"Iingxowa-mali zeeNkcitho": ukuphononongwa kunye nolwazi

Enye yeebhanki zaseRashiya ezaziwayo - "i-Tinkoff Credit Systems" - isebenzela inzuzo yabemi belizwe lethu ukususela ngo-1994. Inkampani yamkele igama layo langoku, ngenxa yowomnini-nxaxheba omkhulu Oleg Tinkov, onama-68% ezabelo. Kuze kube-2006 ibhanki ibizwa ngokuba yi "Himmashbank".

"I-Tinkoff Credit Systems", ukuphononongwa apho abantu abaninzi banomdla, basebenzisana nabathengi babo basebenzisa ubuchwepheshe obuphambili, kubakho nge-intanethi. Ngeli xesha akukho sakhiwo sebhanki "i-Tinkoff Credit Systems". Inkonzo yodwa kwi-Intanethi okanye ngefowuni. Kubalulekile ukuba uqaphele ukuba le ndlela yenkonzo yenza kube lula ukuqhagamshelana nebhanki. Nangona kunjalo, le nkqubo ayiqondwa ngumntu wonke, umzekelo, abaninzi abantu abaneminyaka ephakathi nendawo baqwalasela inkonzo nge-Intanethi kakhulu.

Kodwa nangona uqwalasela le ngxaki, inani labathengi bebhanki sele selenze ngaphezu kwe-2 Abantu abayizigidi. Indlela yokuncedisa ngeNethiwekhi kwaye ifowuni ibonisa ngokucacileyo abantu abajoliswe kuyo ukuba ibhanki ingathanda ukusebenza. Ngaloo ndlela - abantu abatsha nabasebenzayo abaxabisa ixesha labo. Kufuneka ukuba uqaphele ukuba iingxelo zebhanki "Iingxelo zeNkokhelo zeNgxowa-mali" malunga nomsebenzi wazo kunye nabaxumi zifumana iintlobo ezahlukeneyo, kodwa zonke iinjongo ziya kuqinisekisa ukuba zithandekile kuphela.

"I-hokoff" isebenza kuphela kwimimandla emibini - idiphozi kunye namakhadi ekwereta. Ku Okwangoku, kukho iziphakamiso ezine zamakhadi-mboleko kunye nedizithi enye.

Ibhanki isebenza kuphela ne-MasterCard yokuhlawula. Ukunikezelwa kwemali mboleko kuhluka kwiimpawu ezincinane, umzekelo wemali. Nangona kunjalo, bonke bafumana ixesha lobabalo lweentsuku ezingama-55. Nangona uphando lwama-"Tinkoff Credit Systems" kumakhadi eplastiki luninzi, kodwa abathengi bebhanki bayacetyiswa ukuba baqaphele baze bazame ukubeka esweni isimo samakhadi abo ngokwabo. Kunconywa kakhulu ukusebenzisa amakhadi ekwereta kuphela xa uhlawula ukuthenga esitolo, uzama ukungabi nemali kwi-ATM. Ibhanki, ukuphawula ngempendulo yabathengi, iphinda iphawule imfuneko yokungaxhomeki kuphela kubasebenzi bebhanki, kuba akukho mntu ukhuselekile kwiimpawu zokusebenza zobugcisa, ngenxa yoluphi ulwazi olungenakufikelela kuwe ngexesha.

Ngoko ke, ukuba ulungele ukusebenzisa ikhadi lekhredithi yebhanki "I-Hopko", ngoko unako ukunikezela ezine: ikhadi lekhredithi "MasterCard Gold" - "iNcwadi yeHlabathi", "i-MasterCard Platinum" - "i-Classmates" okanye "i-Platinum ye-Tinkoff", "i-MasterCard World "-" Zonke iinqwelo-moya ". Ngamanye amabonelelo aneebhonasi zayo ezizodwa. Umzekelo, izaphulelo kwiikiti zomoya okanye iincwadi.

"I-Inckoff Credit Systems" ifumana ukuphononongwa ezininzi, kodwa okokuqala, qha ga mshelana nomcebisi onokufumana i-credit card efanele. Oku kuya kuphepha ukungaqondi, kwaye ngenxa yoko, ukucinga okungeyiyo ebhankini.

Igalelo kwibhanki "Iintlawulo zeeNkxaso zeNkcitho", ukuphononongwa okwenziwe ngolu hlobo, olulodwa - "i-SmartVklad". Kuyo yonke indawo kwiimali, kuzo zonke iimeko. Ngokunjalo, inzala (6-11%), exhomekeke kwimimiselo yediphozithi (kwiinyanga ezintathu).

"I-Tinkoff Credit Systems" iphendula malunga naye ngokonwaba kakhulu kwaye ilungisa ngokukhawuleza imiba engahambisani nabathengi. Ibhanki izama ukuhamba kunye namaxesha, njengoko kudalwa imephu "Odnoklassniki" isitshela. Abaninzi sele bekhethile "i-Tinkoff", izigidi ezi-2 - umfanekiso oqinileyo!