Roketbank: kuongorora kwevashandi nevatengi

Pakati pezvikamu zvinokura zvakanyanya zvehurumende yeRussia ishamba yeInternet. Vazhinji vokuRussia vari kutanga kushandisa mazano anobhadhara paIndaneti, vachishandisa zviwanikwa zvekushandisa, vachiisa zvikumbiro zvavo. Kurwisana nemamiriro ezvinhu aya, vatengesi vanoita zvakasiyana-siyana kutanga. Pakati pavo pane mapurogiramu anobva pamusana wekushandisa shanhare yeInternet semugwagwa wokukurukurirana pakati pebhangi nevatengi vavo. Muchiitiko ichi, kushanda kwekushandiswa kunobatanidzwa kunonyanya kukosha kubva pakuona kwekuzadzisa zvido zvemushandisi kupfuura, chaizvoizvo, mabasa echikwereti uye sangano rezvemari. Muenzaniso weiyo purojekiti "Roketbank". Ndezvipi zvayo?

General ruzivo pamusoro pebasa

"Rocketbank", maongorori ayo ari kunyanya kuoneka pamatambo ekutengesa ari paIndaneti, ibasa rekugadzirira zvikwereti uchishandiswa zvifambiso zvemafoni. Yurlitso, uyo ane chikwata ichi, haana mahofisi emafambisi ekufambisa, mahofisi ekufonera kana inthanethi interfaces, kufanana nebhangi, iyo inogona kushandiswa kugadzirisa kuwanikwa kwevashandi kuakaiti. Nyanzvi dzakawanda nevashandisi vanoreva pfungwa ye "Rocket Bank" (kuongororwa pamasuo ekutaura anotsigira izvi), kunyanya senhare yemutambo. Nokudaro, zvingava zvinobatsira kufunga nezvebasa rekushanda kwekuenderana, asi zvishoma gare gare. Kubva ikozvino tichadzidza kuti kushandiswa kwemazuva ano "Roketbank" kwakasikwa sei.

Basa iri rakauya sei

Izvo basa iri mubvunzo rakaiswa kumusika nevadzidzisi vezvematongerwo enyika avo vakapinda mumabhizimisi akadaro seGroupon. Vashandi vezvemabhizimisi vakasarudza kugadzira basa muRussia izvo zvaizoita kuti basa revatengi rive nemabhanki, asi panguva imwechete iyo haisi pamutemo kuva chikwereti uye sangano rezvemari. Vakatangi ve "Roketbank" panguva imwechete vakazviisa ivo basa rokutungamirira basa raizoonekwa sebhangi nevatengi. Kuti zvigadziriswe, zvakange zvakakodzera, kutanga kune zvose, kuwana shamwari yakatendeka munharaunda, zvechokwadi, chikwereti uye masangano emari.

Sezvo vatangi vekutanga vakatanga kubvunzurudza nevhidhiyo, mabhesi makumi maviri eRussia akataurirana, uye kazhinji zvibvumirano zvaisagona kugadziriswa nekuda kwekushaya kunzwisisa kwezvakanyorwa zvepurogiramu nematongerwo emari. Mabhangi, sezvakataurwa nevatungamiriri vakuru ve "Rocketbank", vanojaira kuona mutengi semutengi, kunyanya, zvikwereti zvemari. Uyezve, kutanga, kwakabva pamagariro ayo, kwakanga kusingatarisi basa mubato rakadaro. "Makedheni eDheetet" makadhi echikwereti (mifananidzo yezvakagadzirwa zvinoenderana nemuchina zvinogona kuonekwa pasi apa) haana kuronga kubudisa.

Chinhu chinonyanya kukosha nevatangi vekutanga kuedza kuwanikwa kubva kune vakaroorana isungano yekubatanidza intranet network infrastructure kuitira kuti ugone kutarisira maaklayiti emarenda. Vakawanda vevashandi vemasangano emari vakanga vasati vakagadzirira, saka, kutsigira matanho e "Rocketbank" purojekiti, mhinduro dzevashandi vekuchengetedza kwezvikwereti zvekwereti maererano netariro yekubatana kwakadaro yakanga isiri yakanyanya kunaka.

Zvisinei, pakupedzisira vatsigiri vepurojekiti vakakwanisa kuwana shamwari. Iri raiva CB Interkommerts. Iri sangano, iro Roketbank rine chibvumirano, rinoshandisa nzvimbo dzakanaka mumabhenji. Kunyanya, iri pakati pepamusoro 70 masangano emari yeRussia mune zvemari. Nekushandira pamwe kwevashandi, kutanga-up, saka, yakatangwa pamusika muna 2013.

Target boka revatengi

Vakatangi ve "Roketbank" vakatsvaga boka revarwi reprojekti yevashandi sevashambadziri veIndaneti. Vavatangi vekutanga vanotarisira kuumbwa kwekukosha kwevashandi kubva kune rumwe rutivi rweI IT chikamu - kunyanya, vanhu vanojaira kupinda nguva dzose kumasevisi eInternet vanogona kunyanya kushandiswa vashandisi vebasa. Nokudaro, purojekiti "Rocket Bank" yakatanga kukura zvakasimba muchikamu chemafoni cheInternet. Kunyange zvakadaro, vatangi vekutanga-up vanofungawo nezvekwanisi yekuwedzera mitambo yefambisi uyewo netsika yeInternet banking system. Asi panguva imwe chete chinyorwa - chikumbiro chebasa rakadaro mumutengo unodiwa hachina kuumbwa.

Iye zvino tinotendeukira kuchidzidzo chezviitiko zvekushandiswa kwakagadzirwa neRoketbank. Mhedziso yegadziriro iyi inogona kuwanikwa kuburikidza nekuongorora mabasa ayo makuru.

Zviratidzo zvekushandiswa kwe "mobile" Rocketbank

Pakati pezvinhu zvinonyanya kuzivikanwa zve "Rocketbank" yekushanda, inowanikwa kune vashandisi vezvigadzirwa zvemagetsi, ndiyo muongorori wemari. Tsvakiriro yakadaro inoratidza zvakajeka. Mushandisi wezvinhu anoshandiswa muzvikamu zvakasiyana. Izvo zvinoratidzwawo seperesiti yechati, iyo inobvumira mushumiri kutarisa zvinowanzodiwa mari.

Mu tepi yekubhadhara kwekutengesa, zita rekutsvaga kwekutengeserana umo zvinhu zvakatengwa zvakasarudzwa. Kana zvichidikanwa, unogona kuwana dambudziko rinodiwa nekushandisa sarudzo yekutsvaga system, pamwe chete nemataki. Zvinogona kuonekwa kuti nhamba dzezvinoshandiswa nemumwe mudzidzi dzinogona kusanganiswa nekushanda kweimwe.

Pikati yePlastiki

Chimwe chinhu chinounza mabasa aRedetbank pedyo nechetsika chikwereti nemari yezvemari ndiyo nyaya yeplasitiki makadhi. Mumwe nomumwe muchengeti webasa iri mubvunzo anogamuchira pepurasitiki yeVISA yokubhadhara. Kuwanikwa kweizvi zvinoreva kuti munhu ane kodzero yezvinodiwa zvakakosha. Pakati pavo pane zvidhakwa muzvitoro, zvirongwa zvakasiyana-siyana zvebasa, kushandiswa kwebasa.

Makadhi ayo Roketbank anopa (mhinduro yevabereki pane iyi ndiyo yakanyanya kunaka) yakabatana neakaunti apo mari inowanikwa nemunhu inowedzera inenge 9% pagore. Panguva imwecheteyo, zviyero zvakakodzera hazvifungidziri sehomwe - dzinogona kushandiswa zvakasununguka kana kuwedzerwa nekuzadzikisa nhoroondo. Kufarira nezvemari inowanikwa pa kadhi, inopomerwa zuva rega rega, asi inowanikwa iko kamwe pamwedzi. Mamiriro makuru ekuwedzera chiyero pane iyo nhoroondo kuvepo kwemazana makumi matatu emabhururi pairi. Kana pane zuva ripi neripi romwedzi mari ichava shoma, ipapo kufarira hakuzoverengwi kusvikira kukosha kwavo kusvika kusvika makumi matatu makumi matatu emabhuru. Iko mari yakawanda iyo inofanirwa kubhadharwa ndeye 300 000 rubles.

Imwe nzira ndeyekuwedzera mari kune muchengeti we "Rocket Bank" system (maongorori anotaura kuti vanhu vokuRussia vanonakidzwawo nechisarudzo ichi) -kudzoka kubhasi yepaseti yekodhi paunotenga. Nokudaro, somuenzaniso, kana mushandisi akabatanidza mutengo we "All inclusive", ndiye achawana 1.5% yezvinodhura. Mutengo we "Chiedza" unovimbisa kudzokera ku-account ye1% kubva pakutenga.

Kuvimbika

"Rocket Bank", pasinei nekutanga kwemaitiro ekugovera mabasa, yakabatanidzwa, sezvataona pakutanga kwechinyorwa chacho, nekodzero yakazara uye yezvemari-CB "Interkommerts". Sangano iri rave richishanda pamusika weRussia kwemakore anopfuura makumi maviri uye chikamu chedhipu inshuwarheni yehurumende. Nzvimbo iyo Rocket Bank inobatirana nayo, kukosheswa maererano nehuwandu hweNPA yakanyatsonaka - yeA + level. Izvi zvinoreva kuti inogona kuonekwa sechinhu chakachengetedzeka uye chechokwadi chemari.

Mari Yebasa

Bhizimisi yebhizimisi re "Roketbank" inotora kuunganidza komisheni kubva kune vatengi mukuchengetedza kadhi. Kukosha kwaro kunobva pamutengo. Semuenzaniso, kana iri "Zvose zvinosanganiswa", ipapo mari ye 290 rubles. Nokuda kwekutengesa "Chiedza" - 75 rubles. Sezvataona pamusoro apa, Rocket Bank haibhadhara kadhi rechikwereti. Saka, kana kambani yemutengi ichitsvaga mari, nhoroondo yake inogona kudziviswa kana mari inodiwa isingabhadharwi mumwedzi mitanhatu.

Zvinogona kucherechedzwa kuti kushandiswa kwemamwe mabasa anopiwa kune mamwe mabhangi, kazhinji pane zvekutengeserana - mu "Rocketbank" yakasununguka. Pakati pavo - kuumbwa kwetikiti, zvinyorwa. Mune mimwe mitero - kugoverwa kweSMS-notifications.

Kushandisa mari

Pakati pezvinhu zvinonyanya kuzivikanwa zve "Roketbank" system ndeyokwanisa kutenga mari pasina komiti pane chero ATM. Chinhu chikuru ndechekuti anotsigira basa nemari yekubhadhara VISA. Kunyange zvazvo, chokwadi, zvakaoma chaizvo kuwana ATMs isingasviki nechirevo ichi.

Ichokwadi, nhamba yekusununguka kusununguka yakakwana. Nehurukuro "Zvose zvakabatanidzwa" dzinogona kuva gumi mukati memwedzi. Mutengo we "Chiedza" unovimbisa kusunungurwa kwepachena kwemari. Izvo hazvina basa panguva imwechete iyo nyika ATM iripo - chinhu chikuru ndechokuti inotsigira basa neVISA kubhadhara.

Account replenishment

Pane nzira dzakawanda dzekuzadzikisa iyo nhoroondo, iyo iyo kadhi yemaklayiti ye "Rocketbank" yakasungirwa.

Chokutanga, zvinobvira kutumira mari kubva kubhuku reimwe sangano rezvemari, uchishandisa kadhi repurasitiki rakabatanidzwa naro. Kuti uite izvi, iwe unotanga kutanga kushandiswa kwe "Rocketbank", uye sarudza sarudzo "Deposit", zvino-pinda data yakakodzera pane kadhi, iyo inorongwa kubvisa mari. Chinhu chikuru ndechokuti bhagheni yakabudisa iyo inotsigira Card-2-Card technology. Mukugadzirisa nzira iyi yekukweretesa mari kubhuku re "Rocketbank" commission haisi mhosva.

Chechipiri, unogona kuita mari kuburikidza nemagetsi e Joint Settlement System (kana OPC) kana ICM ATM. Zvinogona kucherechedza kuti mumushandisi we "Rocket Bank" (kugadziriswa kwevatengi vanosimbisa izvi) kune basa rekuratidzira hurongwa hwezvinhu zvakafanana. Kuderedza mari kuburikidza neATM yeBC kana ODP zvigaro kune wekambani ye "Roketbank" inoitwawo pasina komisheni.

Chechitatu, iwe unogona kudzorera kadhi rako nekuenzanisa nekubatsira kwebhanji rekutsvaga. Iyi nzira haisi iyo inokurumidza-iyo mari kana ichibvumidzwa inonzi inenge inenge mazuva maviri.

Imwe nzira yekudzorerazve compte ye "Rocketbank" - chisarudzo "Chikumbiro chokudzorera". Kunosanganisira kukumbira mari kuti iendeswe kune mumwe munhu kuburikidza ne-e-mail. Kana wagamuchira mharidzo, uchitsemura uye ukanyatsobatana nekubatanidza kubasa rezvekudzorera re "Rocketbank", shamwari kana shamwari yemudhi anogona kumupa mari yekutsigira mune imwe kana imwe. Mutengi we "Roketbank" anogonawo kutungamira mari kubva kubhuku rake kune vamwe vashandisi, kubhidhi rebhangi kana kumabhishopu emashoko.

Nzira yekubudisa kadhi "Rocketbank" sei?

Saka, mutengi aive nechokwadi chokuti purogiramu yatinenge tiri kuifarira inofadza kwaari, uye chikwereti uye sangano rezvemari iro iro Rocket Bank rinobatirana pakurongwa kwebhangi inotora nzvimbo inogamuchirwa-yenyaya yekunyora kambani mubasa iri risina kujairika. Nzira yekugadzirisa dambudziko iri sei?

Kutanga, iwe unofanirwa kuisa mapepa epurasitiki pawebsite ye brand. Mushure meimwe nguva - inenge yevhiki imwechete - mutumwa anozofanira kusangana nemunhu anokumbira, uyo achava nekadhi ye "Roketbank" uye kontrakiti. Vanofanira kusayinwa, mushure mokunge kadhi yacho ichishandurwa. Kuwanika kwekushanda kuchazarura masikati.

Team "Roketbanka" nemhinduro kubva kuvashandi

Chinonyanya kukosha chekugadzikana nekukwikwidzana kwebasa chero ripi zvaro, kunyanya kubhengi, inyanzvi uye kubatana kwebasa reboka rayo. Mamiriro acho ezvinhu sei mu "Rocket Bank"? Izvo zvakajeka zvepurojekiti iyi ndeyokuti inenge yakanyatsoshanda paIndaneti. Pakati pezvigadzirwa zve "Rocketbank", kushanda kuburikidza neInternet, ndiro dhipatimendi rokudhinda. Kwenguva yakareba iye akamiririrwa nomumwe wevatangi vekambani, avo vakazvimiririra kuchengetedza blog, vakataurirwa mumagariro evanhu, vakakurudzira nzvimbo yacho. Nokufamba kwenguva, akanga ane vatsigiri, asi mibvunzo yomubvunzo yakabvunzwa kuburikidza nehutano hwevanhu, mukuru-mutungamiriri weprojekiti anoenderera mberi kupindura.

Chizhinji chekukumbira kwevatengi kunouya kuburikidza nekushandiswa kwe "Roketbank" system. Mazano ekutanga vashandi paIndaneti haawanzozivikanwe zvokuti anogona kunge asinganzwisisiki nezvemamiriro ekushanda mune rimwe racho, asi zvinogona kufungidzirwa kuti kutaurirana nemutengi kunoendeswa nemhinduro yezvinhu zvose uye zvinetso zvakaoma. Mukutaura, vatungamiri vakakwirira vekambani, avo vari kunyanya kubatanidzwa mukugadzirisa zvinetso izvo zviri mvumo yeyanzvi vashandi, zvakare vataure pamusoro peizvi.

Maererano nevatungamiri vekutanga muhurukuro nevanhau, basa guru rinoiswa pamberi pemurairo "Roketbank" nderokugadzirisa dambudziko iri, kwete kungorega kusazvinyora uye kutsanangurwa zvakasununguka. Saka, somuenzaniso, kana basa rekugadzirwa kwekambani rinopesvedzerwa nekukundikana kwekambani, vashandi vekutsigira havazi kungoudza mutengi pamusoro pazvo, asiwo zvinoratidza kuti vanoshandisa izvi kana kuti nzira iyo inogona kubhadhara.

Zvichava zvinobatsira kudzidza zvakananga zvebasa rebasa rekutsigira reRoketbank mamwe.

Zvichemo zvebasa rekutsigira uye kuongororwa pamusoro pazvo

Pasinei nokuti basa riri mubvunzo harina call centre, yakafanana mubasa rekubhengi, rutsigiro rwebasa re "Rocket Bank" (kugadziriswa kwevatengi vanosimbisa izvi) iri kushanda pakakwirira. Kunyanya, sarudzo yekukumbira rubatsiro rwevashandi vebasa iri kutotanga kushandiswa mubasa racho pacharo. Iwe unongoda kutumira shoko kumunhu anoshanda nemubvunzo. Sezvo vashandisi vanocherechedza, vashandi vebasa vanopindura mibvunzo zvine mwero uye vanoedza kugadzirisa zvinetso nokukurumidza sezvazvinogona.

Zvinogona kuonekwa kuti rubatsiro rwebasa re "Rocket Bank" (kuongororwa pamusoro pebasa revashandi vekutanga vanosimbisa izvi) rinoshanda pasina mazuva. Nyanzvi dzekugoverana kwakakosha kwekambani dzinoita basa ravo mu 2 shifts - kutanga musi 8 am uye kupedzisa musi 12 masikati. Sezvo vatungamiri vepamusoro yejekiti yepurogiramu mubvunzurudzo nevhidhiyo, kuumbwa kwevashandi veyanyanzvi vanoshanda muusiku husiku hunotarisirwa munguva. Pakati pemitemo mikuru yekushanda kwebasa rekusigira re "Rocketbank" -kukurukurirana nevatengi mumutauro unogamuchirwa, pasina kushandiswa zvakanyanya kwemashoko ekubhengi.

Kunyatsoteerera kunobhadharwa kumashoko pamusoro pebasa rebasa racho. Chero ani zvake ane kuongorora kwekuvaka kweDradiet Bank, mhinduro pamusoro pebasa rebhangi, inofungidzirwa zvakadzama nemishandiro akakodzera echikwata. Muzhinji, vatengi vanogutsikana nehuwandu hwevatsigiri veRoketbank. Izvi zvinotsigirwa nemafungiro akanaka evanhu, kunyanya mumagariro evanhu, nhamba yakawanda ye "vanoda" nemashoko anonzwisisika.

Ichi ndicho chiduku chedu, kuzarura chokwadi chikuru pamusoro pejekiti "Rocket Bank", kudzokorora. Vose muchengeti mhinduro uye nekusimudzirwa kwebumbiro rebasa rinoita kuti zviitike kugumisa kuti iyi iri purogiramu yakavimbiswa. Kutarisana nemakwikwi kune zvishoma, saka kukura kunogona kwekutanga kunogona kuva kunakidza tichifunga nezvemasimba anowedzera ekusimudzirwa kwemafashoni eInternet muRussia.