Any person crossing the threshold of a banking office automatically becomes his client. Even if he does not use any product, then at least he will ask a question. And his further relationship with the tank will largely depend on how he will be answered, how he will be consulted. For this reason, almost in all financial institutions, client managers began to appear, whose work is aimed at ensuring that each client of the bank receives maximum information and assistance in solving his problems.
As a rule, these are cute smiling girls who are friendly to each incoming person and show their willingness to help with all their looks. On the one hand, it’s always nice to see a person in front of you trying to understand the current situation. But do not fully trust sincere eyes and a sweet smile. Indeed, in many institutions the main task of the client manager is to make a regular customer of the bank out of every incoming person.
That is, the work of this employee is not in help, but in the sale of services, programs, additional services. It turns out that they will most likely solve any problem not as quickly and profitably as possible for the client, but so that they can acquire as many banking services as possible. Anyone who came for a transfer will certainly try to “offer” a plastic card. Need a loan? Then insurance, an invoice and a couple of products are “on the load”. And even by opening a regular payment card, a person is likely to be voluntarily-compulsorily insured, signed up for a savings deposit, credit card and something else “necessary”.
Undoubtedly, each of these products, taken separately, may be necessary in a particular situation. But this does not mean at all that everyone must be insured, equipped with credit cards and save for their vacation. Unfortunately, many institutions now have just such a “client-bank” relationship. Privatbank, for example, is considered the leader in this regard. Here, anyone should have a credit card, a piggy bank and insurance. No other way.
At the first appeal, the layman is told that if he does not open the card, he will not be able to receive a transfer or pay a
utility bill. But actually it is not. It’s just that every employee (from the client manager to the cashier and their manager) has the task of maximizing the coverage of the population with
banking products. However, customers should understand that, firstly, this is not legal, and secondly, not at all necessary. That is, it is technically possible to change the currency without a card and
open a deposit without insurance, they simply do not inform the person about it. And everyone will certainly be connected to the Privat 24 system for self-service (it’s just the most relevant, really needed, and most importantly, completely free on the whole list).
But Privat is not the only one that is suitable for servicing people comprehensively, so that any client of the bank is provided with each of the products. The baton is picked up by other financial institutions of the country. For example, Ukrsotsbank, whose client-bank is also quite convenient and needed, also began to sell services to customers in a comprehensive manner, Ukrsib did not go far from it, but the rest are not far behind.
It turns out that just to go and issue one single, really necessary service is not so simple. That is why every client of the bank (regular or new), going into any office, must understand that no cute young ladies can forcibly force him to issue this or that product. And he must sign all contracts, and give consent to the design of services voluntarily.