На полях ПЛАС форума, который проходил в Москве 10-11 сентября состоялось выступлениеОлега Губачева, начальника отдела взаимодействия с автомобильными брендами «Росбанк Авто». Олег выступал в сессии: «Трансформация банкинга как в бизнесе, так и в технологиях. Новые акценты построения бизнеса и взаимоотношений с клиентом».
Основной темой доклада была – «Диджитализация автокредитования», в рамках которой Олег рассказал о «безбумажной сделке». Этот сервис, разработанный «Росбанк Авто», позволяет клиенту быстро и удобно оформить кредит, а сотрудникам оптимизировать свои ресурсы на сопровождение сделки.
«Безбумажный формат подразумевает несколько видов аутентификации клиента, что делает его безопасным. Более того, мы отмечаем, что в подобных сделках количество допускаемых ошибок при оформлении сократилось на 40%. Само время на проведение сделки уменьшилось вдвое. Мы получаем позитивную обратную связь от наших клиентов, наши сотрудники также отдают предпочтение «безбумажке». Поэтому более 65% сделок проводим именно в безбумажном формате», - сказалОлег Губачевв рамках своего выступления на форуме.
Помимо диджитал составляющей, говорили о ситуации на рынкеавтокредитования. За период январь – август 2024 года рост продаж составил 31% по сравнению с аналогичным периодом прошлого года. При этом «Росбанк Авто» показал темпы существенно выше рыночных: плюс 138%.
Нельзя не отметить и риски. Текущие процентные ставки, а также требования регулятора к ПДН, вероятно замедлят текущие темпы. Помимо этого, повышение утилизационного сбора с 1 октября отразится на ценах на автомобиль. За 8 месяцев 2024 года средняя цена автомобиля в портфеле «Росбанк Авто» выросла всего на 7%. Но, с повышением утильсбора, до конца года рост стоимости может составить 30%.
По мнению Олега, партнерские программы – это точки роста в довольно непростой ситуации на рынке. Сотрудничая с автомобильными брендами можно предоставлять более выгодные условия по автокредитованию для клиентов. «Росбанк Авто» лидер по количеству таких программ. Мы сотрудничаем с 32 автомобильными брендами, представленными в России.
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Настоящим я даю свое согласие ПАО РОСБАНК, 107078, г. Москва, ул. Маши Порываевой, д. 34 (далее – Банк) на обработку моих персональных данных предоставленных мной путем заполнения веб-формы на сайте www.rosbank-auto.ru: ФИО, контактной информации адреса электронной почты, номера мобильного телефона. Указанные действия могут производиться Банком как с использованием средств автоматизации, так и без использования таких средств. Целями предоставления мной персональных данных является обработка настоящего электронного обращения, предоставления информации о результатах его рассмотрения и опросах Банка о качестве обслуживания. Обработка моих персональных данных включает в себя: сбор, систематизацию, накопление, хранение, уточнение, использование, блокирование и уничтожение.
Я согласен на предоставление мне информации посредством электронной почты, телефонных обращений, sms-сообщений.
Я понимаю и соглашаюсь с тем, что обработка моих персональных данных ограничивается сроком действия согласия и может быть мною отозвано путем направления соответствующего письменного уведомления Банку.
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