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    Case Analysis-Talisay

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    Case Analysis-Talisay

    Uploaded by

    princessgracepatricio
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    Case Analysis-Talisay

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    princessgracepatricio

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    © All Rights Reserved
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    of 1

    Regine Mae Talisay BSB-FM3 Nov.

    21, 2024
    Case Analysis: Bank Solutions Inc.-Navigating
    Challenges in Commercial Banking Case

    1. What strategies can Bank Solutions Inc. adopt to improve customer


    satisfaction and regain trust following the technical issues with its mobile app?
    Answer : To regain consumer satisfaction and regain customers' trust, Bank
    Solutions Inc. should focus on the bugs of the app by clearly indicating when
    the issues are going to be solved. Along with enhancing customer service
    through specialised team to handle complaints in a timely manner, the bank
    should offer compensation to the concerned consumers as incentives or
    exemptions from charges. They could, therefore, also enhance their client
    relationships by providing individualised services such as relationship
    managers or additional assistance for valuable SME clients.

    2. How can the bank better prepare its employees to adapt to technological
    changes and align them with the organization's digital transformation goals?
    Answer : The bank needs to establish comprehensive, job-related training
    programs that ensure employees can use the new technologies effectively by
    equipping them with such preparation for the technological changes. These
    initiatives need to include interactive workshops, tutorials, and ongoing
    education opportunities. By clearly communicating the benefits of the digital
    transformation, by implementing feedback loops to alleviate concerns raised,
    and by providing incentives to staff members who have successfully
    embraced the new technologies, the bank must also focus on the
    development of a culture of change.

    3. What steps should the bank take to minimize risks associated with SME
    loan defaults and improve its credit evaluation process?
    Answer : Bank Solutions Inc. can strengthen its credit evaluation process and
    decrease risks associated with SME loan defaults by including alternative
    data, like transaction history, financial behavior, and industry-specific metrics
    in its credit scoring algorithms. Loan monitoring techniques such as predictive
    analytics can also be designed to detect early warning signs of financial
    distress. Improving collateral standards and the risk-sharing agreements with
    other institutions will provide further protection against defaults.

    4. Analyzethe case from multiple perspectives, such as customer satisfaction,


    employee readiness, and risk management. Recommend actionable solutions
    grounded in commercial banking principles.
    Answer : Bank Solutions Inc. faces challenges in customer satisfaction,
    employee adaptation to digital systems, and managing SME loan risks. To
    address these, the bank should focus on technical improvements,
    compensation, and personalized service, while refining credit evaluation,
    monitoring, and diversifying loan portfolios.

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