Unusual banking products or service. Unusual loans, deposits and maps offered by banks of Russia. Down with discount cards
ATMs for illiterate, free excursions, loans for sailors - What other extraordinary steps are ready to go banks to attract as much customer as possible?
10. Voice control
Abroad, many banks have long and successfully introduce the synthesis and speech recognition service. So, if you call a credit institution, you will talk to a smart robot that can appreciate what you said and provide an answer. In Russia, such a service introduces TransCreditBank. According to the press service of this organization, thanks to this innovation, along with the existing automation of customer informing, the Bank began to process more than 60% of self-service calls.
9. With a young nails
Some banks offer their customers to issue credit cards for kids. So, according to the VTB24 program, you can make a card for children from 10 to 14 years. At the same time, parents can control the operation performed by the child, to establish limits of the spending of funds, as well as replenish the score.
8. Tour with trick
Many banks in pursuit of new customers carry out non-standard advertising campaigns. So, for example, one Russian credit organisation She planned to arrange a kind of "Road Show". It was supposed to run bus routes for Moscow areas, which have a bank branch. Residents and guests of the capital would be told about the sights, and at the same time about the credit institution.
7. With a loan - in long sailing
Some banks offer special products for representatives of certain professions. So, in one Ukrainian bank there is an offer for sailors. According to the program "Ambula financial help»You can get a loan for any purpose up to one and a half years. A prerequisite for issuing a loan is the provision of a certificate from the crewing agency about previous seamen flights.
6. ATMs "For illiterate"
NCR experts came to the conclusion that about half of the population cannot get out of poverty, because it does not have the ability to use banking services - by virtue of its illiteracy or low-education. That is why new ATMs that use human biometric data were invented. Such ATMs "for illiterate" first appeared in Mumbai, and later spread in other regions.
5. Biometrics guarding security
Banks take care of the safety of their customers, otherwise they will earn them on whom? It is planned to equip ATMs by biometric identity definition systems. To make money, it will be enough to scan fingerprints and enter a pin code. The technology also allows you to identify the client on the retina of the eye.
4. "Talking" ATMs
For the convenience of people with problems in states and Europe, special "speaking" ATMs are established. All instructions and explanations are conducted by the device through special headphones, in order to transmit information not to be heard by third parties. However, in our country, such ATMs are in remote plans. Maximum, to which blindness can count now, - a small number of ATMs equipped with a speech assistant. But they are installed only in those enterprises where blind.
3. Olympic need
Specially equipped ATMs for people with disabilities are generally rare for our country. Amazing but this is social an important question The driver of change has become ... Pre-Polympic Race. Specialized ATMs will be installed before games in Sochi. It is noteworthy that these devices are created from scratch, and not upgraded from the already existing ATMs, as Americans and Canadians did. The height of such ATMs will be no more than 1.2 m. It is surprising that the whole country is still not equipped with such devices.
2. Bank for migrants
Many European banks are developing special products for migrants. So they declare a strangement war with all informal ways to transfer and storing money. A huge number of migrants earns money in Europe and forwards them to their homeland. When it goes against the current financial traditions, the banks are indignant, because they are not part of the profits. In Russia, some banks also introduce special products for migrants. So, noted in this, for example, SKB-Bank. This credit organization has made significant discounts for money transfers In Kyrgyzstan, Tajikistan, Uzbekistan.
I recently returned from Paris. Now how many times come back, I am striking as people know how to do everything beautifully. It does not matter that it is: monuments, fountains, houses, food, clothing, bank buildings. By the way, about banks. I am still under the impression of Paris Paribas, located in the heart of the French capital on Place De L Opera.
See also: The most unusual ATMs in the world (photo)
I could never think that a tedious strict establishment as a bank may look so luxurious. It's just some kind of palace. Here even, I tell you, I want to carry money for saving.
Here you can drink coffee, look at the paintings, chat with a banker without any windows and partitions - in general, everything for people. And not how we often happen: gray walls, hung by ads and advertising, dim light, queue, and unceremonious cashiers, often not knowledgeable Run and what to do.
Fitratsya Grossі zherіgayuzhuzhuya at "Oschadbank"! Navіt the Jacgshcho dust, then not the fact, Shcho Tobі, Purchase yogo, know the sermless Sirichi Sirich Vivosok! Before that there is postіino, a tent of Babos, Yaki is ready to lie for your pensі's kili. Uncle Venya. barbel
That's what prevents us from doing everything beautiful? If we ourselves cannot come up with, you need to post on others. I'm just convinced that the money requires a beautiful and extraordinary space, because beauty saves everything, including money.
See which cool banks exist in the world.
Bank of Asia, Bangkok, Thailand
The robot-like building of Asia Bank is one of the most photographed in Bangkok. There is a legend that the architect on the construction of such a building inspired the favorite toy of his son. I wonder what he detects, when his child was played, for example, Cheburashi.
Sberbank of Spain, Vitoria Gasteits, Spain
We transfer to Spain. How do you like such an openwork bank? It is simply impossible to pass by such a building. By the way, his architects gave their demanded name - "Living House". I do not know how much he is alive, but unforgettable is for sure.
GQ Bank, Tokyo, Japan
And here is the banking miracle of Japan - GQ Bank in Tokyo. This black and white bizarre building 33 meters altitude cannot be bypassed. By the way, the Japanese, as always, hide a deep meaning in everything. So here: the drawing on the facade of the building symbolizes cash flow in our life.
Saxo Bank, Copenhagen, Denmark
Not only the Japanese encrypt the meaning in buildings financial institutions. The external walls of Saxo Bank in Copenhagen are "cut" with white diagonal stripes. It turns out that it symbolizes the balance between stability and dynamic development. That's how! If you need stability and growth - carry your money here :)
And here you can eat, relax and stroll through the wonderful screw staircase.
Pufa Bank, Shenyang, China
Such a cute bank coin. And the 12-storey coin.
Sugamo Shinkin Bank, Tokyo, Japan
To everyone who believes that the bank should look strictly and restrained, I advise you to look at the color building of Sugamo Shinkin Bank in Tokyo. Why live boring if there are so many colors?!
Paris Bank, France
In the very center of the French capital, there is an amazing beauty building, reminiscent of the palace rather than such a strict establishment as a bank. Nevertheless, this is the PABAS bank. There are no gray walls, dull lights, queues and unceremonious cashiers in this bank. There are no partitions and the windows, and you can talk with a banker while sitting in a beautiful hall on cozy furniture, and if you need to wait, then you can pass the time for a cup of fragrant coffee. Such a bank really wants to entrust your finances.
Bank of Asia, Bangkok, Thailand
One of the most photographed Bangkok buildings is a robot-like bank building. There is a legend that the toy of his son inspired to design such a building of the architect.
Sberbank Spain
Spanish Sberbank has an amazing openwork architecture. To pass by and not pay attention to it is impossible. It is as if cut out of paper. Architects called him a live house.
GQ Bank, Tokyo, Japan
The Black and White 33 Meter Building of the Tokyo Bank is built, like everything in Japan, with a deep meaning. The drawing on his facade symbolizes the influx of money.
Saxo Bank, Copenhagen, Denmark
The walls of this Danish bank covers white diagonal stripes, such a picture symbolizes the balance of development and stability. In the bank's lobby, an amazing spiral staircase is striking. And in this bank you can relax and eat.
Pufa Bank, Shenyang, China
And the Chinese bank is built in the form of a coin. 12-storey coin!
Sugamo Shinkin Bank, Tokyo, Japan
Architects who designed this bank are confident that the bank should not look gray and boring, so they built an interesting style and painted in all colors of the rainbow building.
Would you like to keep your money in one of these banks? But before carrying money to the bank, they need to earn. How to make money online without leaving home you will learn on
We can't come up with something? Copy! There is nothing crazy about it. Copy - learning element. The Chinese fake the world not from pathological thrust to piracy - they are so learn. Introducing 10 retail banking products to copy and make our lives if not better, then surely more fun.
1. Teach to save
8. Gift cardsvS Cash
About 40 million Russians are people outside banking services (Unbanked People) - youth, lonely mothers, incomplete families, labor migrants, default borrowers, residents of villages and small cities, etc. But at the same time, these people are or may become high-quality bank clients. The Wonga project issues rapid micro-loans on the Internet - their customers are either youth, or office workers who for any reason are needed fast money "to salaries". Provident works more offline - works with people who for any reason can not take money in the bank, and credit expert It may visually assess if what to pick up in the case of which the borrower at home. In Russia, the microcredit market is divided with pawnshops and fraudsters. However, civilized companies come to this market - for example, "home money" or "migcit." From banks to this market recently came "Trust". Around the world, microfinance helps to fight poverty - people are given the last chance, help with financial knowledge and handling of money, and gradually involve in classical bank products with normal rates. What way the microcredit will receive in Russia - "Fighting Poverty" or "Infinite Caurba for Financially Illiterators" - time will show. My opinion is that large banks, in view of the developed infrastructure and long-term planning, more chances to start microcredit on the first path.
10. Down with discount cards!
One of my friend said that if any bank comes up with a map that will combine all its current discount cards, he will choose this card and this bank, no matter how much it cost. I am sure that you or your friends came a similar idea when you were thinking how to keep all this multicolored plastic or why you do not have a discount card with you at the time when it is needed. You are trying to fight this problem. Here, for example, 2 projects. MobilePayusa.com allows you to register, enter discount card data, designate the points of most frequent purchases, and then get special offers from outlets and pay in them without carrying discount cards, and Cardmobili.eu is not so much digitized by the discount cards themselves (although This app does easily), how much creates a universal platform for companies that want to produce and take various discount cards.
December 2, Russia celebrates the day bank employee. In honor of the holiday website Prepared an overview of the most unusual buildings of banks from around the world.
200 pieces of green
American bank building PNC Bank. Nothing differed from the rest. So far for his redesign did not take Cary Katsander (Kari Katzander) is Mingo Design.. She decided that the bank was very "to face" there will be greens. The idea approved. Since then, a giant living canvas with an area of \u200b\u200b221.109 square meters has been banging on the facade of the bank. m. On its manufacture passed 206 panels 61x61 cm.
Bank as art
German architects out Behnisch, Behnisch & Partners Want to make the building of the Hannover Bank NORD LB. "Futuristic, but speaking about your appointment." The first point is implemented perfectly, and the second ... Guests of the city periodically enter NORD LB.Having accepted him for the museum or art gallery.
Cash rainbow
Rainbow Tokyo Bank Sugamo Shinkin Bank. - Draft French Architectural Bureau Emmanuelle Moureaux Architecture.
Robot with financier making
No less creatively thinks Thai designer Samet Jumsai. (Sumet Jumsai.). With his light hand Bangkok Bank of Asia. In 1986 he was like a robot. By idea SAMETA, New design has become a symbol of computerization of banking.
Intellectual approach
Austrian architect Rainer Koberl (Rainer Köberl) I managed to cross the Louvre and a chessboard. At the exit, it turned out an unusual building of the bank European Bank BTV. In Innsbruck.
"Pixelized" Bank
"Pixelized" Norwegian bank DNB NOR. - work of Dutch architects from MVRDV..
Bank with Street-Art
Unusual building of the South Korean bank Hana Bank. Admires Seoul guests, and local serves as an excellent landmark.
Bank- "Sorryokozka"
Chief Office of the Dutch Bank Ing House Bank. Looks at the world through the eyes of the insect. Draft Bank - "Sorryokozki" developed creative centers Meyer EN Van Schooten Architecen.
Bank with built-in garden
Architects from Herzog & De Meuron Created a concept of a new building headquarters of the Spanish Banking Group BBVA..Articles on the topic
