In turn, the bank's employees working remotely (in supermarkets, household appliance stores) do not tend to pay attention the quality of their work because they are motivated solely by the bonuses from each of its loans and an additional service connection. Thus, we consider the above situation. Mistake number one neglect reading and the process contract execution, as we learned in Artem carelessness when signing the loan agreement regardless of the amount of the loan leads to unpleasant consequences. In this context, is strongly discouraged absent elsewhere, especially for an extended period, until such time as you read, refined, and signed all the papers. Leaving without proper attention to process your contract, you relinquish some room for abuse of credit specialists, for example, it costs nothing to the already approved loan application to write life insurance, or put a tick in the production of maps that will lead you to additional costs, and for these additional bonuses. Usually, loan agreements "Express" made fine hard readable text contains references to the so-called "General Conditions for consumer loans," Procedure provision and maintenance of credit cards, "" Rules of insurance against accidents and diseases, etc. Typically, the borrower reads these items, without requiring access to documents to which this paragraph refers, in advance agreeing, for example, to pay fees for so-called connection to the insurance program at the rate of 0,8% of the loan amount each month (thus, the annual interest rate on the loan does not meet the declared zero, and turns to 9.6%!), for issuing a credit card and direct debit from the set of her credit limit (in our case – 7600 rubles) penalties for late or early repayment of the loan, and as a consequence, for the payment of percent for use on credit card interest rate of 22% agree that more profitable for the bank, compared even with veiled rate of 9,6%. .
Temporary abandonment of the struggle. Illusion quench all desires, like a death. And yet, being that phase of life, when the kingdom of God is within us. When a sense of harmony is achieved only at the expense of overcrowding in one – a sense of the ocean. Any strong feeling that love, fear, temporarily change the whole picture of the world.
Importance may become unimportant, and conversely, those who had nothing to turn into something – and this is a manifestation of this magic of life. When little kitten, dying from his own courage, sill explores the thirteenth floor during the opening wide open window, he is going through an extraordinary excitement. For him it is the most important event of life. All of his feelings – and curiosity, and courage – are subject to feeling great, like the ocean, the danger which emanates from the gulf side. In the primeval ocean Life at first was much calmer. Once there was a big world, whose inhabitants, in order to fulfill all their desires, it was enough to take a breath.
That if they were tuned to an active lifestyle. If they belonged to a lazy majority, in order to fulfill all wishes, it was enough to do nothing. This world is called the Primeval Ocean. His living water, free washing the exterior and interior surfaces original living bodies, almost indistinguishable from that of water itself was to them, in terms of modern concepts, and air, and food and clothing, and vehicles, and a source of new experiences, including love, and Entertainment and treatment to provide easy transmission through a smart, gentle waters.
About how it looks in practice: Bank defragments its principal operations in the conventional direction (auto loans, mortgages, deposits and stuff for ‘physicists’, leasing, factoring, credit, cash management services and other business), then within each of the areas of exercise tactical marketing plans. As a result, mesh segmentation looks like a list of business units, in which, at best, stand out ‘big, medium and small businesses. ” In this case, any criteria for segmenting the private sector virtually none. Next subsegments ‘big business’ corporate banking sector, for example, stands out in stand-alone unit, whose main task is the traditional servicing large corporate clients.
When one customer suddenly thinks about upgrade the fleet, for example, the bank courtesy of considering the possibility of lending the project, even though the client may well profitable leases. But the lease – that is another topic, another unit, other people. And the need for remains unsatisfied, or satisfied optimally. The problem undertaken in the domestic banking business segmentation principles – orientation to themselves and their proposals, rather than on problems and needs target audience. In fact, it’s not even segmentation, and the distribution of needy customers a convenient ‘cells’ created on the principles of optimization of business processes rather than customer focus.