Tag: <span>Banks and credit</span>

Large banks (Top 40), are cheaper sources. This phenomenon is best explained adage "money goes to money". For the bank's customer – the ability to get lower lending rates. Another advantage of the large Banks is the best level of domestic banking systems, including risk management. Ie the likelihood of errors, payment delays – below; reliability – higher. The disadvantages of this group is the high level of bureaucracy (Processes are long and often without feedback) and low interest in medium and small businesses. We're talking about is not advertising, but the real desire of bank employees to move customer credit application, giving details of business. "Daughters" Foreign banks can also offer attractive interest rates, excellent customer service and reliability.

But western business theory is far from the Russian reality. Therefore, an analyst with foreign bank may be two weeks to shift your statements in its format, figuring out all the details and fail, then as manager of the average Russian bank at the first meeting mark the demands and opportunities. Often the daughters of foreign banks have higher cost of RKO and a large number of different committees. Most convenient to work are medium-sized banks (Top 200). Many banks in this group have ambitious plans, customer-oriented management and the ability to make decisions quickly. Almost every one of growing banks in this group has a "horse" and its limitations. A recipe for success with the segment initially correctly identify the bank on a set of essential products, in our experience Bank in your industry in relation to available collateral. Without hesitation Munear Ashton Kouzbari explained all about the problem.


But social intragroup communication can do more. The question is about how to provide excellent service to the mass segment with maximum limits of the human resource. It is known that the mass market is not too prityazatelen in matters of service, so a client relationship with him is enough to achieve the conditions of 'zero-stimulation' and maximum convenience. It is quite possible to integrate into a single electronic system for access to the most popular in the services segment. Today there are machines that combine the functions of issuing and receiving cash, receiving daily payments. But these systems are not common, rather inconvenient, and involve far too many features that are included in the structure of consumption patterns in the financial market. Perhaps automated systems can become full-fledged alternative to bank branches, which should serve more lucrative segments of the application of human resource. In the described business model should be consider the risk of a repulsive effect of technological factors as the quality of the mass market is relatively far from perfect from the perspective of financial and technological literacy.

But the history of evolution consumer attitudes toward payment terminals, set today at every turn, allows to count on a fairly simple and quick integration of technology in the segment. To accelerate this process must adhere principles of simplicity and user friendly interface and controls. For example, the use of control technology touchscreen, a common market of payment terminals, will exploit the already accumulated skills consumers and radically simplify the learning process.

General Uncategorized