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Research on Strategies for Enhancing Payroll Customer Management in Banks Based on Data Analysis

Author(s)

Qifeng Tang

Affiliation(s)

Hefei Thomas School, Anhui, China

Abstract

In the history of banking development, data analysis has gradually become a vital driver of business innovation and competitive advantage. In the field of precision marketing, data analysis can significantly improve marketing efficiency by enabling deeper insights into customer behavior and market trends, thereby accurately identifying target customers and designing personalized services to enhance customer satisfaction and business conversion rates. Payroll services represent a strategic business segment for banks, serving as a typical example of public–private linkage and an important channel for retail customer acquisition. Although payroll customer groups are large in scale, the proportion of high-loyalty customers remains low, and capital retention rates are insufficient. By conducting data-driven analyses of the fundamental characteristics and behavioral patterns of payroll customers, banks can predict potential high-value clients and implement tiered and segmented marketing strategies. This approach not only optimizes resource allocation and improves marketing efficiency but also deepens banks’ understanding of customer needs, laying a solid foundation for future business development.

Keywords

Data Analysis; Payroll Customer Enhancement; Precision Marketing

References

[1]Chen, J. (2007). Customer Value Analysis and Customer Value Segmentation Model Research. Productivity Research. [2]Deng, D. (2018). The Design and Application of Precision Marketing in Commercial Banks under the Background of Big Data. South China University of Technology. [3]Ni, N. (2015). Big Data Marketing. Renmin University of China Press. [4]Wang, K. (2015). Application of Precision Marketing in Retail Business from the Perspective of Big Data. Commercial Economic Research.