1, customer segmentation and stratification is nothing new for many bankers. Customer segmentation and stratification are the key core foundations of differentiated marketing. For a long time, banks have stratified customers according to their assets in the bank, just like the "28 law" put forward by Italian economists, which has become the dividing point of gold profits in the banking industry. 20% of the profits come from high-quality customers and 80% from ordinary customers. The advantage of hierarchical segmentation is that it is convenient to formulate and implement differentiated advanced service strategies. For high-quality customers, hierarchical segmentation will help customers enjoy more financial services and attract customers to continuously collect and deposit funds outside the bank. For retail customers, customer stratification is to divide customers into different dimensions, and fully consider their interactions from their profitability, time and characteristics. Banks can also segment customers according to their loyalty, demographic attributes, customer value, customer consumption, cash flow and other characteristics. And form a customer characterization label to enrich the data precipitation and analysis of banks, create online and offline marketing, broaden marketing channels, and change the group consumption habits of some middle-aged and elderly people, which will inevitably expand the target customers of subsequent online marketing. Banks also need to seize this opportunity. When banks actively promote online marketing,

2. Self-built scenes, combining scenes and customer segmentation in the concept of scene marketing, emphasizing that "sales are scenes" and reconstructing retail people, goods and markets by making scenes. From the perspective of scenario selection, the first step of self-built scenarios is to screen market segments, build different scenarios for different groups according to the above segmentation principles, and then clean up and reuse existing channels to explore new scenarios according to customer needs. Re-examine and explore the resources and functions of the scene, improve the effect of the scene, seize the scene with higher demand, and constantly subdivide the existing scene, thus bringing new scene value.

3, establish progressive emotional links, the same straightforward marketing has made customers tired, so for marketers, it is better to change a marketing idea, put aside the benefits of financial products, start with other needs of customers, find emotional links, gain the trust of customers through emotional links, and form emotional progressive links with customers in the face of our products. Listen to customers' opinions on products and their demands for what products they need, respect customers' opinions and establish a trust foundation with customers. For example, in the face of middle-aged and elderly female customers, in addition to the financial characteristics of products, many banks have thought of the way of "square dance to expand customers", creating conditions for aunts to express their financial needs and opening the entrance through the mode of service plus gifts, thus successfully marketing.

4. Embedded marketing In the past, the financial services provided by banks to customers were always self-contained, and marketing, service and innovation were all carried out within their own channels and products. However, with the rapid rise of internet finance and the increasingly fierce competition among financial institutions, the original way of obtaining customers is no longer feasible. Therefore, banks must change their strategies, and the "entrance" to obtain financial services began to gradually disperse into the demand scenario, transforming into a "customer-oriented" service model. Integrating financial services into the external environment has become an integral part of the ecology. Serving customers with many participants and "sharing customers" have become the basic consensus. For example, more and more banks are seeking third-party cooperation with a more open attitude, embedding independent financial services into life application scenarios, and then laying a solid financial foundation for integrating external service boundaries through the development of various technologies such as APP and artificial intelligence. As a one-stop digital service solution provider, Jin Yilian can provide financial institutions with open digital technology capabilities, help enterprises build industry-level ecology and realize multi-institutional links.