries at home and abroad, residents' financial management concepts have gradually improved, and customers have increasingly strong demand for one-stop, all-round and comprehensive financial services, which can adapt to the development needs of commercial banks' retail business. High-quality comprehensive talents have become popular candidates for foreign financial institutions and small and medium-sized joint-stock commercial banks. In this sense, professional and technical talents with unstable minds should be a valuable resource owned by large commercial banks.
8 Bank Marketing Experiences (Part 4)
In 20xx_, I walked into the Futian Branch of the Industrial and Commercial Bank of China Shenzhen Branch with my yearning and pursuit of the financial career, where I will release the youthful spirit. Energy ignites career dreams. At Futian Branch, I am engaged in the most ordinary job - teller. Some people may say that an ordinary teller can't talk about a career. No, he can also have a brilliant career on the counter. Excellence starts from the ordinary, and perfection starts from seriousness. I love this job and regard it as a starting point for my career. As an ICBC employee, especially a front-line employee, I deeply feel the heavy responsibility I shoulder. The counter service is the "courtesy window" that shows the good service of the ICBC system, so I serve with full enthusiasm, heart and sincerity every day, keeping in mind the "three hearts" and "five qualities" ideology, and win with a self-progressive work attitude Customer trust. Time flies, it has been a year since I came to Futian Branch. In this short year, my life has experienced tremendous changes, from being relatively unfamiliar with bank teller marketing to having some understanding and marketing experience, including I have benefited a lot from the trust, care and guidance of my leaders, and the patient help from my colleagues, and helped me achieve great results in my business.
?In terms of bank teller marketing, I mainly have the following experiences:
?First, in terms of thinking and work, I can be more proactive in learning ICBC’s All operating procedures and various system documents are mastered in a timely manner. The dedication and sincerity of all colleagues are always inspiring to me. During my work, I was able to humbly ask my colleagues for advice, and learned a lot of professional knowledge and skills beyond books. I also deeply realized the importance of team spirit, communication and coordination, and at the same time accumulated a lot of experience for myself in my future growth. A small fortune. In terms of work, I have a strong sense of professionalism and responsibility. I am able to work hard, not be picky, and conscientiously implement every job and task assigned by the leadership. In daily life, I always pay attention to market trends. On the premise of grasping the objective environment, I study customers. Through customer research, I understand the customer's business needs. I strive to satisfy every customer and maintain every customer through my own efforts. customers.
?Second, in terms of skills, I personally can actively invest and train myself. During this year, I have always maintained a good working condition and strictly followed the standards of a qualified ICBC employee. Require yourself, base yourself on your own job, and concentrate on studying and training business skills so that you can shine a light and a passion for China Merchants Bank in your ordinary position.
?Third, understanding of the market. In order to sell any product, in addition to mastering the product itself, we also need to accurately position it and have a general understanding of the market to which the product corresponds.
?Fourth, face-to-face communication with customers. What I feel most deeply in this process is that while fully understanding the product, we should also fully understand the public psychology, and create a simple and convenient communication with customers. , a comfortable conversation atmosphere, listen extensively to their demands, fully understand what they want, how they can get it, and the benefits it can bring to them after getting it, answer customer questions promptly and patiently, and recommend suitable products to the right people. target customers.
?Fifth, be good at using various favorable times and gaps to proactively communicate with customers, communicate more with customers, seize any favorable opportunities, and create favorable marketing opportunities anytime and anywhere.
?Sixth, maintain an enterprising work mentality. We have to deal with different customer groups every day, so some details will often affect the communication with customers, and even cause customers to reduce their established loyalty to our industry. We should use the right method to reject customers. Treat it with an aggressive attitude, remember not to affect your enthusiasm for self-sales, and analyze the reasons for customer rejection so that you can correct and improve in the future.
?Seventh, provide good after-sales service. The functions of the products sold daily should be explained in detail to customers. If necessary, demonstrations should be done to improve customers' usage of our products and provide customers with better services in the future. Lay a good foundation by recommending other related products.
?I believe that opportunities always favor those who are prepared, and only through lifelong learning can we continue to innovate. Knowledge creates talents, and positions create dreams. There is a career that requires youth and dreams to pursue, and there is a pursuit that requires hard work and sweat. I hope that ICBC, where I work, will always be young and magnificent, prosperous and developed! 8 Bank Marketing Experiences (Part 5)
?China Construction Bank Mobile Banking is a new generation of banking services based on mobile communication data business platform, relying on the 3A (Anytime, Anywhere, Anywhere) of wireless communication technology , Any way) advantages are applied to financial services, extending the bank counter to customers’ mobile phones, allowing customers to truly enjoy the convenience and speed of transfer transactions anytime and anywhere, and financial management across time and geography.
?1. Environmental Analysis of Internet Marketing
?The Internet has a strong influence on China’s economy. Corporate elites in China and abroad are now working with the Chinese government to develop Internet infrastructure and integrate Internet technology into the fabric of Chinese corporate life. It is predicted that changes in bank regulations to encourage consumers to use credit cards will lead to a greater expansion of e-commerce.
?CNNIC’s 22nd report shows that the scale of China’s Internet users continues to show a trend of sustained and rapid development. As of the end of June 20XX, the number of Internet users in China reached 25.3 billion, and the number of Internet users in the United States at the end of 20XX was 21.8 billion. According to estimates of the growth rate of Internet users in the United States in recent years, the number of Internet users in the United States will not exceed 2.3 billion people, so the number of Chinese Internet users has ranked first in the world. An increase of 91 million from the same period last year. In the first half of 20XX, the net increase in the number of Chinese Internet users was 43 million.
In terms of basic information resources, the number of websites is 1.919 million, with an annual growth rate of 46.3. The increase in the number of websites shows that my country’s Internet information resources are more abundant. The evaluation score of netizens who feel that their daily lives cannot be separated from the Internet is 3.54 points. Most netizens have become accustomed to the Internet in their lives. Only a small number of netizens feel that they are sometimes addicted to the Internet, with scores of 2 and 5.
?In view of the above data, online marketing is the key to promoting products!
? 2. Characteristics and functions of CCB’s mobile banking
? CCB’s mobile banking was developed earliest and the technology is relatively mature. It is also very convenient to use and can complete business activities such as payment, financial management, and stock market transfers. Moreover, a new mobile-to-mobile transfer function has been launched. You don’t need to know the other party’s bank account number. You only need to know the mobile phone number to make the transfer. At the same time, the handling fee is 30% off that at the counter. CCB Mobile Banking is currently the industry's leading new generation mobile banking service. It has the characteristics of convenience, rich functions, safety and reliability, and fast application.
?Ready-to-use, personal service
?CCB Mobile Banking will join you in the era of ready-to-use banking services. Allowing you to enjoy CCB’s 724-hour personal financial services anytime, anywhere, it is a bank you carry with you.
?Rich functions and fast transactions
?CCB mobile banking not only includes basic financial services provided by physical business outlets, but also mobile stock market, gold trading, treasury bond trading, foreign exchange trading, banking Investment and financial management services that keep up with market trends such as securities transfers allow you to control the market at your fingertips and accumulate wealth at all times.
?Advanced technology, safe and reliable
?With CCB Mobile Banking, you have the safest electronic transaction channel. It uses the most advanced encryption methods to ensure the security of your information at all times, and establishes a binding relationship between mobile phone numbers and customer information to ensure the safety and reliability of transactions.
?The application is fast and the procedure is simple. You only need to log in to mobile banking or the CCB website and simply enter the required elements at one time to become a CCB mobile banking customer and enjoy the inquiry and payment services provided by CCB. and other services; or you only need to visit the business outlets in person and enjoy comprehensive mobile banking services after successfully signing the contract; CCB Online Banking Shield customers can also realize multi-channel interactive signing without leaving home
? 3. Marketing and Promotion Plan
?1. E-mail marketing and promotion
?CNNIC’s 22nd report shows that the usage rate of email has reached 62.6
?Email has It has become a communication tool for every netizen. Whenever you open your mailbox, you will receive emails from strangers. Although many netizens are afraid to open emails due to the impact of email viruses, they can see advertisements every time they enter their mailbox. A deep impression has been created in our minds, and we should write the title of the email vividly to attract netizens to open the email and achieve the effect of product promotion.
?2. Online music advertising and marketing
?CNNIC’s 22nd report shows: the usage rate of online music is 84.5, and the number of users is 2.14 billion. Such a huge usage Team, placing advertisements on the online music library page is undoubtedly a good choice.
?3. Idolization in advertising
?People in the E era are generally young, and stars with youth, vitality, and sunny personalities will have a strong affinity for people. It is a good strategy to choose celebrities respected by E-era as product image spokespersons. It can make the image of the product deeply rooted in people's hearts.
?4. Search engine
?The application of search engines in online marketing is divided into the following points:
?(1) Free login to the category directory
? (2) Search engine optimization
? (3) Keyword advertising
? (4) Keyword ranking
? (5) Web content targeting ads
? Link CCB’s mobile banking information website to the world’s most famous search engines, such as: YAHOO, INFOSEEK, Sina and other websites, and conduct industry, product, company name, region, etc. Path search makes it easy to search for your website;
?Building a mobile bank is for users, not yourself. This is the most important lesson of all: Your mobile banking is for your users, not you. They use your bank with purposes, and your job is to help them achieve those purposes. So, focus on what the user needs to do, rather than what you want to say. If you want to attract visitors, you must first satisfy their needs. The clearer the need, the more efficient your solution will be and the more visitors will come. 8 Bank Marketing Experiences (Part 6)
?In order to thank the new and old customers who have always supported the development of Zheshang Bank’s electronic banking business, Zheshang Bank successfully launched the e-Road with Me annual marketing campaign last year. On the basis of this, this year we launched the annual marketing campaign of e-road accompanying e-banking.
?e Road Follows Zheshang e Bank to develop with you
? (January 1, December 31, 20XX)
?e Road Follow the best partners
?Participating objects: Customers of Zheshang Bank’s electronic banking business partners.
? Evaluation criteria: Ranking among the best in business development in individual or comprehensive cooperation with China Zheshang Bank in online banking, telephone banking, mobile banking, self-service equipment applications, commercial cards and co-branded cards, acquiring markets, etc. , the comprehensive benefits are obvious. There are 20 people in the whole bank.
?Award content: Each award provides a 40% discount on Zheshang Bank’s receivable transfer business fees in 2014 (the cumulative maximum discount is 5,000 yuan).
?E-Route Best Participation Award
?Participant: Customer operators of Zheshang Bank’s corporate online banking or POS equipment application units.
? Evaluation criteria: Zheshang Bank’s corporate online banking, unit financial POS, special merchant POS, business volume and efficiency rankings of Shangyintong operators, 10 will be selected each. There are 40 people in the whole bank.
?Award content: Each award is worth an exquisite gift worth 600 yuan.
?The best personal customer of e-Road Follower
?Participant: Zheshang Bank personal online banking customers.
? Evaluation criteria: Based on the e-banking points ranking of Zheshang Bank’s personal online banking customers, 5 points will be taken from comprehensive points, transfer points, financial management (including Yinjitong, online funds) points, and e-commerce points. name. There are 20 people in the whole bank.
?Award content: Each award is worth an exquisite gift worth 600 yuan.
For details of the event, please log on to the Zheshang Bank website or call the Zheshang Bank telephone banking (95105665) and visit any of the Zheshang Bank outlets for consultation. 8 Bank Marketing Experiences (Part 7)
?1. Smile
?Smile is an expression of self-confidence, a silent language that conveys a friendly message. The counter is the window of the bank. When we greet customers, a smile can bring us closer and create conditions for my subsequent service and marketing.
?2. Knowledge and skills
?There is a saying that goes well: The difference between people is actually the difference in learning potential. Due to differences in personal qualities, experience, and training levels, service levels vary. Therefore, through learning and training, we must master the characteristics of various products and analyze applicable groups, and make personalized recommendations to customers, such as mid- to high-end customers. Promote local and foreign currency call deposits, profit cards, credit cards and other products, and promote local and foreign currency all-in-one, debit cards, and agency services to ordinary customers. Master the operating procedures of various businesses, improve your ability to analyze and deal with problems, improve service quality, and enhance customer satisfaction and loyalty, thereby retaining customers, winning their trust, and laying the foundation for further marketing.
?3. Empathy and strengthen communication
?We must establish the idea of ????"empathy" and start from the customer's perspective, think about what the customer thinks, and be anxious about what the customer wants. Urgent, strengthen communication. We need to be the best listener and listen carefully to the needs of our customers. From the customer's perspective, we provide customers with financial management recommendations that suit their interests in a timely manner. Only in this way can we achieve real communication with customers, provide customers with all-round services, and allow customers to obtain needs that exceed their expectations.
?The above points need to be accumulated over time in daily work, and need to be trained and cultivated in daily work. Because banks at this moment have transformed into marketing-oriented, marketing is a process and a goal that we work for day after day. Only after our tellers have completed the above steps can we better serve the customers in the final step.
?4. Targeted and differentiated marketing
?The "80/20 rule" in marketing tells us: the profits of enterprise x are created by customers of x, and x of other consumers only create x profits. How to find high-quality customers, retain old customers, and win new customers is a top priority. Banks have the unique advantage of mastering a large amount of customer information. We can segment the market according to customers' age, gender, occupation, income, education level, etc., and bring differences according to the different needs of different customers. Optimized convenience services and supportive services to achieve undifferentiated quality services.
?When dealing with high-end customers or old customers, if you can take the initiative to greet the customer and accurately address Mr. or Ms. to show your familiarity with the customer and make the customer feel valued, then you can Taking advantage of the trend to promote new products, I believe it will have the effect of getting twice the result with half the effort.
For another example, for new customers who come into contact with the bank for the first time, they should proactively and enthusiastically introduce service types and methods, act as a good consultant for customers' financial management in a timely manner, and complete each business accurately and quickly to leave a good impression on customers. For large customers from different banks, we can introduce financial cards, credit cards, financial products, etc. to them, or ask them if they live near our bank, and strive to do a good job in transferring deposits to different banks. When someone opens an account, we should carefully introduce the debit card, and during the process of handling it, recommend our bank's electronic products in a timely manner. When recommending electronic products, we should pay attention to two points:
?First, For customers who are new to electronic products, do not just introduce how to use the product at the beginning, because they will often refuse because they do not understand and the processing time is limited. But make them interested in the products you recommend, such as online shopping, no need to go to the mobile phone hall to pay phone bills, Taobao, etc. After you finish the process for them, introduce to them how to use it, or call the lobby manager to explain it to him.
?Second, catch one electronic product and get one. But as the lifeline of banks, deposits can only be based on people. We can only satisfy every customer with our services, serve our customers consistently, retain customers with our services, and achieve the goal of retaining deposits. Our counter staff should also learn to distinguish from the crowd those high-quality customers from different places and those who may be high-quality customers in the future. Of course, it is difficult to do this because there are no rules to follow. Only through years of work and careful discovery can you gain some experience.
?The above are some of my experiences as a counter clerk, through many years of counter work, I have carefully sought out about bank counter marketing.