Bank Cards As a Payment Facility

Bank cards as a means of payment

The article presents the information about the projects that are developed by the banks of Vladivostok to attract customers to use extensively bank cards. It also provides methods of implementation and promotion of these projects.

The state is striving to create a single payment instrument, to exercise more precise control over the monetary turnover in the country, so the topic of electronic money in Russia is becoming more urgent.

In the use of a bank plastic card there are many advantages for both the client and the bank.

For the customer this is:

• Ease of use,
• Decrease in the risk of loss of funds,
• Various benefits in obtaining services in trade and service enterprises,
• Reduction of costs in the conduct of financial transactions,
• Accrual of interest,
• Remote account management and much more.

For banks:

• Expansion of the range of services,
• The emergence of new customers,
• Decrease in the cost of operations due to paperless technology,
• Charging additional commissions
• Increase in income,
• Increase of competitive opportunities of the bank.

However, in connection with the default announced in 1998, Russians for a long time did not show interest in bank plastic cards, as confidence in banks was undermined. It is also important to note that, unfortunately, at the present time for a Russian user a bank card is not a means of payment, but a means of withdrawing cash.

Despite a number of problems, the Russian market of plastic cards is developing quickly enough and still inspires hopes.

There are new, enterprising banks, trying to earn the trust of customers by means of changing the methods of service, expanding service capabilities, providing a comprehensive banking service.

In particular, it is possible to the seaside banks. They began to develop various projects to attract customers to use plastic cards. Basically, and one of the first, in the seaside is offered a salary project. Its implementation was offered already by the bank Primorye, Avangard, Sberbank, Primsotsbank, etc. Other projects to attract consumers to the extensive use of bank plastic cards can be noted.

Here are some developments of Primorye Bank:

1. First, it invites legal entities to implement a salary project using plastic cards issued by the Bank.
2. Bank card "Vladmama", this card guarantees, in addition to the traditional advantages of the international plastic bank card VISA, its holders discounts up to 20% in more than one hundred stores and companies in Vladivostok and the region.
3. Also in Primorye, co-brand projects began to develop: the TYSA map for a young, active audience who likes to relax and hang out. Undoubtedly, this is a unique project not only in Vladivostok, but also in Russia as a whole.
4. Quite recently in Vladivostok, the project "My Dolphin" began. The advantages of a payment card are as follows:

• Every trip on the bus is 10% cheaper;
• The fare payment procedure is accelerating.

In-general use of such a card is fast, convenient, profitable and safe.

All these are already implemented projects of the bank "Primorye".

Cooperation between Alfa-Bank-Cosmopolitan and Ile De Bote is one of the most striking examples of attracting consumers to use plastic cards. The Alfa-Bank - Cosmopolitan - Visa card is perhaps the most stylish of all bank cards. It is focused mainly on the female population category.

Benefits:

• Holders of Alfa-Bank-Cosmopolitan plastic card can get a 15% discount when making purchases on the IL DE BEAUTE network.
• The Alfa-Bank - Cosmoplitan card can be a debit or a credit card.
• Gives the opportunity to receive discounts and gifts in a variety of shops, cafes, beauty salons, fitness clubs and other places.

Actually, such measures are currently being taken by banks in order to increase the ability of consumers to use bank cards and thus to get the most out of this. The developed projects are really very positive for consumers, they are pleased with their range of services and services.