Any person crossing the banking thresholdoffice, automatically becomes his client. Even if he does not use any product, at least he will ask a question. And from how they will respond to him, how they will consult, in many respects will depend on his further relationship with the tank. It is for this reason that in almost all financial institutions client-managers began to appear, whose work is aimed at ensuring that every client of the bank receives the maximum amount of information and assistance in solving his problems.
As a rule, these are cute smiling girls whokindly turn to each incoming and show their willingness to help. On the one hand, it is always pleasant to see a person who is trying to understand the current situation. But do not completely trust the sincere eyes and sweet smile. After all, in many institutions, the main task of the client manager is to get a permanent customer of the bank from each incoming.
That is, the work of this employee is nothelp, and in the sale of services, programs, additional services. It turns out that any problem, most likely, will not be solved as quickly and profitably for the client as possible, but in such a way that they get as many banking services as possible. The one who came for the translation will certainly try to "offer" a plastic card. Need a loan? Then "into the load" insurance, account and a couple more products. And even opening an ordinary payment card, a person will most likely be voluntarily, compulsorily insured, signed for a savings deposit, a credit card and something else "necessary".
Undoubtedly, each of these products, taken inseparate, may be necessary in a given situation. But this does not mean that everyone should be completely insured, provided with credit cards and save themselves for vacation. Unfortunately, in many institutions now it is such a client-bank relationship. "Privatbank", for example, is considered a leader in this respect. Here, anyone should have a credit card, a piggy bank and insurance. No other way.
The commoner, at the first appeal, is told thatif he does not open the card, he will not be able to receive a transfer or pay a communal payment. But actually it is not. It's just that each employee (from the client manager to the cashier and their manager) has the task of maximum coverage of the population with banking products. However, customers should understand that, first, this is not legal, and secondly, it is not necessary. That is, it is technically possible to change the currency without a card and open a deposit without insurance, just a person does not report this. And all certainly connect to the system "Privat 24" for self-service (it is just in the entire list of the most relevant, really necessary, and most importantly - completely free).
But Privat is not the only one now,servicing people in a comprehensive manner, so that every customer of the bank is provided with each of the products. The baton is also picked up by other financial institutions of the country. For example, Ukrsotsbank, whose client-bank is also quite convenient and needed, also began selling its services "in a complex way", Ukrsib was not far from it, but the rest did not lag.
It turns out that just go and designone-only, really necessary service, is not so simple. That is why every client of the bank (permanent or new), when entering any office, should understand that no lovely young ladies can compel him to enforce this or that product. And he must sign all the contracts, and give consent to the registration of services voluntarily.