Aidar Zubairov
Association of credit and finance organizations of the Republic of Bashkortostan, Member of Council
It absolutely affects. Like any other technological innovation they bring into banking activities new horizons and new opportunities or otherwise – a new tooling. By combining novelty with banking business essentials we inevitably come back to the problems of quality and security.
Constantly undertaken measures that are aimed at actualization and improvement of standards in a situation of happening changes surely guarantee big progress and what’s more - not only in economic, but also in technological situations. Flexible system secures qualified reaction.
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Alla Tsitovich
Uniastrum Bank, Adviser to Chairperson of Governing body of business
To a certain extent yes, in case if the bank is mainly orientated towards the “advanced” clientele of young and mid-age generation having middle prosperity status. Though we have to admit that the generation which is ready to retire within 3-5 years already quite successfully uses the internet and mobile applications, understands the value of these services and that is why, the availability of mentioned services of a particular level can be decisive while choosing the bank.
Currently things are not so optimistic in targeted offerings of banking services. Many have got tired of constant offers of credit and card products by all possible means. Though in case a bank could manage to define the appropriate delivery means of the offer (for example: this particular client much better responds to a phone call rather than to an SMS), the response rate towards mentioned offers would be much higher.
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Alla Soldatova
Eastern Express bank, Director for quality and service
And not only in Russia. First of all the quality of automated transactions is exceptionally higher on the account of its 100% possibility of being monitored and centrally managed. If automation is installed correctly the “human factor” as a rule is minimized.
Secondly, speed is the significant parameter of quality. Possibility of prompt accomplishment of typical operations, for sure, is the principal indicator of quality for many categories of customers.
Thirdly, information systems give way to clients in their choice for any banking transaction for which, as a rule, multiple implementation options exist. At this point - when and where to carry out the transaction is decided by the client himself/herself. This approach develops our clients and they get used to the fact that the bank should be after the client and not vice versa.
Fourthly, they provide wide opportunities of information exchange. Positive as well as negative information spreads out in the internet network with the lightning speed. As of today, the majorities of clients firstly acquaint themselves with the bank in virtual space and after then take a decision on their purchase. They are also able to rapidly compare and choose their bank literally without coming out of their homes.
Undoubtedly, new technologies quite quickly form the new cliental experience and establish new requirements to banks.
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