Going back to a rural resident, their need for speaking to a bank employee is even higher than in a city. That is why we have been developing new formats in addition to traditional ones. First of all, remote cash desks with 300 vehicles that cover 9–10 communities. <…> Secondly, our travelling account managers that come to the municipality. <…> We are pilot testing the cash out format, and we call it the agent network. <…> We have started with giving out cash through our partnering entrepreneur. We have two goals here: first of all, you give entrepreneurship another opportunity to develop; secondly, it is making a banking service accessible. The pilot testing has proved that there is a fairly high demand for it — Sergey Maltsev, Senior Vice-President – Head of Sales Network Department, Sberbank.
We believe that our task is to create platforms and services that would be convenient for people, so that a card could combine payment functions with a number of other services and opportunities that can be implemented — Vladimir Komlev, Chairman of the Board and Chief Executive Officer, National Payment Card System (NPCS), the operator of the Mir payment system .
When it comes to small business, self-employed people and entrepreneurs, our Group has a unit – basically it is a bank that allows a customer to open an entrepreneurial account remotely and then fully manage it remotely with no need to go to the actual bank office, not even to open the account. Secondly, we are developing the Sky office, which is an institution that allows customers, including entrepreneurs to verify all their payments by phone, to verify what is happening to the company’s finance. This includes remote access software that we use to help entrepreneurs, our customers prepare their reporting — Anatoly Pakhomov, Mayor of Sochi.
We have chosen the cheapest and the most efficient way in terms of three channels of accessibility. These are the so-called <…> remote workstations, virtual offices that exist in 12 regions of the Far East. <…> Moreover, we have a network of agents that we have started: <…> currently our bank has 328 agents, including 19 in the Far East — Roman Kapinos, Deputy Chairman of the Board, SME Bank.