Ponova by OTP Bank – step towards client`s needs and service beyond the bank
Beyond the bank services, such as Ponova by OTP Bank, are the response to a client`s need in receiving maximum bonded services on one platform. Said Oleg Klymenko, Member of the Management Board of “OTP BANK” JSC responsible for retail business development during conference Digital Lending 2024.
“We offer Ponova by OTP Bank clients a marketplace, where one can buy a used car. A large number of partners were united – about 60% used cars sellers, which is 20 thousand cars, ready for buying. All cars can be bought on a loan, there is a personal manager for every client and Bank provides a support of the agreement. So we “solved all pains” of the client, who wants to buy a used car”, - emphasized the banker.
As O.Klymenko noted, other tendency in a retail services is that, banks massively develop term loans. “Essence and form of loans, for which private clients are applying to banks, have change. Today 60-70% of all requests are installments and cash loans. Before 2022 situations was different, part of installments and cash loans was 30-40%. That means, that now clients are arranging mostly term loans, and banks are massively developing this direction”, - emphasized he.
According to him, installments almost by 90% are connected with digital direction. “This client`s experience
is developed when the customer knows that they can use it whenever the need arises. The main magic is connected to that, which digital products and bank`s services are helping to receive this experience”, - said the banker.
O. Klymenko told, that OTP BANK suggests several types of installments, which are available in OTP Bank UA app. “Client has a choice. For example, one can chose goods in a shop or on a partner`s network website, and then purchase it on installment - this is “Skybochka by partners”. On the other hand, you can do the opposite – first buy something, and after receive your money back on a card at the expense of credit limit. This is reinforcement on installment, which we are actively developing”, - he said.
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Public Joint Stock Company OTP Bank is a subsidiary of OTP Bank, which is the largest independent Central-Eastern-European banking group. JSC OTP Bank is one of the largest domestic banks, a recognized leader in the financial sector of Ukraine. The Bank provides a full range of financial services to corporate and private customers, as well as to small and medium enterprises. The bank entered the Ukrainian market in 1998, and since then it enjoys a staunch reputation of socially responsible, reliable and stable institution providing its consumers with services of European quality standard.
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