Martie a fost o luna memorabila pentru TBI Bank si avem o multime de lucruri planificate si pentru luna aprilie. Iata buletinul nostru periodic cu ceea ce am realizat luna anterioara si ceea ce este planificat pentru luna in curs. Buletin lunar: ce e asta? Vezi de ce am inceput acest nou format. Dar asteapta, mai intai citeste cea mai noua editie!
Luna martie la TBI Bank, pe scurt
O numim luna femeii
si a fost plina de surprize placute.
Ce am realizat
Explorati Razgrad, Ruse si Vratsa
Sa speram ca auzi si citesti multe lucruri despre calatoria noastra de transformare digitala. Da, a fost o cerinta principala pentru echipele noastre din Bulgaria si Romania si, da, din ce in ce mai multi clienti pot profita de numeroasele noastre solutii digitale pe care le oferim online. Acest lucru nu inseamna ca ii lasam in urma pe cei care inca prefera sa ne viziteze sucursalele.
Am anuntat deja rebranding-ul pe etape si reimprospatarea retelei noastre de sucursale. In luna martie, sucursalele TBI Bank din trei orase din Bulgaria – Razgrad, Ruse si Vratsa – au capatat noul look proaspat si atractiv. Clientii nostri de acolo vor beneficia de un aranjament confortabil si se vor bucura de acces mai rapid la finantare si la alte servicii. Ne-am intampinat clientii cu baloane si prajituri la inaugurare, unde au fost prezenti si cativa jurnalisti locali. Asa cum se vede, reimprospatarea unei sucursale este o stire adevarata.
Atractie in Praga, entuziasm in Sofia
Pare ca am luat o pauza de la treburile noastre principale – am participat cu prezentari la doua evenimente majore ale industriei, in Praga si Sofia. Credem ca acestea sunt nu doar un mod de a arata planurile si realizarile TBI Bank, ci mai mult o contributie la o societate fintech mai puternica. Inseamna conducere prin exemplu si aceasta este tot o prioritate de business.
Deci ce s-a intamplat? La LendingUP! din Praga, prima intrunire europeana dedicata celor mai fierbinti tendinte din segmentul creditelor de consum si pentru IMM-uri, Petr Baron a prezentat viziunea noastra strategica si a oferit cateva ponturi explicand cum ne impartim clientii principali si cei tinta pentru creditare. La mai putin de o saptamana dupa acest eveniment, a urmat al doilea, anume Summit FinTech din Sofia. Si a fost un eveniment pe cinste – cu de doua ori mai multi invitati ca anul trecut si vorbitori din toata Europa. Dar totul a inceput cu prezentarea noastra despre povestea TBI Bank si pozitia unica intre G.A.F.A. (Google, Apple, Facebook si Amazon), factorii perturbatori si bancile traditionale. Intro-ul video chiar a cucerit audienta formata din peste 600 de profesionisti din fintech si business, jurnalisti si multi altii. Verifica acest fragment din prezentarea lui Petr Baron – sunt vremuri provocatoare, dar suntem pregatiti pentru ele.
Inca nu ne-ai vazut pe scena. Si luna aprilie va fi plina de actiune, cu reprezentantii TBI Bank vorbind la Finance Tech Forum, conferinta Succesul in E-commerce si la The Sound of Money Summit din Sofia.
Partia de aur
Sa castigi aurul e greu, dar sa pastrezi locul 1 e si mai greu. Simplu, dar adevarat. Cand am auzit ca Evgenia Dimitrova-Gontcheva a noastra a castigat, pentru al doilea an consecutiv, ambele discipline la grupa ei de varsta in competitia traditionala de ski din sectorul bancar, am fost foarte incantati. Nu atat de mult precum echipa care ne-a reprezentat in Borovets, dar am impartasit emotia. Si pentru ca Olimpiada de vara pentru sectorul bancar e foarte aproape, provocarea sportiva e acceptata.
Unde am esuat
Este locul 3 suficient?
Probabil ca nu. Dar sa fim selectati printre cele mai bune trei Proiecte IT majore de companie printre alte 16 nominalizari ne-a facut mandri, din moment ce premiile Proiectul IT al anului oferite de Asociatia Bulgara de Tehnologii Informatice (BAIT) reprezinta cea mai prestigioasa recunoastere a industriei (fara gluma, sunt numite „Oscarurile IT&C din Bulgaria”). Si am obtinut locul 1 pentru un alt proiect IT in luna februarie. Chiar si locul 3 arata ca ne indreptam in directia potrivita. Este bine sa stim ca inca mai e loc de imbunatatiri. Asteptati-ne pana in 2020 cu aceste premii pentru Proiectul IT al anului.
Promisiunea noastra
Bani si mai rapizi pentru un elefant sau pentru un toaster
Cu aproape un an in urma, o echipa mixta cu specialisti din șase departamente a inceput sa lucreze la un nou proces, numit Scoring continuu. Atat de mult timp, atat de multi colegi – trebuia sa iasa ceva magic. Si intr-adevar, e un instrument inovator de calculare in timp real a capacitatii de credit a clientilor nostri, permanent (ok, nu e magic, ci un instrument de risc cu o multime de date si automatizare incorporate). Scoringul continuu reduce la minimum asa-numitul Time to YES (adica timpul necesar pentru aprobarea creditului). Pe scurt, ne ofera intelegere asupra capacitatii curente de credit a clientilor nostri si daca e suficienta pentru a le garanta suma ceruta. Asa cum colegii nostri de la Business Solution Studio au aratat: „Clientul afla in timp real daca poate lua un imprumut cash si daca poate cumpara un elefant sau doar un toaster din magazin”. Sunt amuzanti, trebuie sa recunoastem.
Modelul de scoring continuu va fi lansat in urmatoarele luni si clientii nostri vor fi informati prin SMS, in timpul platii ratelor, prin telefoane directe si foarte curand prin aplicatia noastra de mobil despre capacitatea lor de credit. Este o situatie castigatoare de ambele parti: de acum incolo, clientii nostri vor primi raspunsuri mai rapide privind aprobarea imprumutului si vor fi multumiti, in timp ce noi, la TBI Bank, demonstram inca o data ca imbunatatirea nivelului serviciilor pentru produsele noastre este principala noastra prioritate.
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