Mass customers
do not have a proper financial culture and systematic approach what to do and in what order, whenever they need banking service
Banks’ terms and conditions
The consumers do not know how to read and interpret and no tool by which to compare the terms & conditions of all presented banks on the market and choose the best product with the best conditions for their need
Personal finances
The customers very often manage badly their personal finances. Due to which become overexposed, become insolvent, loose property, underestimate insurances and loose income, etc.are not acquainted with investments in mutual funds, pension fund as alternative to deposit and saving products
aimed to provide basic information related with financial products (consumer loans, mortgages, credit cards, overdrafts, deposit, saving account, mutual fund, pension funds). Set up bank term dictionary with most used bank terms with decent and understandable explanations.
aimed to provide some advisory and recommendations related with execution of certain financial transactions (for example what steps should pass and what docs one needs to take a mortgage).
Aimed to compute various interest rates, installments, fee charges on loan and deposit products of all banks presented on BG market (28 banks) and thus make comparisons and choose the best option for the customers.
Smart tool, which upon input customer data navigated through special questionnaire, provides financial status of the customers (ratios, indebtedness rate, safety bench marks), indicates rooms for improvement (red zones) and good financial management performance (green zone).