Bank Otkrytie: ukulinganisa, inyaniso enomdla kunye nenkonzo yombutho

Ibhanki "I-Otkrytie" iphezulu kakhulu. Ngesinye isihlandlo, le ntlangano yayivakaliswe ngokukhawuleza. Kodwa ngoku akukho mfuneko. Ibhanki "Otkrytie" iye yaziwa kakhulu kwaye idumile. Indawo kwindawo yokulinganisa imicimbi yezemali efanelekileyo kwi-Russia yonke inendawo yesihlanu. Kwaye kukho malunga nama-600 kubo. Ngoko, indawo yesihlanu ingaphezulu kwesibalo esomeleleyo.

Ulwazi jikelele

I-JSC Otkrytie Holding yiqela elikhulu lezemali labucala kulo lonke elaseRussia Federation ngokobukhulu bempahla yalo. Inani labo li-ruble elingaphantsi kwama-trillion amathathu ngexesha likaDisemba 2016. Ziyizigidi eziyiwaka eziwaka. Ngokuqhelekileyo, isibalo siqinile. "Ukufumanisa" yizikhundla ezine kuphela emva kweSberbank, VTB (eMoscow), iGazprombank kunye ne-VTB 24.

Ulwalathiso oluphambili kule ntlangano ibhishini lobhankini. Kodwa ngaphaya koko, u-Otkrytie usenika iinshurensi kunye neenkonzo zokutyalomali. Kwakhona kubandakanyeka ukuphathwa kweefa kunye neerhafu (ukubonelela ngeenkonzo eziphakathi).

Inxalenye ethile yembali

IBhanki i-Otkrytie, ubunani bayo ubuphezulu kakhulu, lwaqala umlando wayo ngo-1990. Ngokuchanekileyo, ngoko kwakhiwa iqela lezemali elifanayo. Ngo-2001, inkampani i-VEO-Invest idibaniswe ne-firmker brokerage Otkrytie. Emva koko wayesebenzisana ngezohwebo. Ngenxa yoko, inhlangano "i-VEO-Otkrytie" yaqulunqwa ngeenkonzo ezahlukeneyo, eyaziwayo kubo bonke abaxhasi beziko. Ngenxa yoko, ngo-2016, ngo-Agasti 23, kwaziswa ukuba iqela elithi "Otkrytie" lidibaniswe. Yena kunye nemibutho emininzi (i-Khanty-Mansiysk Bank, i-NOMOS-Bank kunye ne-Petrocommerce) idibene kwinkqubo enye. Oko kwaziwa ngokuba yi-bhanki "Ukufumanisa".

Kutheni kufuneka intlangano ikholwe?

Indawo yesihlanu kwinqanaba le sizathu esinesizathu sokuthembela. Kodwa ukongezelela, kukho ezinye izinto ezininzi, kwakhona kwakhona ukuqinisekisa ukuthembeka kwelo shishini, njengebhanki "Ukufumanisa". Ukulinganiswa, okupapashwe yiziko lokuhlalutya phantsi kwegama elithi "Interfax-CEA", liyamangalisa. Kuluhlu lwamakhulu amabhanki asemgangathweni eRussia, "Ukufumanisa" kuthatha indawo yesine.

Lo ngumzekelo omnye. I-Arhente kaZwelonke yeeNkcazo, umzekelo, iqinisekisile ukuba "Ukufumaniseka" kunokwentengo. Oku kuboniswa ngamagama amathathu "A".

Igosa eligunyazisiweyo i-Expert RA, kwiluhlu lwayo amaqela angama-600 alungileyo nakakhulu kunawo wonke kwi-Russian Federation, afake indawo yesi-43 (isibonakaliso esihle!) Ngokufanayo ne-bank Otkrytie. Ukulinganisa kunamagama angamakhulu mathandathu, kwaye inyaniso yokuba yayiyi-TOP-50, kwaye kungekhona kumgca wokugqibela, ayikwazi ukukwenza intlonipho.

Umgangatho wexesha langoku

Kwi-intanethi ye-Intanethi, i-Bank Otkrytie nayo yaphumelela. Yiyiphi indawo ebeka kuyo kwindawo, ukuba sithetha ngezimali ze-intanethi? Ukuze ufumane impendulo yalo mbuzo, kufuneka uqhagamshelane nombutho othiwa iMarkswebb Rank & Report. Eli shishini, elibandakanya uphando, uphando kunye nokubonisana nokuphuhliswa kwemveliso ye-intanethi.

Ngoko, ibhanki ye-intanethi yombutho yabelwe ukulinganisa "A" - ephezulu. Le leta ithetha kakhulu. Ukuba ibhanki ye-intanethi yenhlangano, e neneni, iyindawo yokutshintshwa ngokutsha kwesebe lomzimba. Kwaye kuyo yonke imisebenzi yoluhlobo olungenayo intlawulo lwenziwa. Yiyiphi impawu yendabuko ithetha ukutyelela kwi-ofisi yangempela.

Kwakhona, "Ukufumanisa" kwanikezelwa kwindawo yesibini ekulinganisweni kwebhanki yeselula ye-iPad (2015) kunye nesine-kwi-Android Mobile Banking Rank (amaphilisi).

Kwaye, ngokubalulekayo, umbutho ungowomgca we-10 kwiluhlu lweebhanki eziphambili kwi-intanethi, ezijoliswe kumashishini aqolileyo.

Unomdla ukwazi

Ukuthetha ngento yokuba iBhanki yakwa-Otkrytie inendawo kwindawo yokulinganisela, umntu akanakukungaziboni ukuba le nhlangano isasebenza ekukhonzeni abathengi bangaphandle. Yaye yenza njengongcali njengoko kunokwenzeka. NgoDisemba 7 walo nyaka, ngo-2016, inkonzo eyayijoliswe kule njongo yaqaliswa.

Ngaphezu koko, ukuba bakhonze abathengi bangaphandle kumsebenzi kwintlangano, abaqeshwa abakhuluma isiNgesi bayamkelwa, bahluke kwezinye iibheji ekhethekileyo. Ngaphandle kwenkqubo yeofisi, ukuba kube lula, inkinobho yokuthetha isiNgesi ibonakala - ngokukodwa ukubhalwa kumgca wekhompyutha.

Iindaba

Izihlandlo eziliqela ngenyanga, ibhanki "i-Otkrytie", ekuqinisekisweni kwayo kukunyuka ngokukhawuleza, kwenza abathengi bayo banwabe ngolwazi olutsha kunye nolonomdla. Kwinyanga edlulileyo, umzekelo, ngomhla we-16.11.16, kwaziswa ukuba amalungiselelo okubambisana ngokubolekwa kwempahla kunye nokuthengiswa kwezindlu kwakuqalisiwe. Oku kuyiluncedo, kuba yonke ibhanki eqinile kufuneka ihlale iqaphela imeko kwiimakethe zendawo yokuhlala - ngenxa yoko iya kuba nekhono lokubonelela abathengi kwizinto ezikhoyo zangoku.

Kwaye ekuqaleni kukaNovemba, ukufikelela kwisixhobo esinokukhuseleka kunye nesilula kwiintlawulo zethu kwimihla yethu yavulwa. Kwaye malunga ne-Apple Pay.

Ekupheleni kukaJulayi, kwakhona, kwakukho iindaba ezilungileyo. Ibhanki yamkela ukuba kugqitywe ukunyusa umyinge we-credit for pensioners receiving the payment in "Discover". Ngoku ixabiso elikhulu libizwa ngokuba "lihloniphekile". Ngoku kwithuba leentsuku ezingama-91 ukuya kwi-1 115, abahlawula umhlala-phantsi bangafaka isicelo semboleko phakathi kwama-ruble ayi-1,000 kunye nama-200,000.

Ngeenkonzo

Ngasentla kwachazwa ngokufutshane malunga neliphi iBhanki "Otkrytie" eyenzayo. Kwinqanaba leebhanki zaseRashiya kwindawo yesi-5, ngoko kunengqiqo ukucinga ukuba utyalo-mali kunye nazo zonke ezi ngasentla azikho konke.

Ngokwemvelo, ezininzi iinkonzo kubantu ngabanye zinikwe. Iifomethi ezinenzuzo kakhulu - ngokukodwa ixabiso lemali ephezulu "engenayo" kunye nereyithi ye-8.85% ngonyaka. Kwaye kukho iziphakamiso ezinomdla - umzekelo, ikhadi le-Aeroflot. Ngokwezenzo, loo mntu unikwe iikhilomitha ezili-10 000 ezamkelekileyo, kwaye emva kwee-ruble ezingama-50 zichithe-kwi-1.65 m. Ngaphezu kwabo bonke abanikazi bamakhadi-umshuwalense ongenakho xa behamba phesheya.

Enyanisweni, ibhanki "u-Otkrytie" inhlangano efanelekileyo nefanelekileyo. Kwaye akungabazeki, ngokuba amashumi amawaka abantu athemba imali.