{"id":36319,"date":"2023-12-08T12:02:35","date_gmt":"2023-12-08T12:02:35","guid":{"rendered":"https:\/\/masterskills.org\/blog\/san-pham-dich-vu-moi-new-products-and-services-cua-ngan-hang-la-gi.html"},"modified":"2023-12-24T21:43:59","modified_gmt":"2023-12-24T14:43:59","slug":"san-pham-dich-vu-moi-new-products-and-services-cua-ngan-hang-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/san-pham-dich-vu-moi-new-products-and-services-cua-ngan-hang-la-gi.html","title":{"rendered":"S\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 m\u1edbi (New products and services) c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 g\u00ec?"},"content":{"rendered":"
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H\u00ecnh minh ho\u1ea1 (Ngu\u1ed3n: bwprimarycare)<\/p>\n<\/div>\n<\/div>\n

Sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i c\u1ee7a ng\u00e2n h\u00e0ng<\/font><\/h2>\n

Kh\u00e1i ni\u1ec7m<\/b><\/p>\n

Sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i<\/b> trong ti\u1ebfng Anh \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 new products and services.<\/b><\/p>\n

Co\u0301 th\u00ea\u0309 hi\u00ea\u0309u sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i la\u0300 nh\u01b0\u0303ng sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 l\u00e2\u0300n \u0111\u00e2\u0300u tie\u0302n \u0111u\u031b\u01a1\u0323c \u0111u\u031ba va\u0300o danh mu\u0323c sa\u0309n ph\u00e2\u0309m kinh doanh cu\u0309a nga\u0302n ha\u0300ng.\u00a0<\/p>\n

Ph\u00e2n lo\u1ea1i<\/font><\/h3>\n

Theo ca\u0301ch hi\u00ea\u0309u na\u0300y, sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i cu\u0309a nga\u0302n ha\u0300ng \u0111u\u031b\u01a1\u0323c chia tha\u0300nh 2 loa\u0323i:<\/p>\n

– Th\u01b0\u0301 nh\u00e2\u0301t, sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i hoa\u0300n toa\u0300n<\/b> la\u0300 nh\u01b0\u0303ng sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i \u0111\u00f4\u0301i v\u01a1\u0301i ca\u0309 nga\u0302n ha\u0300ng va\u0300 thi\u0323 tru\u031b\u01a1\u0300ng.\u00a0<\/p>\n

Khi \u0111u\u031ba ra thi\u0323 tru\u031b\u01a1\u0300ng loa\u0323i sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 na\u0300y, nga\u0302n ha\u0300ng kho\u0302ng pha\u0309i \u0111\u00f4\u0301i m\u1ea1\u0306t v\u01a1\u0301i ca\u0323nh tranh ne\u0302n no\u0301 co\u0301 th\u00ea\u0309 \u0111em la\u0323i ngu\u00f4\u0300n thu nh\u1ea1\u0302p l\u01a1\u0301n cho nga\u0302n ha\u0300ng.\u00a0<\/p>\n

Tuy nhie\u0302n, nga\u0302n ha\u0300ng thu\u031b\u01a1\u0300ng pha\u0309i chu\u0309 \u0111\u1ecd\u0302ng trong vi\u1eb9\u0302c \u0111u\u031ba ra ca\u0301c bi\u1eb9\u0302n pha\u0301p \u0111\u00ea\u0309 ha\u0323n ch\u00ea\u0301 nh\u01b0\u0303ng ru\u0309i ro trong \u0111\u00e2\u0300u tu\u031b v\u00f4\u0301n l\u01a1\u0301n, thi\u00ea\u0301u kinh nghi\u1eb9\u0302m va\u0300 kha\u0301ch ha\u0300ng chu\u031ba quen s\u01b0\u0309 du\u0323ng sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i.<\/p>\n

– Th\u01b0\u0301 hai, sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i v\u00ea\u0300 chu\u0309ng loa\u0323i <\/b>(sa\u0309n ph\u00e2\u0309m sao che\u0301p) la\u0300 sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 chi\u0309 m\u01a1\u0301i \u0111\u00f4\u0301i v\u01a1\u0301i nga\u0302n ha\u0300ng, kho\u0302ng m\u01a1\u0301i v\u01a1\u0301i thi\u0323 tru\u031b\u01a1\u0300ng.\u00a0<\/p>\n

Loa\u0323i sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i na\u0300y \u0111a\u0303 co\u0301 s\u01b0\u0323 ca\u0323nh tranh tre\u0302n thi\u0323 tru\u031b\u01a1\u0300ng. Thu nh\u1ea1\u0302p ti\u00ea\u0300m na\u0306ng co\u0301 th\u00ea\u0309 bi\u0323 gia\u0309m do sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 bi\u0323 ca\u0323nh tranh.\u00a0<\/p>\n

Tuy nhie\u0302n, pha\u0301t tri\u00ea\u0309n sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i loa\u0323i na\u0300y nga\u0302n ha\u0300ng co\u0301 th\u00ea\u0309 t\u1ea1\u0302n du\u0323ng \u0111u\u031b\u01a1\u0323c l\u01a1\u0323i th\u00ea\u0301 cu\u0309a ngu\u031b\u01a1\u0300i \u0111i sau, vi\u0300 v\u1ea1\u0302y se\u0303 tra\u0301nh \u0111u\u031b\u01a1\u0323c nh\u01b0\u0303ng sai l\u00e2\u0300m cu\u0309a ngu\u031b\u01a1\u0300i \u0111i tru\u031b\u01a1\u0301c.\u00a0<\/p>\n

Vi\u0300 v\u1ea1\u0302y, pha\u0301t tri\u00ea\u0309n loa\u0323i sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i na\u0300y \u0111u\u031b\u01a1\u0323c coi la\u0300 tro\u0323ng ta\u0302m cu\u0309a xu th\u00ea\u0301 pha\u0301t tri\u00ea\u0309n sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i trong ca\u0301c nga\u0302n ha\u0300ng hi\u1eb9\u0302n nay.<\/p>\n

Qui tr\u00ecnh ph\u00e1t tri\u1ec3n<\/font><\/h3>\n

Quy tri\u0300nh pha\u0301t tri\u00ea\u0309n sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i cu\u0309a nga\u0302n ha\u0300ng<\/p>\n

Quy tri\u0300nh pha\u0301t tri\u00ea\u0309n sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i cu\u0309a nga\u0302n ha\u0300ng \u0111u\u031b\u01a1\u0323c ti\u00ea\u0301n ha\u0300nh theo ca\u0301c bu\u031b\u01a1\u0301c sau.<\/p>\n

– Bu\u031b\u01a1\u0301c 1: Xa\u0302y d\u01b0\u0323ng chi\u00ea\u0301n lu\u031b\u01a1\u0323c sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i<\/b><\/p>\n

N\u1ecd\u0302i dung co\u031b ba\u0309n cu\u0309a chi\u00ea\u0301n lu\u031b\u01a1\u0323c la\u0300 xa\u0301c \u0111i\u0323nh ca\u0301c mu\u0323c tie\u0302u pha\u0301t tri\u00ea\u0309n sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i, \u0111i\u0323nh hu\u031b\u01a1\u0301ng cho vi\u1eb9\u0302c hi\u0300nh tha\u0300nh ca\u0301c y\u0301 tu\u031b\u01a1\u0309ng pha\u0301t tri\u00ea\u0309n sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i va\u0300 xa\u0301c \u0111i\u0323nh n\u1ecd\u0302i dung cu\u0309a sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i.<\/p>\n

– Bu\u031b\u01a1\u0301c 2: Hi\u0300nh tha\u0300nh y\u0301 tu\u031b\u01a1\u0309ng<\/b><\/p>\n

Y\u0301 tu\u031b\u01a1\u0309ng hi\u0300nh tha\u0300nh sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i co\u0301 th\u00ea\u0309 xu\u00e2\u0301t pha\u0301t t\u01b0\u0300 ca\u0301c nha\u0302n vie\u0302n nghi\u1eb9\u0302p vu\u0323 co\u0301 kinh nghi\u1eb9\u0302m trong qua\u0301 tri\u0300nh giao di\u0323ch v\u01a1\u0301i kha\u0301ch ha\u0300ng, ho\u1ea1\u0306c t\u01b0\u0300 k\u00ea\u0301t qua\u0309 cu\u0309a nghie\u0302n c\u01b0\u0301u thi\u0323 tru\u031b\u01a1\u0300ng va\u0300 ca\u0301c tho\u0302ng tin thu th\u1ea1\u0302p t\u01b0\u0300 kha\u0301ch ha\u0300ng.<\/p>\n

Co\u0301 th\u00ea\u0309 \u0111u\u031b\u01a1\u0323c hi\u0300nh tha\u0300nh t\u01b0\u0300 ca\u0301c ngu\u00f4\u0300n be\u0302n ngoa\u0300i nga\u0302n ha\u0300ng tho\u0302ng qua vi\u1eb9\u0302c thu th\u1ea1\u0302p y\u0301 tu\u031b\u01a1\u0309ng cu\u0309a ca\u0301c t\u00f4\u0309 ch\u01b0\u0301c pha\u0301t tri\u00ea\u0309n sa\u0309n ph\u00e2\u0309m m\u01a1\u0301i, ho\u1ea1\u0306c ho\u0323c t\u1ea1\u0302p t\u01b0\u0300 kinh nghi\u1eb9\u0302m cu\u0309a ca\u0301c nga\u0302n ha\u0300ng, th\u1ea1\u0302m chi\u0301 co\u0301 th\u00ea\u0309 sao che\u0301p ca\u0301c y\u0301 tu\u031b\u01a1\u0309ng sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 cu\u0309a ca\u0301c nga\u0302n ha\u0300ng trong va\u0300 ngoa\u0300i nu\u031b\u01a1\u0301c.<\/p>\n

– Bu\u031b\u01a1\u0301c 3: L\u01b0\u0323a cho\u0323n y\u0301 tu\u031b\u01a1\u0309ng<\/b><\/p>\n

Y\u0301 tu\u031b\u01a1\u0309ng v\u00ea\u0300 sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i pha\u0309i phu\u0300 h\u01a1\u0323p v\u01a1\u0301i chi\u00ea\u0301n lu\u031b\u01a1\u0323c sa\u0309n ph\u00e2\u0309m cu\u0309a nga\u0302n ha\u0300ng va\u0300 pha\u0309i th\u01b0\u0323c hi\u1eb9\u0302n \u0111u\u031b\u01a1\u0323c ca\u0301c mu\u0323c tie\u0302u nhu\u031b na\u0302ng cao hi\u0300nh a\u0309nh, ta\u0306ng kha\u0309 na\u0306ng ca\u0323nh tranh cu\u0309a nga\u0302n ha\u0300ng, pha\u0309i h\u00e2\u0301p d\u00e2\u0303n \u0111\u00f4\u0301i v\u01a1\u0301i m\u1ecd\u0302t \u0111oa\u0323n thi\u0323 tru\u031b\u01a1\u0300ng na\u0300o \u0111o\u0301 va\u0300 \u0111em la\u0323i l\u01a1\u0323i nhu\u1ea1\u0302n cho nga\u0302n ha\u0300ng.<\/p>\n

– Bu\u031b\u01a1\u0301c 4: Tri\u00ea\u0309n khai va\u0300 ki\u00ea\u0309m \u0111i\u0323nh<\/b><\/p>\n

\u0110\u00ea\u0309 \u0111a\u0309m ba\u0309o hi\u1eb9\u0302u qua\u0309 cu\u0309a sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i, nga\u0302n ha\u0300ng thu\u031b\u01a1\u0300ng ti\u00ea\u0301n ha\u0300nh th\u01b0\u0309 nghi\u1eb9\u0302m va\u0300 ki\u00ea\u0309m \u0111i\u0323nh sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i tre\u0302n m\u1ecd\u0302t nho\u0301m kha\u0301ch ha\u0300ng va\u0300 thi\u0323 tru\u031b\u01a1\u0300ng, qua \u0111o\u0301 n\u0103\u0301m \u0111u\u031b\u01a1\u0323c pha\u0309n \u01b0\u0301ng cu\u0309a kha\u0301ch ha\u0300ng va\u0300 thi\u0323 tru\u031b\u01a1\u0300ng.\u00a0<\/p>\n

T\u01b0\u0300 \u0111o\u0301, nga\u0302n ha\u0300ng chu\u0309 \u0111\u1ecd\u0302ng \u0111i\u00ea\u0300u chi\u0309nh cho phu\u0300 h\u01a1\u0323p, tru\u031b\u01a1\u0301c khi tung sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i va\u0300o thi\u0323 tru\u031b\u01a1\u0300ng.<\/p>\n

– Bu\u031b\u01a1\u0301c 5: Tung sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i va\u0300o thi\u0323 tru\u031b\u01a1\u0300ng<\/b><\/p>\n

\u0110a\u0302y la\u0300 giai \u0111oa\u0323n cu\u00f4\u0301i cu\u0300ng cu\u0309a pha\u0301t tri\u00ea\u0309n sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i. Tung sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i va\u0300o thi\u0323 tru\u031b\u01a1\u0300ng la\u0300 giai \u0111oa\u0323n quan tro\u0323ng nh\u00e2\u0301t, vi\u0300 no\u0301 la\u0300 s\u01b0\u0323 ki\u00ea\u0309m \u0111i\u0323nh th\u1ea1\u0302t s\u01b0\u0323 v\u00ea\u0300 k\u00ea\u0301t qua\u0309 cu\u0309a vi\u1eb9\u0302c pha\u0301t tri\u00ea\u0309n sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i cu\u0309a nga\u0302n ha\u0300ng tre\u0302n thi\u0323 tru\u031b\u01a1\u0300ng.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: M\u1ed9t s\u1ed1 chi\u1ebfn l\u01b0\u1ee3c marketing trong ng\u00e2n h\u00e0ng, Trung t\u00e2m \u0111\u00e0o t\u1ea1o t\u1eeb xa, \u0110H Kinh t\u1ebf Qu\u1ed1c d\u00e2n)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n C\u00f3 th\u1ec3 hi\u1ec3u s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 m\u1edbi (ti\u1ebfng Anh: New products and services) l\u00e0 nh\u1eefng s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 l\u1ea7n \u0111\u1ea7u ti\u00ean \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o danh m\u1ee5c s\u1ea3n ph\u1ea9m kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[422],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/36319"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=36319"}],"version-history":[{"count":1,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/36319\/revisions"}],"predecessor-version":[{"id":68828,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/36319\/revisions\/68828"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=36319"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=36319"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=36319"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}