The Ministry of Communications is developing a mechanism for online lending for banks
Banks want to get the same competitive advantages that microfinance institutions – to enable customers to obtain loans without visiting the office of a credit institution. The Ministry of Communications has begun work on the mechanism of online lending.
The bottom line is that after the approval of the loan application that the client may file through the Internet bank, the funds will be credited to his account or card. Recently, the Ministry of Communications intends to hold a bank meeting, which will discuss the details of online credit facility, according to “Izvestiya».
According to the publication source in order to legalize the mechanism of online lending, require amendments to the provision on the use ESIA (Uniform system of identification and authentication, set up in the framework of implementation of the law on state services) and location of the infrastructure of e-government
The bankers, in turn, believe that the customer, and most of the credit institution appears a number of advantages:. expansion in regions where the presence of banks is limited. The second moment – to attract customers who do not have time to visit the office, as well as the ability to optimize staff by automating the process of issuing loans. However, it is prudent bankers suggest that a high probability of an abrupt growth of loans with signs of fraud and non-performing loans obtained using false or stolen personal data.
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