Roketbank: reviews of employees and clients

Among the most dynamically growing segments of the Russian economy is mobile Internet. More and more Russians are beginning to use relevant online services, actively buying gadgets, installing applications for them. Against the background of this trend, entrepreneurs create different start-ups. Among them are projects based on the concept of using the mobile Internet as a channel of communication between banks and their clients. In this case, the functional of the corresponding application becomes more significant from the point of view of meeting the needs of the user than, in fact, the services of the credit and financial organization. An example of such a project is "Roketbank". What are its features?

General information about the service

"Rocketbank", reviews of which are increasingly appearing on thematic online portals, is a service for arranging payments using mobile applications. Yurlitso, who owns this brand, does not have customer service offices , call centers or online interfaces, like banking, that could be used to organize customer access to the account. Many experts and users refer to the concept of "Rocket Bank" (reviews on thematic portals confirm this), primarily as a mobile service. Therefore, it will be useful to consider the functional of the corresponding application, but a little later. So far we will study how the unusual service "Roketbank" was created.

How did the project come about

The project in question was introduced to the market by entrepreneurs who participated in such businesses as Groupon. Businessmen decided to create a service in Russia that would significantly simplify the work of clients with banks, but at the same time it would not legally be a credit and financial organization. The founders of "Roketbank" at the same time set themselves the task of launching a service that would be perceived as a bank by clients. In order to solve it, it was necessary, first of all, to find a reliable partner in the environment, in fact, credit and financial organizations.

As the founders of the startup admit in an interview with the media, about 20 Russian banks were negotiated, and in most cases partnerships could not be established due to a lack of understanding of the specifics of the project by traditional financial structures. Banks, as noted by top managers of "Rocketbank", are accustomed to perceive the customer as a consumer, in particular, credit services. In turn, the startup, based on its concept, did not expect work in such a segment. "Rocket Bank" credit cards (photos of the corresponding product from the brand can be seen below) did not intend to issue.

The main thing that the founders of the startup tried to get from partners is the agreement to connect to the intranet network infrastructure so that you can manage client accounts. Many of the employees of financial organizations were not ready, therefore, to support the initiatives of the "Rocketbank" project, the feedback of security officers of credit institutions regarding the prospects for such cooperation was not the most positive.

However, eventually the founders of the project managed to find a partner. This was CB Interkommerts. This organization, with which Roketbank has an agreement, occupies rather decent positions in the rating among banks. In particular, it is among the top 70 Russian financial institutions in terms of assets. By joint efforts of partners, the start-up, thus, was launched on the market in 2013.

Target group of clients

The founders of "Roketbank" determined the target group of the project clients as mobile Internet users. The founders of the startup expect the formation of a significant inflow of customers from the side of the IT segment - in particular, people who are accustomed to regular access to online services can be particularly active users of the service. Thus, the project "Rocket Bank" began to develop actively in the mobile segment of the Internet. However, the founders of the start-up also consider the possibility of supplementing mobile services also with the traditional Internet banking system. But at the same time note - the request for such a service in the required amount has not yet been formed.

Now we turn to the study of the possibilities of the application developed by Roketbank. An overview of this solution can be achieved by examining its key functions.

Features of the mobile application "Rocketbank"

Among the most notable features of the "Rocketbank" application, available for users of mobile gadgets, is the cost analyst. Such an application displays graphically. User costs are classified into several categories. They are also displayed as a percentage chart, which allows the user to track the most frequent costs.

In the tape of payment transactions, the name of the point of sale in which the goods were purchased is fixed. If necessary, you can find the necessary data by using the application search system, as well as tags. It can be noted that the statistics of expenses of one user can be combined with the performance of another.

A plastic card

One aspect that brings Rocketbank's activities closer to traditional credit and financial institutions is the issue of plastic cards. Each client of the service in question receives a plastic card of the VISA payment system. Possession of this means the person has the right to significant preferences. Among them are discounts in stores, various service programs, personalization of services.

The cards that Roketbank gives out (customer feedback on this aspect is the most positive) are connected to accounts where funds placed by the user increase by about 9% per annum. At the same time, the relevant amounts are not considered a deposit - they can be freely spent or increased by replenishing the account. Interest on funds that are placed on the card, are charged every day, but are actually paid once a month. The main condition for increasing the amount on the account is the presence of 30 thousand rubles on it. If on any day of the month the money will be less, then the interest will not be accrued until their value reaches 30 thousand rubles. The maximum amount for which interest can be charged is 300 thousand rubles.

Another possibility is to increase the income for the client of the "Rocket Bank" system (the reviews say that Russians are also very impressed by this option) - a return to the bonus percent account when shopping. So, for example, if the user has connected the "All inclusive" tariff, then he will receive 1.5% of the costs. The tariff "Light" guarantees return to the account of 1% from purchases.

Reliability

"Rocket Bank", despite the originality of the format for providing services, is affiliated, as we noted at the beginning of the article, with a full-fledged credit and financial institution - CB "Interkommerts". This organization has been operating on the Russian market for more than 20 years and is part of the deposit insurance system. The institution with which Rocket Bank cooperates, the rating according to the version of the NPA is quite decent - the A + level. That is, it can be considered a fully stable and reliable financial institution.

Service Fee

The business model of "Roketbank" assumes the collection of commission from the customers for the maintenance of the card. Its value depends on the tariff. For example, if it is "All inclusive", then the fee is 290 rubles. For the tariff "Light" - 75 rubles. As we noted above, Rocket Bank does not issue credit cards. Therefore, if the customer's account runs out of funds, his account can be blocked if the required amount is not paid within 6 months.

It can be noted that the use of certain services that are provided in other banks, usually on a commercial basis - in "Rocketbank" is free. Among them - the formulation of certificates, statements. In some tariffs - distribution of SMS-notifications.

Cashing of funds

Among the most notable features of the "Roketbank" system is the possibility of cashing cash without commission at any ATM. The main thing is that he supports the work with the payment system VISA. Although, of course, it is very difficult to find ATMs that do not meet this criterion.

True, the number of free withdrawals is limited. With the tariff "All inclusive" they can be 10 within a month. The tariff "Light" guarantees 5 free withdrawals of cash. It does not matter at the same time in which country the ATM is located - the main thing is that it supports work with the VISA payment system.

Refill

There are several ways to replenish the account, to which the client card of "Rocketbank" is tied.

First, it is possible to transfer money from the account of another financial institution, using a plastic card attached to it. In order to implement this procedure, you need to launch the application of "Rocketbank", then select the option "Deposit", then - enter the necessary data on the card, with which it is planned to withdraw funds. The main thing is that the bank that issued it supports the Card-2-Card technology. In the framework of this method of crediting funds to the account of "Rocketbank" commission is not charged.

Secondly, you can make cash through the terminals of the Joint Settlement System (or OPC) or the ICM ATM. It can be noted that in the application "Rocket Bank" (customer reviews confirm this) there is a function of displaying the coordinates of the corresponding items. Depositing funds through the ATM of the IBC or ODP terminals to the account of the client of "Roketbank" is also carried out without commission.

Thirdly, you can refill your card balance with the help of an ordinary bank transfer. This method is not the fastest - the funds when it is activated are credited in about 1-2 days.

Another option to replenish the account of "Rocketbank" - the option "Replenishment request". It involves asking for money to be transferred to another person via e-mail. Having received the message, having opened it and clicking on the link to the replenishment service of "Rocketbank", a friend or a friend of the user can provide him with financial support in one or another size. The client of "Roketbank" can, in turn, direct the funds from his account to other users, to a bank card or to the bank details.

How to issue a "Rocketbank" card?

So, the user was convinced that the project we are considering is interesting to him, and the credit and financial institution with which Rocket Bank cooperates in the ranking of banks takes an acceptable position - the case for registering an account in this unusual service. How to solve this problem?

First, you need to apply for a plastic card on the brand's website. After some time - about 1 week - a courier will have to meet with the applicant, who will have a card of "Roketbank" and a contract. They need to be signed, after which the card will be activated. Access to the application will open during the day.

Team "Roketbanka" and feedback from employees

The most important aspect of stability and competitiveness of any service, especially banking, is the competence and coherence of the work of its team. How is the situation with this in the "Rocket Bank"? The specificity of this project is that it almost completely functions online. Among the key structures of "Rocketbank", working through the Internet, is the marketing department. For a long time he was represented by one of the founders of the company, who independently maintained a blog, communicated in social networks, promoted the site. Over time, he had assistants, but the user's questions asked through the social network, the top-manager of the project continues to respond.

The bulk of customer requests come through the application of the "Roketbank" system. Reviews of startup employees online are not so common that they can be unambiguously understood about the conditions of work in the branded one, but it can be assumed that communication with the client is accompanied by a solution of both routine and very complicated issues. In principle, the top managers of the company, who are also actually involved in solving problems that are the prerogative of hired specialists, also speak about this.

According to the startup executives in an interview with the media, the main task that is put before the command "Roketbank" is to solve the problem in fact, not limited to unsubscribes and formal explanations. So, for example, if the technical service is hampered by a technical failure, the support staff not only informs the customer about it, but also suggests that they use this or that alternative way to make a payment.

It will be useful to study the specifics of the work of the support service of Roketbank more.

Features of the support service and reviews about it

Despite the fact that the service in question does not have a call center, similar in function to banking, the service support system "Rocket Bank" (customer reviews confirm this) is functioning at a high level. In particular, the option of requesting the help of a service employee is already implemented in the application itself. You just need to send a message to the operator with the question. As the users note, the service staff responds to inquiries politely and try to solve the difficulties as quickly as possible.

It can be noted that the support service of the project "Rocket Bank" (reviews about the work of start-up employees confirm this) works without days off. Specialists of the relevant division of the company carry out their work in 2 shifts - beginning at 8 am and ending at 12 noon. As the top managers of the project note in an interview with the media, the formation of a staff of specialists working in the night shift is expected in the course of time. Among the main principles of the functioning of the support service of "Rocketbank" - communication with the client in an accessible language, without excessive use of banking terminology.

Much attention is paid to comments on the work of the service. Anyone with a constructive evaluation of the Rocket Bank project, feedback on the work of the bank, is considered in detail by the relevant services of the brand. In general, customers are satisfied with the level of customer support for Roketbank. This is confirmed by the positive opinions of people, especially in social networks, a large number of "likes" and meaningful comments.

This is our small, revealing the main facts about the project "Rocket Bank", a review. Both customer feedback and the development of the service policy make it possible to conclude that this is a very promising project. Direct competitors have little, so the potential growth of the startup can be impressive considering the dynamic indicators of the development of the mobile Internet market in Russia.