PIK Finch B2B Service

Main article: Mortgage in Russia

2024: Presentation of the B2B service "Finch"

PIK brought two digital products to the market at once: the first for the company's customers, the second for developers throughout Russia. The company announced this on May 7, 2024.

The first product the company has offered its customers is an all-digital transaction cycle mortgage. PIK was the first among Russian developers to switch from paper mortgages to electronic ones, thanks to which it translated into digital absolutely all processes for all counterparties: from an online mortgage application to its transformation into a freely circulating electronic security. Since the beginning of the year, PIK has issued electronic mortgages totaling about 5 billion rubles.

The second product is the B2B Finch service, which helps all developers automate the process of registering a mortgage by forming and sending a single digital mortgage application for everyone. banks Thanks to - with APIintegration mortgage pipelines of banks, mortgage decisions are transmitted instantly, the answer to the application takes from 5 minutes. The application can be sent to more than 20 banks, so 95% of customers receive approval for the transaction. In April 2024, more than 4,000 mortgage applications from connected developers passed through Finch. The company offers developers two free months of service operation and the bid price, 3-5 times less than competitors. Proprietary development of PIK has already been included in. register of domestic software Ministry of Digital Development

Both the all-digital mortgage and the Finch service can be a trigger for transforming key processes into. construction industries Which remains especially important for both business and end-customer, as today 90% of them buy an apartment in a new building precisely thanks to the mortgage.