Always.Credit Mobile App

Main article: Mobile applications

2021

Evotor Smart Terminal Application Development

On September 15, 2021, the Vsegda service announced the development of a free application for Evotor smart terminals. The application will help small and medium-sized businesses issue loans for goods in 3 minutes, without the help of credit specialists and signing an agreement on paper.

The Vsegda application allows the cashier to issue a sale on credit through the Evotor smart terminal. Entrepreneurs do not need to install a computer, scanner and printer at the outlet, as well as additionally train sellers or hire personnel.

The service sends an application to several partner banks at once. Due to this, the approval level reaches 90% - 2.6 times higher than when filed with one bank. After the application is approved, the buyer can compare the credit terms, select the most suitable offer and sign the SMS contract. The whole process takes about 3 minutes - you don't even need to move away from the box office. Money for the sold item arrives to the seller within 1-3 business days. The buyer can purchase goods in the amount of 1000 to 500,000 rubles, taking a loan for a period of six months to 2 years.

This is very convenient, because the store receives immediately the entire amount due to it in the account, and the buyer receives the goods, while paying in parts. We are actively developing solutions for small and medium-sized businesses that can be used without additional investments - money or staff time. Now small stores - customers of Evotor - will also take advantage of the sale on credit, "said Oleg Garifullin, general director of the Vsegda installment service.

Loans allow customers to decide on a more expensive purchase, so thanks to this service, entrepreneurs will be able to increase revenue and the average check. The service will be especially relevant for stores of household appliances, construction and finishing materials, furniture, jewelry and fur products, travel agencies.

In the near future, "Vsegda." Yes "will add to the application the option of sale in installments. When selling in installments, the value of the item for the customer does not increase. At the same time, the outlet compensates the bank for the lost income by making a discount on the goods (from 5 to 21%).

According to Vsegda.Yes, installment and loan sales allow you to increase the average check by about 20%, store turnover - by 35%. In addition, 30% of customers with this payment option return for re-purchase.

Announcement of the installment sales application

On July 20, 2021, Vsegda announced the launch of an application for sellers in which you can issue installments for a product or service in one of the partner banks of the service. The help of a credit specialist or special training is not required; as of July 2021, the entire process takes about 3 minutes.

Always. Credit

According to the company, the application is suitable for stores in the field of consumer and consumer electronics, communications, clothing, furniture, building materials, as well as other segments where installments are in demand. It can be used by both existing partners of Vsegda. Yes (as of July 2021, more than 77 thousand throughout Russia, including federal retail chains RBT.ru, Hoff, Shatura, etc.), as well as other trading organizations, in particular small and medium-sized businesses. To connect, the store is enough to register through a personal account.

Through the application, the seller draws up installments for goods in one of Vsegda's partner banks. Yes - Renaissance Credit Bank, Home Credit Bank, Sovcombank, Europe Bank Credit, Tinkoff, MTS Bank, Kviku, MCC Buy Not Kopi, IFC T-Finance and others. " All banks consider one application, so it is not necessary to fill it out separately for each. Mutual settlements with banks and document management Vsegda. Yes, takes on.

With the advent of such an application, even small stores with one or two vendors will be able to receive installments. They will install the application on their smartphone, authorize and will checkout in installments. We estimated that the introduction of lending for July 2021 increases the average check by about 20%, and turnover by more than a third (35%). said Oleg Garifullin, CEO of the Vsegda service.

The application interface is intuitive. To issue an application, it is enough to add information about the goods and fill out the buyer's passport data - manually or by photographing the document. After that, the seller sends the buyer a link to the questionnaire for further completion so that he can enter the sensitive information himself, without informing the seller.

The buyer opens a link in the browser of his smartphone or in the official app. Yes, to pay for loans, if it is installed. Then he enters information about labor and income, sends a questionnaire to banks. Solutions are displayed within a minute. You can compare the credit terms, choose the most appropriate offer and sign the contract by SMS or by hand.

Before confirming the purchase, all information on the order is displayed - the cost of the goods or services, the installment period, as well as the list and cost of additional services - insurance or SMS information. To choose a particular service, or to refuse it, it is enough to touch the checkbox opposite.

The seller also has alternative ways to process the application - independently or using a call center.

We are very glad that now such a solution has been presented, since the stores had a request for self-registration of installments, and in this regard we monitored the market. This is very convenient: the seller manages the client flow, draws someone independently from his device, sends someone a link, and sends someone to the call center, which helps the client to arrange everything. Time for installments is reduced, and there is no need to train staff - the application has a very friendly and understandable interface. told Ilya Grishin, Director of to marketing RBT.ru

The following technologies have been implemented in the application:

• Short questionnaire "8 fields" (instead of the standard forty fields);
• Tooltip service when filling out a questionnaire so as not to enter information manually;
• SMS signing of the contract: buyers can be identified by phone number without the need to sign documents on paper;
• Automatic sighting of document scans: sellers no longer need to certify a copy of the passport. When you send scans to the bank through the application, the seller's electronic signature is automatically applied.

In addition, there is a "Knowledge Base," which includes FAQ, video and text instructions for issuing installments, as well as a course on combating fraud.