Most banks worldwide are digitizing banking services, and the challenges that their clients have to face are identical – changing their habits and accepting that digital banking brings multiple benefits. Thanks to online banking, bank clients have access to their accounts and transactions at any time of the day, from the comfort of their homes, without having to go to the bank in person.
Digitized banking processes are significantly faster than traditional ones, so time savings are enormous, while advanced technologies are built on high-security standards. The green context of online banking is particularly significant: the use of paper is significantly reduced, thus saving trees, the emission of carbon dioxide is reduced because clients do not have to come to the bank in person, and all banking processes are faster and more efficient, which reduces energy consumption.
We spoke with Nemanja Tomić, a member of the Executive Board of ProCredit Bank, the first 100% online bank in our country, about digitization in banking and what we can expect as the next development stage of banking services begins.
“ProCredit is the first bank to recognize the numerous benefits of digitizing banking processes for all client categories. Hence, it was one of the first banks in the country to digitize its operations and open 24/7 Zones where clients can do all types of transactions independently, 24 hours a day. This was a big change for our clients and a serious challenge for our business, but when you dare to go down the digitization path, you very quickly prove to yourself and your clients that both of us are at a huge advantage. People really like the fact that they can open an account, start saving, and get a loan online without having to go to the bank in person. We save time, energy, and other resources and reduce pollution as everything is done faster and safer. The development of banking processes with the help of digitization has to align with the bank’s business strategy, annual plans and client target groups. Until last year, ProCredit Bank was the No. 1 bank for small and medium-sized enterprises, and the urban part of the population was already used to digital devices and online processes. As of this year, ProCredit Bank is opening up even more to doing business with individual clients, as we can offer them truly competitive products and conditions. Such goals imply a double upgrade of digital processes“, Mr Tomić explains.
IN FOCUS:
- SUPPORT FOR THE IMPLEMENTATION OF INNOVATIVE SOLUTIONS FOR A SMOOTH GREEN TRANSITION
- WITH THE NOVASTON TEAM, SCHNEIDER ELECTRIC HAS LEED PLATINUM CERTIFICATION
- CEEFOR IS DESIGNING ANOTHER POWER PLANT
In 2024, ProCredit Bank’s services will remain digital while the bank continues to invest in its performance to make it even more efficient and simple. Earlier this year, the bank launched a new m-banking application and continues to innovate.
As Mr Tomić points out, in 2024, ProCredit will be recognized for its improved quality of communication with clients.
“Through face-to-face communication in our branches, we will now draw even closer to our clients. As of this year, advisors will again be available in our branches to answer all your questions and doubts and provide any type of assistance. The banking processes remain exclusively digital, and the advisors, as a ‘humane upgrade’ of digitization, will boost the quality of all retail banking services. By talking to people face-to-face, which includes assisting clients on the spot, we are confident that we will transform into a completely tailor-made bank to all population segments“, he adds.
ProCredit Bank says that its business is already quite simple and fast. It doesn’t ask unnecessary questions, saves clients time and other resources, is competitive with its offers, and will build a more intimate contact with clients through advisors in the bank’s branches.
“If you ask me about the next step in digitizing financial services, it is exactly this – a human moment. I am confident that this concept provides a full set of modern banking, which our clients deserve“, concludes Mr Tomić.
ProCredit Bank
Read the story in the new issue of the Energy portal Magazine SUSTAINABLE ARCHITECTURE AND FINANCING OF GREEN CONSTRUCTION
