OTP Bank Albania currently has an online web and mobile platform that offers a wide range of services that we will detail in the following, but the Bank is also planning a project in the coming months, which aims to raise to an even higher level. our contemporary digital platform, enabling customers a greater convenience and security in the use of banking products and services offered through PC, Mobile and SMS Banking.
We plan not only to significantly improve the existing elements, but we believe that we will bring innovations in the digital banking market in Albania.
I would first like to mention the increase of security elements which in the conditions of a global digitalization is of essential importance, and I would continue with the increase of the range of services and products that the customer can benefit from using the Digital Bank.
Customers will be able to communicate online and virtually with the bank to negotiate about the transactions they want to perform or new products they will want to have, taking advantage of the preferential fee for their online purchase.
Customers will also benefit from personalized offers for banking services and products depending on their activity and needs.
How can customers apply for online banking?
Currently if the customer has purchased the Bank Online product, there is no need to appear at the bank, but can reactivate directly by contacting our Quality Service Center 24/7.
Otherwise the client can apply by appearing at one of the bank branches. This is for security reasons and identification of the client.
What actions can your bank customers take when talking about Digital Banking, in Online Banking?
Our constant goal is to fully adapt to the needs of our customers through a digital technology that follows the dynamic modern pace.
At Online Banking, our individual clients or corporations can be informed in real time and perform a wide range of transactions via personal computer or mobile phone. I am talking here about complete information related to the financial situation of the client as well as the details of all banking products in possession, starting from current accounts and deposits, to loans, overdrafts, debit credit cards, SWIFT messages, etc.
The range of transactions that can be performed online includes all types of national and international transfers, payment of invoices for public and private services, tax invoices, customs payments, credit card payments, opening time deposits, etc.
We offer a dedicated interface for corporate clients with functionalities and products that belong only to this category of clients. They can manage themselves, different levels of limits or authorities that company employees have in online transactions, adapting to its hierarchical organization. Interesting for companies is the mass payment of their employees or different suppliers, while maintaining confidentiality even within the company.
All these are accompanied by a high level of security starting from the moment of identification to personalized codes for confirming transactions.
Have you witnessed an increase in the use of digital banking during the period with limited mobility? And if so, what reports are we talking about?
In this period there has been an increase in the online activity of existing customers and an increasing demand from customers seeking to use
this service for the first time. The number of transactions has increased by more than 15% compared to previous periods and also the number of new customers in Online Bank.
Our ambitions are certainly greater thinking that this is just the beginning of a new era.