the Pandemic of coronavirus seriously changed the plans of the Russians. And not only the current. Many are forced to migrate or even to cancel the long-planned large purchases, such as apartments or cars. Not always the cause of financial situation, just quarantine restrictions often make the buying process extremely inconvenient, if not impossible. And here the citizens came to the banks. They have developed a technology that completely changes their relationship with customers.
“My dream has come true! I’m really pleased that he brought this “swallow”, a long — awaited purchase — a gift for parents. Moreover, it is a great premiere on the financial market is one of the country’s first online transaction with the loan.
“the New technology that we launched, allowing clients whom we used to send to the Department with the aim of identifying, collecting paper documents, confirming solvency being at home to receive these services,” said Deputy President and Chairman of the Board of PJSC “VTB Bank” Anatoly Printers.
From dream to purchase — just a few hours. The minimum package of documents — just the passport and Bank statements. A car virtual.
Strictly observing social distance, Russian banks closer to their clients. To open an account or arrange the loan and remotely.
“We learned how to update our programs, develop new applications remotely,” said Anatoly Pechatnikov.
now If this format rather a forced necessity, then a year later, according to experts, this will be a mandatory minimum.
Go online does not mean to close the traditional Bank branches. They, of course, becomes smaller for the last two years the number has decreased by almost 10 percent, but they continue to work even in the new environment.the third — in masks, gloves and with almost no paper. Document now also in digital format. The economic effect from the introduction of such technologies by 2022 could exceed half a billion rubles. A large part will save on paper, because the customer’s signature is also now electronic — it helps to draw in the Bank.
Aisulu Kasalova from Tyumen told me that she made a digital signature. She signed a loan and equity participation agreement. This purchase was from home, and those across the country — thousands. The average rate to 9.5 percent, housing with state support.
From 1 June on behalf of the President to issue a mortgage online can be in all large Russian banks.
