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More than 60% of loans in Post Bank are approved with the help of State services
State services for confirming income, including Digital Profile, made it possible to approve and issue about 60% of loans at Post Bank. Since the beginning of the year, the share of applications with income confirmation in this way has grown 2,5 times.
According to EastRussia in the press service of the Post Bank, the data on issuing loans was shared at the forum of ecosystems and marketplaces from financial and related industries "FinWin 2021" by the Deputy President - Chairman of the Board of the Post Bank Pavel Tulubiev. He noted that the "Digital Profile" allows the bank's clients to use a confirmed account on the State Services to fill out an application for a loan faster. In addition, it increases the approval rate of applications.
At the same time, some of the fields of the questionnaire are filled in automatically using data from the State Services. Here, without leaving the bank application, the client agrees to receive information from the Ministry of Internal Affairs, the Pension Fund, BKI and other departments. Additional documents are not required.
Pavel Tulubiev also noted that in the Post Bank, among other things, it is possible to confirm an account on the State Services. This can be done both in the branch and remotely in the application, if you are already a client of the bank. This service has already been used by about three million Russians.
Thanks to the work in the same ecosystem with the Russian Post, the bank's agent network includes 18 thousand service points based on post offices. Here you can open a bank account, apply for a card or a loan and receive all basic services, as well as withdraw money from any card. At the same time, the bank has implemented popular postal services: in the application, you can track the parcel by the tracking number.
At the same time, despite the development of remote services, up to one million people come to the bank branches per month. And about 70% of clients receive individual loan offers. The Real Time Marketing CRM technology has been launched in the network of post offices. It processes up to 20 requests per second, while it takes an average of five to 40 seconds to generate offers for loan products, and integration with mobile and Internet banking allows instant personalized offers to customers. As Tulubyev noted, this increases the conversion of loan proposals into contracts by 40%.