Point: Internet Bank

2024: Integration with SME Bank

Customers of the Point will be able to receive a loan from the Bank of SMEs in the interface of their bank. Tochka announced this on March 21, 2024.

In order to apply for a loan from SME Bank, the client of the Point will need to select the "SME" icon on the corresponding page of his Internet bank. Next, in the application itself, the entrepreneur needs to enter the desired term and amount of the loan. On average, it takes one working day to consider an application.

As part of the test launch of the project, there are already approved applications.

Integration with SME Bank is a continuation of our Multibank concept. She assumes that customers of the Point do not need to open accounts with other banks in order to use their products. We have rethought the model of consumption of banking products, providing the client with various offers collected in one place - the Point interface, - said the business developer in Point Roman Gaynulin.

The process is seamless. There is one document package. The purpose of using funds is any, - said Alexander Isaevich.

As part of the integration, entrepreneurs can receive a loan in the amount of 50 thousand rubles to 50 million rubles. The rate is from 13% per annum, and the loan period is from one to 84 months.

2023

Integration with Дом.РФ Bank

Bank for entrepreneurs and enterprises Tochka, together with the Bank of ДОМ.РФ, conducted interbank integration. Now customers of the Point will be able to receive a loan from the Bank of ДОМ.РФ in the interface of their Internet bank. Tochka announced this on October 5, 2023.

Integration with the Bank of ДОМ.РФ allowed the Point to create a "single management window" through which the entrepreneur can apply for a loan, see the movement of funds, receive reporting documents, as well as close the loan on schedule or ahead of schedule.

We became a Russian bank that created a "single window" of credit management on the basis of a partner bank. Our joint project with the Bank of ДОМ.РФ is part of the Multibank concept, which assumes that customers of the Point do not need to open accounts with other banks in order to use their products. We have rethought the model of consumption of banking products, providing the client with various offers collected in one place. In the near future, we will expand the Multibank format by introducing new credit products for various industries and business segments, "explained Anton Shkuratov, director of new business development at the Point.

One of the main tasks of the Bank of ДОМ.РФ is to provide all kinds of assistance and support to small and medium-sized enterprises, to make financial products as convenient and simple as possible. Stable and affordable lending ensures not only the growth of individual companies, but also is a driver of the development of entire sectors of the economy. Therefore, we are glad that we can provide access to our products not only to our clients, but also to the clients of our partners, thereby increasing our contribution to the successful development of entrepreneurship in Russia, "said Anna Kornelyuk, Director of the Small and Medium Business Division of ДОМ.РФ Bank.

Customers of the Point can receive a loan in the amount of 100 thousand to 5 million rubles for a period of 6 to 48 months. The deadline for consideration of the application is from several minutes to three working days. It is important that only those customers who have been served at the Point for more than 12 months can get a loan.

Automation of payment of salaries to foreign currency non-residents

The point automated the payment of salaries to foreign currency non-residents. The bank announced this on September 7, 2023.

Entrepreneurs who are subordinate to employees without foreign exchange residency of the Russian Federation will be able to pay their salaries without any problems.

Foreign exchange non-residents of the Russian Federation include foreigners-individuals without a residence permit. The payment of wages to foreign currency non-residents is considered a foreign exchange transaction and must be carried out exclusively in non-cash form through accounts with authorized banks. Otherwise, it would be considered an illegal operation.

Earlier, through the Salary Project service, the payment of salaries to foreign currency non-residents was quite difficult: a separate payment was required with the provision of documents for foreign exchange control. The point automated this process so that the payment of salaries to non-residents was quick and simple. Now the employer will only need to upload the necessary package of documents to the service once. Next, the payment will take place automatically, you only need to specify the amount, "explained Ivan Lyndyuk, Product Manager of the Foreign Economic Activity Department at the Point.

Payment of salaries to foreign currency non-residents is possible only in rubles and for employees located in the Russian Federation.

A salary project is an option for individual entrepreneurs and LLCs that have employees on staff. At the Salary Point, you can even open a salary project for one employee. You can connect the Salary project online in the Internet bank Points. The connection process will take no more than five minutes, and when adding an employee, you can specify his bank details in any credit institution.

Add ABC Analysis

Bank for entrepreneurs and enterprises Tochka will help clients analyze the counterparties with whom they work. Especially for this, Tochka launched a service that automatically collects statistics on revenue from all counterparties with which the bank's client worked in a certain period in the format of ABC analysis. The bank announced this on August 31, 2023.

ABC analysis is a tool that helps divide all of the company's customers into groups, depending on how much revenue they generate. This method "highlights" groups of clients that the entrepreneur should pay attention to.

The service by default analyzes the ruble account for the last year, but the entrepreneur can independently set up the period and those accounts that interest him.

In the report that will be compiled by the Point service, the entrepreneur will see the distribution of his clients by group. The most reversible form group A, middle peasants B, and the rest fall into C:

• Group A - this includes customers who bring 80% of the business revenue to the entrepreneur;
• Group B - 15% of revenue;
• Group C - 5%.

We automatically analyze the counterparty base, highlight risky points to the client and suggest what can be done about it. By risky moments, we understand situations when, for example, only 1 client is in group A, which means that the entrepreneur receives 80% of his income from him. This may threaten him with the fact that if this client decides to reduce the volume of purchases or even leave, then the business of our entrepreneur will be in jeopardy. Another extreme is when an entrepreneur has a lot of clients in group C and little in group B. This may mean that our client has many counterparties with small checks, and the base that brings a stable and high income is not enough, "explained product manager Alexandra Merkuryeva.

The service is free and available in the mobile and web version of the Internet bank Points in the Analytics section. It is suitable for entrepreneurs working with legal entities.

Ability to open a renewable line

Entrepreneurs will be able to open a renewable line at the Point. The bank announced this on August 22, 2023.

A revolving line (OL) is a financial instrument that allows a business to replenish its own working capital if necessary. In this case, the payment of money is made in tranches within the debt limit.

With a non-renewable line, an entrepreneur can only spend money from an approved limit. And with renewable - it can also bring them back, thereby maintaining the level of working capital available.

If the entrepreneur has a limit in the renewable line - 500,000 rubles and he took 100,000, then his limit was reduced to 400,000 rubles. But when he returns this money, his limit will again be half a million rubles. With a non-renewable line, the limit is not restored. This tool is useful in cases when the entrepreneur knows that business spending is coming in the near future, but so far there is no understanding when money will be needed. Thanks to VL, he will be able to use money when the need arises, - explained the head of the service Angelina Krasheninnikova.

The conditions for overhead lines at the Point are one of the most profitable on the market. Entrepreneurs who launched their own business more than three months ago will be able to use the service. In addition, the option can be used without pledges and guarantors.

The minimum limit of the revolving line is 50 thousand rubles, the maximum is up to 15% of the turnover of a particular business: payments from the counterparty, enrollment to acquiring , etc.

The interest rate on overhead lines is 20% per annum. The repayment period is 30 calendar days, and the deadline for granting the line is 12 months. The fee for the amount issued is 0.5% of its volume.

Ability to find answers to business-related questions

In Internet-bank Points it became possible to find answers to questions related to doing business. Now the knowledge base from the online journal for business "Reference," Business Encyclopedia and FAQ Points is "sewn" into the search bar of the Internet bank. The bank announced this on July 5, 2023.

Entrepreneurs will be able to find answers to important business questions in one window. For example, how to pay taxes, how to start selling on marketplaces, how to connect a salary project - all these topics are collected by Points employees on corporate information resources.

In the spring of 2023, we built an Internet bank into the search bar, ChatGPT which helps customers in solving creative and analytical problems. For example, come up with advertizing a campaign or propose three steps to increase business revenue. But in matters related directly to the functionality of Internet banking or subtle issues of legislation, for example, "how to change the tariff" or "what taxes individual entrepreneurs pay on OSNO in 2023," GhatGPT is not always accurate. But the articles of the Reference or Business Encyclopedia have been failed by experts and will not make a mistake in these issues, "explained ML Semyon Stikhin, the developer at the Point.

The ability to set up automatic receipt of a statement for a ruble account in 1C

Customers of the Point will be able to set up automatic receipt of a statement for a ruble account from an online bank in 1C so as not to request it "manually." The bank announced this on June 19, 2023.

The service works on the Points own banking license. The statement will be automatically requested from the online bank and sent to 1C once an hour. You can connect it both when initially configuring the integration of an Internet bank with 1C, and already with an existing one.

{{quote 'The main task of the Point is to make the life of customers a little easier, to help save time on those processes that can be automated. Especially for this, we have connected a service that allows accountants to receive statements on ruble accounts upon request from 1C. This will save the accountant from one working hour a week, which he would spend on "manual" unloading of the statement, "said Alexander Lebedev, leader of the Online Accounting Department at the Point. }}

Ability to obtain documents in English

Customers of the Point will be able to receive the documents necessary for working with foreign partners in English. You can get a ready-made certificate by e-mail or arrange delivery on paper. The bank announced this on June 15, 2023.

Entrepreneurs can order the following documents in English: a certificate of accounts, details of a ruble account, a certificate of turnover for the period, a certificate of balance, a certificate of turnover by month, as well as a certificate of accounts with an address. As a rule, these documents are necessary for entrepreneurs when concluding an agreement with a foreign counterparty and banks, as well as for submitting visa documents.

In three certificates: about the balance, turnover by months and turnover for the period, the monetary amount is indicated. The client can choose in which currency to display it: rubles, euros, dollars or yuan. At the same time, it does not matter in what currency the client has the main account in the bank, in the help we will display the converted amount in the selected currency, - explained Project Manager in the Point Nikolai Gromov.

Previously, an entrepreneur could receive such certificates only in Russian, and if it was necessary to translate into English, he had to write to a chat with support. Now the client can immediately receive the document in English through the Internet bank.

GPT implementation

Bank Tochka on April 19, 2023 announced that it had implemented GPT in the search bar of the Internet bank. The service will help the entrepreneur get answers to the most common and important business questions.

ChatGPT processes the entrepreneur's request in a matter of seconds and gives an answer to the question of interest. For example, he can offer ideas to increase customer loyalty, come up with promotions for repeated purchases, or prepare an advertising message to the client's messenger.

The point recently launched an updated web interface of the Internet bank. For example, there was end-to-end navigation and personalization of the interface for yourself. But we decided to make the Internet bank even more useful for our customers so that they could find answers to other business questions in it. Our service will help entrepreneurs save time: instead of looking for an answer to an important question all over the Internet, he will be able to get it in his Internet bank, "said Galina Vakulina, leader of the Data direction at the Point.

The service itself is free, a day it can process up to 20 requests from an entrepreneur. It will be available to all customers of the Point who use the updated version of the Internet bank.

At the beginning of the year, the Central Bank of Russia issued a universal license to the Point for banking operations with funds in rubles and foreign currency (with the right to attract funds from individuals) and for banking operations with precious metals. On its own license, Tochka has already launched an Internet bank, as well as a number of services for entrepreneurs.

Launch an Internet bank on its own license with updated capabilities for customers

The point presented on April 10, 2023, an Internet bank that launched on its own license. In the updated version, entrepreneurs have the opportunity to customize the interface completely to their needs, select widgets, add quick actions and favorite services. 

Several functions have appeared in the Points interface at once that simplify work with Internetbank-: 

• Biometrics that allow you to enter the Internet bank by fingerprint or face scan. Now you do not need to enter your login and password every time you enter the bank. 
• Personalization - the ability to customize the Internet bank for your needs. For example, select the desired widgets, add quick actions, favorite services.
• Updated story feed in which "smart search" appeared. This will help the client quickly find the desired online banking tool from the search history. 
• End-to-end navigation, which will allow the user to navigate from section to section without returning to the start main.
• A global search of the entire Internet bank at once. In one interface, customers will be able to find any tool and service Points in a few seconds. 

Шаблон:Quote 'author = explained Chief Platform Owner Points Boris Vedernikov.