Operators and banks
The imposition of paid services in the form of mobile Bank and SMS-informing is acquiring a bad popularity. Consumer lending is already engaged mobile operators, and banks, in turn, used by mobile operators to facilitate and expedite the issuance of loans to its customers.
About banking products and services well and professionally Jack writes Vildyaev. Do not want to climb on his “territory”, but the banking services and Telecom services is constantly overlap and rely on each other. If once the cooperation of banks and mobile operators is limited to periodic replenishment of the balance with a credit card, now the industry cooperate in various fields. Starting from SMS notification and authorization, and ending with micro-lending, which already began to deal with mobile operators. I’m not talking about all varieties of mobile payments with the phone balance, transfer money from phone to Bank card, etc.
A separate issue is the auto — refill balance with a credit card. Any more once wrote about it, however, the situation is constantly changing and new issues “come out” to the surface. Despite the seeming simplicity and convenience of the service, it has to be connected extremely carefully and with an understanding of potential problems. Otherwise you can make yourself worse and it will hurt.
Another “separate issue” – mobile apps in smartphones. Banks is very interesting: customers spend personal time digging in the settings and banking support your expensive time do not lose. Even the most efficient and wide support in social networks is beneficial to banks and mobile operators that communication with the client is transferred to off-line and one employee can deal with multiple issues simultaneously.
Sberbank write about 20 million active users by application “Sberbank Online”, I believe. Required to have a debit card of Sberbank and consultant in the hall quickly hooked me the complete package (first two months free), categorically stating that this is standard procedure and the map otherwise it is impossible to activate. Was surprised, but believed in the word. Was the initiative of the employee. Then I had to go to the Bank and write a statement on the outage. I hope that it really was the individual initiative of the employee, not the total “hilling” of all open accounts.
As I understand it, the Bank encourages self-service and even takes a discount fee for what the customer does not load the cashier payments and transfers. With all the convenience of transactions via mobile application and SMS payments you need to keep in mind two features:
- Most of the Trojans, stealing money from Bank accounts, writing it under the application of the savings Bank. Not out of sympathy for green, but because of the prevalence, the probability of “guessing” is many times higher than any other Bank.
- Linking a mobile number to your Bank account, do not allow the loss of this number of inactivity. I do not know now, but earlier there were cases when even the “untethered” from the account’s phone number was stuck somewhere in the bowels of the system and continued to work in the office of the new owner.
A little surprise from the Bank “URALSIB”. A few years later the Bank realized that not all the maps are connected to a paid SMS notification and decided to correct this unfortunate shortcoming. Remember, mobile operators were forced to abandon the imposition of paid services, some free period. Most likely, the losses from the fines began to exceed income from such “services”. Now I will have to monitor the banks? I, for example, the mother of all SMS reads. And if the phone number already from the new owner? In General, I don’t like this initiative.
SMS Kredit Alfa Bank
About the interest of cellular operators in services micro-credit we wrote in January, review in here. Interest, of course, cannibalistic, pawnshops and micro-Finance companies. But now we are on another project. Quote from the news descriptions:
“Since February of 2017, the customers of Alfa-Bank can obtain a consumer loan for the purchase in the online store simply enter the code from SMS without having to visit a Bank branch or meeting with the courier. Alfa-Bank is the first Russian Bank that provides this service.
Now, buy goods on the Internet loan has become simpler and faster. The whole process from ordering goods to receiving a loan takes only a few minutes and is completely online. The customer selects a product on the website of the online store and payment method – credit. Then he fills in the online application, and within a maximum of three minutes from the Bank receives the decision on the loan. This decision is final, no further references or guarantors.
Once the application is approved, all conditions of the proposed Bank loan, including the loan agreement and payment schedule, are displayed in a convenient and understandable form to the client to read them. A loan, the customer confirms by simply entering a code from SMS. Then the client only needs to wait for delivery of the selected product. The timing of the receipt of the goods by the customer has decreased significantly, now from the purchase of goods on credit to its delivery to the courier shop is just a few hours.
In fact, the consumer credit agreement is with the use of a simple electronic signature is not required to physically come to the Bank or wait for the courier.
It is convenient and beneficial not only to buyers, but most online store, as proof of payment comes from the Bank immediately.
The first partner with whom the Bank introduced the possibility of receiving SMS credit, was the official online Samsung store online-samsung.ru. Currently, the Bank connects to the service SMS-crediting and other Internet stores using the platform of online lending Alfa-Bank “Buy Easy”.
Really works and the menu item “loans” on the website of the online store of Samsung is present. Offhand, the scheme looks attractive and buy a smartphone or a laptop on credit do work for a few minutes without interruption “the fifth point” from the chair. I wonder what is the interest on the loan? If I am not mistaken, interest rates depends on the quality of the credit history, references, additional documents and guarantees. Here anything it is not required. It appears that cited the credit history. I have a suspicion that the interest on such loans will not differ humanity.
Automation and maximum ease of falling into debt — a good thing. For the Bank and trading platform. Is it good for the buyer? I’m not sure. I have a General Allergy to any credits, lost the joy of your hard-earned holiday purchases. Or is it prejudice? Probably, some things you can borrow, knowingly accepting overpayment. The same washing machine, without which it is difficult to live. But to buy on credit expensive smartphone? Which beats, is lost, is stolen. Eventually get bored and want a new device. A break and then many months to pay for the thing, which no longer should be offended. A trip to the store, picking up information and processing of loan a no, but a deterrent. As you can see, the procedures are changing in the direction of simplification and acceleration. If the Bank thinks you are a “good” borrower, obtain a loan soon will be much longer than to pay cash.
And once again I remind: under no circumstances, never share of strange letters or numbers that came on your phone in SMS. This is the flip side of facilitation. Banks and operators consider receiving a SMS with a code sufficient identification of the owner. Code passing stranger you handed him the “key to the apartment where the money is.”
Surprise-refill balance
Personally, I always thought auto-refill evil, but many people like the peace of mind. And for connected auto payment threshold to MTS even discount offer, profitable! With the advent of Smart tariffs instead of blocking (not enough money to write off abonentki) switching to a daily write-off, unexpected scenarios. As you know, the amount of the daily charge for 30 days will be significantly more license fee per month until such better not to bring. And what happens with the auto-refill threshold?
Situation 1. For example, set a threshold of 50 rubles., and in the day of charging a monthly abonentki not enough money. You never know, wrong or spent the extra. In this case, you will charge daily, until you reach the threshold amount, account credited and will be charged the subscriber for the month. Costly, but not deadly.
Situation 2 is more fun. Fans for maximum savings and simply meticulous people would put the threshold of 2-3 rubles, and the amount of the auto payment put equal ebonblade for the month. It would seem that the ideal scheme without spending extra, but no. On the day of cancellation abonentki billing takes you to a daily write-off and driving the balance into the negative. Then click the auto payment in the amount of a license fee, but the money for monthly subscriber is not enough, and will continue daily write-off. Then the threshold is reached, the pen balance in minus and so on from month to month. And, even the smartphone, you may need to reboot after even the shortest of leaving in a minus, without it the data transmission may not work.
It turns out that a reliable way to protect yourself from trouble and unnecessary expenses — set threshold auto payment more than the monthly monthly fee, but that not everyone will like it. As a compromise, you can put the threshold slightly more than the day in day cancellation. Or the amount of Deposit with reserve. Then at least you will not run into eternal daily regime. In General, as already written in the beginning of the text, when you first connect the auto payment threshold, we must act consciously, being well aware of how this mechanism works. Unfortunately, the programme of incentives (10% discount) MTS operates only on the “threshold” payments, your maximum auto-refill option plan in the program is not involved.
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Cell microcredit