Platiza.ru

The Platiza.ru Internet service - a project of the FinSight Ventures fund, the founders of which are the FINAM group and the Skagit Investments company, was launched in the fall of 2012, becoming the first and only project of its kind, whose users can not only remotely issue a short-term loan online, but also instantly pay for a wide range of goods and services. Obtaining a loan does not require any documents, checking the borrower's credit history and crediting money to a debit bank card takes minutes, and the ability to pay for goods and services on credit is available from more than 2,000 project partners.

History and Performance Indicators

2016: Platiza increased handouts by 43% in 2016

According to the results of 2016, the volume of issues amounted to more than 1.2 billion rubles. The average loan amount for all regimes reached 4,700 rubles, the average term - 15 days, and the average interest rate - 1.2%. Loans were transferred to borrowers on a card or Internet wallet in just 30 seconds online throughout Russia. More borrowers began to receive approval for the issuance of new loans: approval rate (percentage of approval) reached 67%. The main goals of loans remained the same: customers applied for money to reach "salary," to improve credit history and to buy goods and services.

In 2016, the company relied on the development of manufacturability. The achievement of the year was the development and launch of mobile scoring, a multi-module borrower creditworthiness assessment system based on the latest technologies, as well as the construction of an adapted and scalable business intelligence system supporting cloud and machine learning, deep learning and big data technologies.

In October, the company developed and released a new generation mobile application, Balance, which is designed to manage personal finances. This is a personal financial planner working on artificial intelligence technology that helps customers achieve their goals and gain financial stability. It has already been downloaded and installed by more than 25,000 customers, 80% of which gave the application the highest rating.

Customers of the company still have the opportunity to instantly receive borrowed funds on a card or Internet wallet without leaving their homes, find out their credit rating for free, receive an individual loan program and improve their credit history after each timely repayment of the loan. The service cooperates with the largest Russian Credit Histories Bureaus, and in November it had a partner - Equifax.

Throughout the year, the service held contests and promotions for its clients, many of which received a "viral effect" and confirmed the loyalty of borrowers to the service. More than 1,500 borrowers took part in the New Year's wish fulfillment competition.

2014

In 2014, Platiza.ru borrowers could not only instantly receive money, but also find out the credit rating for free, as well as improve their credit history. An individual loan program began to be developed for each client during the registration process.

The service published its own code of corporate responsibility, and also joined the code of ethics for dealing with overdue debts. Platiza.ru confirmed its compliance with the requirements of the new law by complying with all the requirements and regulations of the Central Bank. A money back guarantee has become available on the service website if customers, for objective reasons, were dissatisfied with the quality of service.

In December, cash loans were issued through the Contact money transfer system, and PCI DSS 3.0 security certification was passed. An important event was the withdrawal of the Platiza.ru service from the Federal Finance Group holding, which proved the fact of the company's independence. The service website has been improved and modernized: its mobile version has appeared.

During 2014, online loans were issued in the amount of over 100 million rubles. The average loan amount was 4,000 rubles, the average period was 20 days, and the most popular interest rate was 1%. It took approximately 4 minutes to register and receive a loan from the client.

The number of new customers grew by 70% over the year, with 80% of customers re-borrowing. Compared to the beginning of the year, the name of the service in the Yandex search engine began to be searched 5 times more often. Moreover, among all online MFIs in Russia, the Platiza company was searched more often than others.

Over twelve months, more than 1,500 reviews were received and processed, 80% of which were positive, 15% negative and 5% neutral. Clients gladly shared their experience with the service, told their stories, some of which were included in the company's corporate book.

In the past year, 50% of the company's clients chose the method of transferring to a bank card, 40% of borrowers preferred to receive loans to Visa QIWI Wallet and Yandex.Money Internet wallets, and 10% gave the advantage to other methods. The status of "Ideal Borrower" and the maximum credit rating of 900 points were received by 3% of the service's customers. This provided them with the lowest interest rate and the most favorable conditions.

40% of service borrowers had a bad credit history, so they automatically got into rehabilitation mode to correct it. 20% of borrowers who have never issued loans turned to the company's services in order to create a positive credit history from the very beginning in the formation mode. Customers whose credit report is filled with exceptionally good records turned out to be about 40%. Each of them received an individual loan program in quality control mode. Absolutely all borrowers who returned loans in a timely manner, avoiding delays, improved their credit history.

2012

The uniqueness of the project for the Russian microfinance market allowed Platiza.ru to dynamically increase the client base and loan portfolio volumes. The number of portal borrowers doubles monthly, and over a short period of the project's existence, it has reached several thousand people. At the same time, the total volume of the Platiza.ru loan portfolio reached more than 6.5 million rubles in 2012, 2/3 of this amount was formed by microloans issued in December.

A powerful driver for the development of the Platiza.ru Internet service was cooperation with Visa QIWI Wallet, which started in December 2012. Users of the QIWI e-wallet were able to issue a loan online in Platiza.ru without concluding an agreement and disposing of funds at their discretion. To date, the convenience of obtaining a microloan in Platiza.ru has been appreciated by several hundred owners of electronic wallets.

At the end of 2012, Deiteriy, a leading provider of information security services, certified the Platiza.ru payment service according to the PCI DSS payment card security standard, confirming the full compliance of the resource with the requirements of the international PCI DSS 2.0 standard. The audit, which confirmed the high level of information security of the Platiza.ru, will act as an additional factor for the development of the project.