OTP Bank: Internet Bank

Main article: Mobile applications

2023: Adding Stories

The format of stories in the mobile application has become available to OTP Bank customers. This convenient communication channel has been launched on devices based on iOS and Android. The bank announced this on December 27, 2023.

With the help of stories, the bank will simplify the receipt of the necessary information, now customers will be able to:

• Quickly learn about new application features;
• Quickly understand the peculiarities of banking products;
• Get important news, such as changes in terms and conditions by product or in branch schedules;
• Learn useful tips for managing your own money.

The story format has proven itself to be a convenient way to interact with customers in a mobile application. We want to talk about ourselves in the most convenient way, as well as make our communications not only beautiful and interesting, but also useful. Stories will be displayed on the main page of the application and regularly updated. For most users of mobile applications, the format of pictures and short text support according to statistics is most convenient for perception, - said Ivan Bakhmat, Director for Digital Business Development at OTP Bank.

OTP Bank has been on the Russian market for almost 30 years, has experience interacting with more than 20 million customers throughout the country and offers universal banking services. The Bank is one of the 50 largest banks in Russia and is present in more than 800 settlements of the country, the Bank's own network as of December 2023 has more than 57 thousand points of consumer lending.

2022

Possibility of issuing an OSAGO policy

OTP Bank on September 2, 2022 announced that it was launching another service for existing customers - the registration of an OSAGO policy in a mobile application.

It will take no more than 5 minutes. To receive proposals, you need to indicate the state number car and number and the date of issue of the driver's license. Further, the online calculator will independently make a calculation and offer options from 14 insurance companies, it will only remain to choose the most optimal one. All information about the calculation will be saved and will be available at the next entrance to the mobile application, so it will be possible to pay for the selected option later.

Online Credit Opportunity

On August 15, 2022 OTP Bank , he announced that from 2022, customers can apply for a loan even faster in the amount of up to 600,000 rubles for any purpose, and it is not necessary to contact the department. You can apply directly to. mobile application bank It will take no more than 2 minutes and if you receive a positive decision, the money will go to. card

Thanks to technical modernization, the bank's team significantly accelerated the registration and issuance of the loan. Now a fully automated process allows you to issue a loan in a few minutes, and the service has become even more convenient when working in a mobile application.

2020: 1.5 million downloads in 8 months

For 8 months of 2020, 1.5 million customers downloaded a mobile bank, and the application entered the top 10 in the Finance category. 1 million clients of the Bank use the application every month, 85% from Android devices. OTP Bank announced this on September 9, 2020.

In 2019, the Agile team of OTP Bank specialists with Self.Team partner set about creating an ecosystem for customers. The first changes affected the Internet bank and the version of the mobile application. The project was implemented in 10 months, in December 2019 a pilot version of the application was released, and already in July 2020, OTP clients completely switched to the updated interface.

In addition to classic banking actions, the mobile application has more than 20 additional services: opening online deposits, activating a card, setting a PIN code, viewing the tariff, personal offers on credit cards, cash loans and deposits, a card of branches and ATMs, push notifications about transactions, paying for housing and communal services and public services, the ability to hide products and even replenish accounts from a card of another bank.

Creating an application and a web interface, we started from the user experience - collected feedback in service channels, conducted surveys and studies of customers, measured the level of satisfaction with services, monitored social networks, but this was only the first round, " - commented Rostislav Yanykin, Deputy Chairman of the Management Board, member of the Management Board of OTP Bank, - We set ourselves the goal of simplifying the interface, so we went through dozens of user scripts, repeating typical errors, worked hundreds of screens and practically created an application from scratch.

In the near future, the application will include transfers by phone number through the SBP, payment by QR code, the ability to repay loans early, issue an extract and certificate, order a new card or reissue the old one.

The changes will not end there, and the OTP ecosystem will continue its development. ATMs, payment terminals, a unified system for employees, services for the site and partners will receive updated interfaces.

2019

Increase in the number of OTP Credit users by 1.5 times

By the end of 2019, the number of users of the OTP Credit mobile application increased 1.5 times. This was facilitated by the expansion of functionality and an increase in the speed of its work.

The Bank's OTP application for customers actively using credit products was created in 2015. During 2019, as part of the development of the bank's digital platforms, some options were added to its basic functionality, including interactive schedules of payments and control of the receipt of funds, online repayment, saving a linked card, and built-in call and chat functions with the bank's contact center were introduced. In addition, the speed of the application was increased.

All this attracted a large number of users - their volume grew by 51%.

In December 2019, OTP Bank launched an updated Internet and mobile bank, which open up additional opportunities for customers and save time on banking operations. What is also expected to affect the growth in the number of users among customers.

With the launch of the updated mobile bank, we decided to focus on the development of a single application that will combine the advantages of OTP Credit, the main application and advanced functionality. Our immediate plans are to migrate all users to an updated platform. At the same time, we see that the number of users is growing rapidly, said Denis Mavlanov, Director of Remote Channels and Customer Support

Adding 20 services and functions to mobile and Internet banking

OTP Bank announced on December 20, 2019, the launch of the updated Internet- and. mobile bank Now financial information for products, purchase history, any payments and transfers have become even easier, faster and clearer. Services are already available around the clock in and, AppStore Play Market as well as on the bank's website.

The Bank revised approaches to the functionality and visualization of services based on the results of a number of studies conducted in 2019: several focus and usability studies among clients of OTP and other banks, as well as technical tests and pilot launches to the audience of employees. At different phases of testing, more than 5 thousand people took part in it with different levels of skills in using the Internet and devices.

In addition to existing functionality, such as viewing product information, payments and transfers, opening deposits, more than 20 services and functions have been added to the mobile and Internet bank, including product visibility settings, PFM, displaying personal offers, saving push messages, chats, online calls and others.

The design of the application has also undergone significant changes: it has become simpler and calmer in color, without unnecessary distracting elements. Intuitive navigation allows you to reduce the number of clicks at each stage of using a mobile bank.

The client registration and system access recovery processes have been updated - they have also become easier and focused on the convenience of each individual client. The developers paid special attention to improving security systems, including scenarios for obtaining and restoring access, to minimize the risk of fraudulent transactions.

The services are deployed on a platform that provides architectural omnichannel, which allows you to have homogeneous information in real time in all channels of interaction with customers, and remotely issue products through a mobile application, increasing the efficiency of offers to existing customers.

In 2020, the functionality of the mobile bank will expand.