Tag: Banks and credit

Today it is impossible to provide residents of, say, Japan or South Korea, which do not enjoy the services of mobile banking. In these countries, cell phone for a long time combines the functions of communication, kompyutera.personalnogo Secretary and electronic purse. For example, the Japanese company DoCoMo has recently launched a service whereby the subscriber receives at its disposal a mobile credit card with a certain credit limit for the commission of monetary transaction. Of course, the Russian banks to mobile maps is far, but it is a very good example of great prospects for mobile banking. What is mobile banking, which the benefits it provides to banks and which gives opportunities to their clients? Mobile Banking – it's mobile services, allowing customers to conduct transactions with their contribution and a bank account without visiting the bank.

As any innovative service, mobile banking for the customer in many ways more convenient to traditional forms – telephone communication with the customer service department or a personal visit to the bank, and even of "Internet Banking". Benefits are based on the main features of mobile services: any mobile service allows us to establish with the client a personal, deeply personal touch. The company, which transmits to the client or receiving information from him using his mobile phone can be fully confident in the uniqueness of the client and his willingness to receive the information – that is difficult to guarantee, say, in the case of contact via the Internet. In addition, when a client communicates with the bank through "Internet Banking", his attention is scattered, he is distracted by many other objects, which sees on the screen – this is the feature of internet communications.

We can not say that it is bad (if do not take into account the fact that every motorist will have to pay the insurer, 10 percent of cars): because the bank not only hedged itself, but also insures the customer's (!). So it must be ideal. But in reality? Suppose a client has issued car loan for a period of three years, paid, of course, for everything, for what is believed, has issued the necessary insurance, but a year later bought on credit car was stolen and smashed. Autoowner sacred believed in what the insurance company will return everything to the penny, but there it was … reward the company gives no "hands on" customer, and transfers to his bank account, which is a creditor. Of the funds received is kept debt, and the remaining money is paid to the client. The trouble is that the insured amount barely covers the bank debt, so no client does not receive compensation – this is the first point.

Second, the policy of car loans insurance company provides an environment in which it is the right to refuse payment. For example, no compensation is paid to the victim if an accident hit man, is not inscribed in the compulsory motor TPL insurance policy if the car stolen, together with documents provided by the insurer or not the full set of keys to car. In this case, the customer is face to face with the bank and independently calculated for the car, which actually is not exists. Tricks Another minus insurance car loans – usually the bank, not the customer chooses a company-insurer. And, accordingly, the rates for insurance services are increased sometimes by more than 5 percent.

But this is not everything! Every year the car is aging, and consequently decreases its value. Logically, should be on the decrease and the amount of hull insurance. So it is, if your car is not bought on credit. And if the loan? Then the sum premium will remain unchanged until full repayment of debt. Besides, buying the "iron horse" on credit, the customer loses the ability to pay insurance in installments, while the purchase for cash such service provides all the insurance companies. Should take into account the fact that most insurers are taking under their "care" only cars equipped with alarms. So get ready to fork out for its acquisition and installation. And the last. Making liability insurance (compulsory and) under normal conditions, the insurer takes into account and experience, and driver's age, in the case of the auto loan is only one tariff for all. However, not all insurance companies are above the rules. Therefore, you always have the opportunity to find better conditions and more loyal partners. The big "pluses" Related costs when buying

Experience, spent the scheme implementation services, technical maintenance and guarantee of high quality – are not the only benefits of working with the service provider. Typically, a large ISP has its own data center, which can useful to the bank to conduct marketing research, and capacity SMS-Centers will implement a massive push-feed in the shortest possible time – up to thousands of SMS per second, which enables almost simultaneously notify the entire group list. The main factor limiting the large companies to work with outside organizations in the implementation of such services is the security requirement, and it is a very powerful argument. However, it is Remember that today, competition in the market of content services is so great that a reputation for service providers has become much more expensive than any benefits he could derive from the project. So serious company will always provide the bank all the necessary guarantees. On that same first bank to consider when choosing a contractor for the implementation of mobile banking? Firstly, the presence of the provider of affordable four-SMS-rooms, secondly, the company's expertise in establishing similar services in the third, on how much time the provider is already working in the market and, finally, to the business reputation of a future partner. What next? Mobile banking and mobile commerce abroad is considered one of the most promising directions.

In some provinces, European countries, mobile phones have become, in essence, electronic wallets – using your cell where you can pay in store: send an SMS with the number "purse store, and amount to be transferred. In Japan, released mobile credit cards, and international Internet payment system PayPal has implemented a mobile service, with through which subscribers of any network can pay for purchases online or real stores with a mobile phone. In Russia, everything is just beginning, but today there are not many banks where there is no such service alerts the customer of receipt of wage on plastic cards. And the marketers at most banks now seriously studying the possibility of mobile banking experience and their foreign counterparts. In short, mobile banking confidently striding across the planet, and each bank will sooner or later have to decide: to be left out of progress, at the risk of large losses, or to keep pace with the times, using mobile technology to create innovative services that can provide significant competitive advantages to the bank.