- Implementation of the „Clean Air” credit, „My Electrician” leasing and “Green Cash Loan” – contributing to Energy Transition. Over 43 thousand of customers has benefited from the offer in 2021
- Over 16 thousand photovoltaic installations financed for individual customers
- Launch of a new product on the market to support Circular Economy – Long-term rental of durable goods for individuals
- Unified and simplified cash loan application process across the entire Sales Network
- Digitalization: further chatbot implementation, simplification of the credit card and cash credit application, new process of credit limit increase and online payments
- Implementation of the virtual Credit Card
- Possibility to split a card transaction into instalments at the terminal within Mastercard “pay in instalments” programme
- Implementation of new functionalities in Internet banking allowing for post-sale card processing
- Open banking – developed full set of features to enhance customer experience, well tested in e-commerce activity – Bank as a pioneer
- 75% of agreements for installment loans are concluded within the „paperless” process implemented in cooperation with Autenti
- Launch of a loan offer for new partner Jaguar Land Rover
- Starting HRV (High Residual Value) loan for KIA brand under the name Smart Loan with high repurchase value
- Re-opening of the lease loan at dealers after the COVID freeze
- Launch of the HRV (High Residual Value) leasing product for KIA brand under the name Smart Leasing – leasing with high buy-back guarantee by the dealer
- Modification of the sales platform for long-term rental was introduced in order to adjust it to the needs of cooperation with car dealers and brokers
Personal Finance Banking
Personal Finance Banking is responsible for product offer and management of consumer loans distributed through the Retail and Business Banking branch network and external distribution channels. This area offers the following product groups to customers: cash loans, credit cards, instalment loans, car loans, leasing (operating and financial) and lease financing (offered mainly in cooperation with BNP Paribas Leasing Services Sp. z o.o.) and long-term car rental offered (in cooperation with Arval Service Lease Polska Sp. z o.o.).
Product offer
In 2021, the Bank in the area of cash loans introduced:
- new cash loan offer supported by marketing activities („Loan for Green Change”), over 43.6 thousand of green financing,
- improvements in automation of credit decisions for e-banking and mobile banking applications, over 30 thousand of financing in online channels,
- new insurance with monthly premiums as loan repayment security,
- one streamlined cash loan application process across the entire Sales Network.
In 2021, the Bank encouraged credit cardholders to:
- manage your card conveniently using the GOmobile application and GOonline online banking,
- adjust your credit limit to your needs using a simplified, fully remote process of increasing the card limit,
- actively use the „pay in instalments” service, i.e. the possibility of spreading the transaction into instalments at the terminal under Mastercard Instalments.
Currently, instalment loans are offered in stores (both stationary and online) of over 15 thousand business partners who cooperate with the Bank within the scope of financing purchases. Customers can sign a loan agreement using the „paperless” process implemented in cooperation with Autenti.
The Bank periodically expands the circle of its business partners with companies selling photovoltaic installations and other renewable energy sources (RES) to individual customers. In 2021, the Bank became the leader in this market segment (banks financing RES in the B2B2C model):
- over 16 thousand finalized credits for photovoltaic installations in 2021,
- active cooperation with more than 500 partners involved in the sale and installation of photovoltaic installations,
- European Investment Bank guarantees.
Implementation of the „Clean Air” credit to support the Programme of the same name, which aims to reduce emissions of harmful substances into the atmosphere resulting from heating of single-family houses using outdated heat sources and low-quality fuel.
The Bank cooperates with leading players in the Polish and international market such as Media Saturn Holding Polska Sp. z o.o., Decathlon, Sp. zo.o., E.ON Foton Sp. z o.o. or Abra Meble, as well as with local Partners across the entire country.
In 2021, the Bank continued its cooperation with the Kia, Hyundai, Ford, and Opel brands. In December, the Bank established cooperation with authorized dealers of Jaguar and Land Rover brands.
New products and processes were introduced by the Bank in 2021:
- launch of operational cooperation with a new partner – Jaguar and Land Rover,
- extension of automation of credit decisions to business customers,
- launch of a loan with a high reridual value of the vehicle (HRV) at the end of the contract with the KIA and Jaguar brands by dealer
- digitalization of post-sale processes: increase of customers’ access to online banking, enable customers with GOonline to attach scans of the motor policy and registration certificate,
- implementation of automation and optimisation of the sales process in scope of customer identification.
The Personal Finance area, through BNP Paribas Leasing Services Sp. z o.o., offers its customers operating and financial lease (including VAT Margin) for passenger cars, trucks up to 8 tonnes, buses, agricultural tractors, scooters, motorcycles, quads and campers.
New product offers and process improvements in 2021:
- the HRV (High Residual Value) leasing product for the KIA and Jaguar brand – leasing withbuy-backwith a high residual value of the vehicle and buy-back guarantee by the dealer,
- the „My Electrician” Programme – to support the leasing of zero-emission vehicles,
- decision process automation in leasing,
- automation and optimisation of the sales process in scope of customer identification.
In 2021, the Bank continued its cooperation with Arval Service Lease Polska Sp. z o.o. within the sale of the TCM product (long-term lease), introducing new solutions, as: modification of the sales platform to adjust it to the needs related to the cooperation with car dealers and brokers, or automation and optimization sale process.