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ices. It is surprisingly low. Most of the customer should use four or five products or services. As Lloyds has a long product line, which is suit a customer life cycle. But Lloyds should sell it to customer effectively. Lloyds should increase their cross sell and up sell their products and services to customer. If Lloyds are not ready to take risk to sell their valuable products to their customers they can introduce introductory offer. As example Lloyds can sell their credit card to large number of customers but with a very low credit limit. In this way Lloyds can sell their product with out taking high risk. And after that Lloyds can increase their credit limit with basis of customer transaction history. On the other hand Lloyds can push their valuable product to those 40 segments of customer, which is high profitable and carry lowest risk for Lloyds. In this way Lloyds should increase their cross sell.

The researcher recommend to Lloyds Banking Group to provide CRM on ‘Facebook' platform to allow Lloyds to communicate with customers on the social networking site which is very popular now a day. Lloyds will be capable to allow customers to track orders, submit queries etc on their facebook pages. Many facebook profiles have been already launched by many companies. Facebook CRM will allow bank to make devoted communication channels by such a way of dealings with consumer. Facebook has passed the phase of just being seen as a social networking site to an influential communication intermediate for business. Facebook CRM allows business to tie together with the fame of the site and unlock a novel communication channel with customers.

Lloyds Banking Group should implement reward program. Sophisticated and contemporary reward programs are inspirational easy customer acquisition to customer retention. It will allow customers to earn points every swipes his or her debit card. Credit card reward program has become old idea. Reward program on debit card is a new concept. In this program, the more point's customers collect the more reward customers earn like credit card reward program. Through this reward program customer will get reward points for every transaction through Lloyd's alternate banking channels. Customer will allow paying bills, placing a term deposit, recharging prepaid mobile and transferring funds through any Lloyd's alternative banking channels. And customers can earn these points every time customer swipes debit card. And customer will also allow cash in these points. The researcher recommend to Lloyds Banking Group to provide this reward program. As reward program help to retain customer that leads customer loyalty and on the other hand in this present situation while customer are doing business with different banks, then this reward program attract customer to do business with Lloyds Banking Group. It will improve the percentage of customers who will consider Lloyds as a primary bank.

Lloyds Banking Group should implement Mobile Customer Relationship Management. It is CRM but any where, any time and on mobile gadget. In 21st century Mobile CRM becoming important because of business idea essential to meet up the customer's requirements, has become an gradually more important strategy and technology for Customer Relationship Management execution. It wi本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。