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The tools of the digital world have made banking easier, but some think otherwise. However, at this time of recommendation for social isolation in the fight against the new coronavirus pandemic, it is essential to use the digital channels offered by banks so that the customer is not at risk. Institutions have encouraged use, even as attendance at agencies is reduced.
The five largest banks in the country are expanding their service through their digital channels, either through the Internet banking website or through applications, and saw the user base grow significantly in March (in the table there is information on each). However, they are suspicious of crowds in bank branches. Many people continue to go to bank branches, especially on paydays. And, due to security measures and municipal decrees, the agencies operate with a small number of employees and only make priority calls, which have not included payments in kind. For this, the customer must use the ATM.
The orientation of the Brazilian Federation of Banks (Febraban) is that users of the banking sector should avoid going to bank branches and give preference to the use of banking products and services through the digital channels available to the population. Banks have invested in expanding this infrastructure during the pandemic, including emergency services during the period, as a 60-day extension request.
See how banks’ digital channels have grown and how to use them
Digital channel growth:
According to the bank, from March 13 to April 7 there was an increase of approximately 61% in Internet banking, either on the website or the application. The most used services are balance / account inquiries and payments in general.
Caixa advises its clients to access the bank’s services through digital and remote channels, which have been reinforced. Customers can transfer funds through Internet Banking and Mobile Banking and the limit has been increased to R $ 5,000 for electronic transfers between CAIXA accounts in all channels, in addition to the possibility of increasing the limit for transactions through Mobile Banking by up to R $ 10,000.
Here’s how to use each digital channel:
Emergency help – application and website
Personal credit: Interested customers should access the Caixa website with you and select the desired option.
Payment of credit card bills: on request or through credit card service centers. Blue, national, international, gold cards and more: 4004 9009 (capitals and metropolitan regions), 0800 940 9009 (other locations); Platinum, Grafite, Visa Infinite, MasterCard Black and Elo Nanquim: 4004 9001 (capitals and metropolitan areas), 0800 940 9001 (other locations).
Recruitment of credit and overdraft: on the website, Internet Banking (for overdraft and CDC) and telephone: 0800 726 0505.
Pause on mortgage loans: installments for home financing and home equity loans can be requested through the Housing CAIXA application, by calling 3004-1105 and 0800 726 0505, option 7.
Digital channel growth:
According to the bank, the volume of opening digital accounts tripled in the first fortnight of April, compared to the first 15 days of March. There was an increase in the number of customers over 60, which represented 10% of the total new users of the application and, in April, they increased to 20%.
To meet digital demand, the bank hired 6,000 new assistants, bringing the total number to 16,000 bank employees who interact with customers every day. As a result, the average of remote calls increased by 80%.
Here’s how to use each digital channel:
In the application and the website (www.bb.com.br): it is possible to carry out almost all the transactions
WhatsApp banking operations are possible directly from the messaging application, such as: paying bills, making transfers, recharging cell phones, checking card limits, checking current account or savings account balances, and even renegotiating debts, among others services.
Telephone channels: 4004-0001 or 0800-729-0001.
Bradesco claims that there was growth in virtually all digital services. According to the bank, in March alone, the number of users in the Bradesco application grew by more than 315 thousand and there was a 70% increase in the number of digital account openings. Payments and transfers are among the most frequently performed transactions today, right after balance and statement inquiries.
Here’s how to use each digital channel:
Pandemic: You can find pandemic period information and services, such as a loan extension, at banco.bradesco/coronavirus.
Site and application: The bank’s website is bradesco.com.br and the application can be downloaded from the Play Store or App Store. It allows you to check balances and statements, make transfers, pay bills, request loans, and request checks, among other functions.
Telephones: 4002-0022 (capitals and metropolitan regions) and 0800-570-0022 (other regions).
According to the bank, since the beginning of the period of social isolation, the application has grown 12% in the number of users compared to the same period last year, reaching almost 13 million. And there was an increase in audience for more than 60 years, which jumped from 9% of new entrants to the bank’s digital channels to 27% in the past month.
Here’s how to use each digital channel:
Site and application: The client can, with the request of the bank and through the website www.itau.com.br, consult account statements, make transfers and recharge cell phones, contract loans, consult balances or transfer money to savings and even make the payment of barcoded invoices There is a lightweight version of the application that takes up little memory space on the phone.
To open an account: Itaú Abreconta application.
The bank had a 110% growth in the volume of digital contracting of the personal preventive credit line in March, with 25 thousand new accounts opened digitally. In the last week of March alone, there was a 15% increase in app downloads compared to the same period in February. There was also a high digitization rate for corporate clients, which already have a high digitization rate with 45,000 new clients accessing digital channels in March compared to February.
Here’s how to use each digital channel:
Website and application: Santander and Way applications, which can be downloaded from the Play Store or App Store, and www.santander.com.br.
Telephone: 24 hours a day, throughout the week, through SAC 0800-762-7777 or central 4004-3535 (for capitals and metropolitan regions) and 0800-702-3535 (for other places).
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