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Distribution Channels


It was about 20

years ago that most banks typically only used one distribution channel (their branches). However, since that time they have dramatically expanded the number of channels that they use (in person, online, phone, and mobile). Below is a list of common distribution channels for a bank. Answer the following questions regarding your thoughts on how the distribution channels have changed how people do their banking.

Direct & Indirect Channels

Direct: Branches-Phone (call center)-Internet Banking-ATM-Personal Banker (staff to directly look after customers)-E-mail-Mobile Phone Messages

Indirect: Third Party Retailers-Mortgage/Loan Brokers-Financial Advisers-Referrals From Independent Internet Sites

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