最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化国际资讯

裁员+增资:ING银行“数字改革”这次要动真格了

经济拮据之时,欧洲银行总会不顾一切地寻找省钱的办法。本周荷兰大型银行集团ING就宣布,作为“数字改革”的一部分,计划一年内削减5800个工作岗位,预计此举可谓集团节约9亿欧元(合10亿美元)。另有1200名员工将调整工作或者调整岗位。

然而这次转变的成本也并低。未来五年ING计划进行8亿欧元技术投资,主要投向使其基础设施、数据以及其他过程标准化的技术,使ING转变为“数字银行平台”。大部分被裁者都是比利时和荷兰的全职员工,两地的风险管理、金融、人力资源、信息技术部门将集中管理。比利时ING支行数量将从1200家减至650家。

银行将预留11亿欧元用于支付裁员补贴。加上信息技术投资,机器更替人工大致开支将超过20亿美元。

此举不出所料激怒了工会,因为2008年ING接受了政府上百亿救助资金以维持其稳定。

对此,ING银行新闻发言人Raymond Vermeulen表示,ING消费者期望从银行获得与Netflix、Facebook或Spotify一致的服务。“我们必须做出改变。结果就是我们可以用更少的员工实现这一目标。”至于工会抗议的救助资金,他说“保证员工永远留在公司”并不是政府的目标。相反,“政府明确的目标是救助金融系统,确保存钱在银行的人存在银行的钱是安全的”。

有研究显示,富裕国家有近10%的工作可能被机器取代。任务越机械化,越容易成为机器的工作,一项广泛引用的研究表明,诸如出纳、信贷员一类的银行工作有超过90%的可能实现计算机化。如今金融科技新贵公司开设银行,几乎只需手机应用即可提供服务,绕过了庞大劳动力和过时技术带来的所有遗留成本。

实际上,就开始进行昂贵的技术改革这件事上,ING并非孤例。上周,德国Commerzbank宣布将花费11亿欧元,减少9600个全职岗位,实现80%的流程自动化,最终至2020年实现数字化。同时RBS也将推出在线人工智能客服系统(paywall),系统能够清楚感知顾客的情绪,并作出相应回应,而且系统从不需要休息,也不会要求任何额外补贴。

European banks are desperately trying to find ways to save money in these straitened times. ING, a major Dutch lender, announced this week that it plans to save €900 million ($1 billion) a year by cutting 5,800 jobs as part of a “digital transformation.” A further 1,200 employees will have their jobs changed or moved.

This transformation doesn’t come cheap. ING plans to invest €800 million over the next five years on technology that will standardize its infrastructure, data, and other processes into “one digital banking platform.” Most of the job losses will be full-time staff in Belgium and the Netherlands, where risk management, finance, HR, and IT functions will be centralized. In Belgium, the number of ING branches will be cut to 650, from 1,200.

The bank is setting aside €1.1 billion for redundancy payments. Added to the IT investments, the rough bill for replacing people with machines will run to the equivalent of more than $2 billion.

This has predictably irked unions. They are particularly angry because ING received a €10-billion government bailout in 2008 to keep it afloat.

ING customers expect the same level of service from their bank as they get from Netflix, Facebook, or Spotify, says Raymond Vermeulen, a spokesperson for the bank. “We have to adapt. The consequence is that we can do it with less people.” In response to the unions’ gripe about the bailout, he says it wasn’t the government’s goal “to ensure forever that the employees were there.” Instead, “the clear objective was to save the financial system and make sure the people who had savings money in the bank that their money was safe.”

Some studies suggest that around 10% of jobs in rich countries are at risk of automation. The more rote the tasks, the more susceptible they are to robot labor—a widely cited study puts banking jobs like teller and loan officer at better than 90% odds of “computerization.” Upstart fintech companies are now launching banks that deliver services almost exclusively via mobile apps, bypassing all the legacy costs of large workforces and outdated technology,

Indeed, ING is far from alone in launching a costly technical transformation. Last week, Germany’s Commerzbank announced that by 2020 it will digitalize and automate 80% of its processes, cutting 9,600 full-time jobs, at a cost of €1.1 billion, as a result. Meanwhile, RBS is about to launch an online, AI-powered customer-service system (paywall), which can apparently read a customer’s moods and respond accordingly. It also, presumably, never takes breaks and doesn’t ask for any perks.


用微信扫描可以分享至好友和朋友圈

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

吕林倩未央编辑团队

103
总文章数

TA还没写个人介绍。。。

断腕或自救?盘点2016年全球十大银行裁员案

王晓丽 2016-12-12

香港在线借贷企业WeLab获ING集团2500万美元信用支持

吕林倩 2016-09-09

Lending Club风波未平 美国P2P平台扎堆裁员

王莹 林芷涵 2016-07-04

Lending Club任命新董事长及CEO 将裁员179人

佚名 2016-06-29

P2P寒冬来袭 这次Avant也挺不住了

Ryan Weeks 2016-05-25

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备13049013号-2