GfK research company and Marcs international research center published a jointly compiled list of the most interesting banking innovations of 2015.
For the selection of innovations, monitoring was used on the websites of banks operating in Russia and included in the top 100 in assets. Also taken into account the data of 12 specialized industry sites, whose subjects are banks and finance. And an online survey was conducted of 600 people from cities in which from one hundred thousand people live. They were asked to choose the three most interesting services from the proposed list (without specifying a specific bank).
Introducing you top 5 most popular banking innovations in Russia.
5. Instant issuance of an unnamed plastic card
Of all the respondents surveyed by GfK, 28% like the opportunity in 10 minutes to get a card at the bank’s branch that is not linked to the customer’s name. Alfa-Bank launched such an innovation. To get a card, a client must use the services of Alfa Bank, that is, his personal data is already in the system.
4. Scanning documents using a smartphone
People aged 30 years and older greatly value their time. Therefore, they most liked the ability to scan payment and other data through the smartphone’s camera (using the QBank application), rather than manually typing it. The creators of the application took care of the possibility of scanning receipts to pay for utilities, scanning a payment card (to link it to the application or transferring to another card) and scanning the driver’s license and vehicle registration document. The last option is useful to those who need to pay the traffic police fine. For the first time, such a service was launched by Svyaznoy Bank, and 29% of those surveyed during the GfK and Marcs survey voted for it.
3. SMS fines and tax notifications
This innovation of Binbank was noted by 33% of respondents. This service allows you to pay on time any debts to the traffic police, the Federal Tax Service and the bailiffs. To obtain information about taxes in the personal Internet account of the bank, you need to specify the TIN, and in order to receive an SMS about fines for the traffic police - the number of the car registration certificate or driver’s license.
2. Payment for purchases using a smartphone
What could be simpler: I attached the mobile device to the terminal at the store cash desk and all purchases were paid immediately. No need to rummage through your wallet in search of the right amount, and catch the impatient looks of the cashier and other people in line. Such a convenient innovation, which was first launched by Surgutneftegazbank, was especially noted by 39% of respondents.
1. Transfer money to a card from a card of another bank
In first place in the ranking of the most popular Russian banking innovations is the service offered by Binbank since March 2015. Most of all, the opportunity to replenish their card online from cards of other banking organizations online was liked by residents of cities with a population of 300 thousand or more (45% of respondents). And noticeably less interest in it was shown by residents of small and medium-sized cities (from 100 and 249 thousand people) - 35% of respondents.
