Alternative Distribution Channels Prihvat kartica CRM Elektrons ki kanali distribuci je Agenti&K...
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Transcript of Alternative Distribution Channels Prihvat kartica CRM Elektrons ki kanali distribuci je Agenti&K...
Alternative Distribution Channels
Card business
Raiffeisen Banka dd BiH, Market Banka at that time, issued its first cards in 1999 and by now it
has expanded its range of products to more than 20 different products
Raiffeisen Banka is the first and only bank in BH which has its own processing centre, i.e. in-house
data processing
The original software was changed in 2006 as the needs for technical improvements were
recognized
Card Business
Raiffeisen bank offers debit, credit and charge cards which enable access to clients’ accounts 24 hours a day anywhere in the world, offer support when the client needs additional funds, and make possible simpler and more precise monitoring of spending.
Cards have the following advantages:◦ It is not necessary to carry cash; ◦ It is not necessary to convert currencies abroad; ◦ Payment is simpler and safer; ◦ Monthly statement received at home address makes possible survey and
control of transactions, and consequently, a better insight into finance and spending!
By a good quality offer of internationally accepted payment cards of the best known card companies in the world: MasterCard, Visa and Diners, American Express, Discovery, JCB , we make every day shopping of our clients more pleasent and safer.
Cards are accepted in banks, ATMs and many POS terminals installed at points of sale.
Debit cards
Advantages for the client
◦ Simple use◦ Control of costs
◦ Safety◦ Payment of goods and services
◦ Possibility of using the allowed overdraft (if card is used also for receiving wages)
◦ Using of other services
Credit/Charge cards
Advantages for a client
◦ Simple use
◦ Simple procedure when extending a loan
◦ Constantly available credit for bigger purchases
◦ Increased payment ability
◦ Use for paying goods and services
Business cards
Advantages for a Client
◦Simple use◦Use for paying goods and services
in the country and abroad◦Deferred payments ◦Simplicity in settling obligations
(all costs incurred by using all cards are settled only once - upon the Bank statement)
◦Increased payment ability
POS Acceptance of Cards - Merchants
Simplicity of use without making queues at cash offices
Discretion in payments
Decrease of costs and risks of handling cash and depositing receipts
Safety and reliability of money transactions
Prevention of frauds of merchants
POS Acceptance of Cards - RBBH
Increase of safety and reliability of POS terminals and authorization (old terminals which were not compliant with PCI DSS standards are replaced)
Implementation of PCI DSS Standards on POS Terminals
Training of merchants for working according to the PCI DSS standards
Implementation of PA DSS Standards on POS Terminals
Training of merchants for work in accordance with PA DSS standards
ATM – Acceptance of Cards
Increase of safety and reliability of ATM terminals and authorization
Increase of availability of ATM terminals
Motivation for using ATM Terminals
Implementation of PCI DSS Standards on ATM Terminals
Prevention of ATM frauds
Electronic Distribution Channels
Internet banking service for legal entities has been put in production in 2001
Internet banking service for physical entities has been
in production since January 2009
Since 2009, RBBH has had in Its offer Internet banking
with SMS password authorization
RBBHnet
Raiffeisen Direct Net
Raiffeisen Direct Net via SMS
Electronic Distribution Channels
Advantages for a Client
Access to accounts 24 7 365.x xSimple, fast and safe payment channel.Saving money and time.Direct channel of communication with the bank.
Electronic Distribution Channels
Advantages for a Bank
Reducing the burden on traditional distribution channels.
Saving the costs of processing orders.Strenghtening the Client – Bank relation.Increasing the number of loyal clients.Good quality channel of support to sale.
Electronic Distribution Channels
Challenges which we Face
Meeting security standards
Acceptance of the electronically processed order in state institutions
Introduction of electronic operations at the state level with purpose of connecting the bank system of electronic payments with state administration and public services
Electronic Distribution Channels
Plan of Development of Electronic Distribution Channels
Improvement of the existing services
Implementation of Mobile Banking Service
E bpp – electronic bill presentment and payment
THANK YOU FOR YOUR ATTENTION!