2. fintech
eCommerce
online
customer experience
In December last year, TBI Bank launched the first Open Market online crediting solution in Romania.

4. What is under the hood?
Iovation
Financial product set up including risk based pricing
Surveys
Risk engine
Integration with Credit Bureau and other DB
OCR

5. Customers were reluctant at first …
But we managed to make it work.

6. What did we do to improve?
Constantly improving the look and feel of the process
UX improvements
Educational video
Visual material integrated in communications and UX.
Clients are getting support through live chat and calls through the application process
Close follow-up
Customer centered campaigns
Depending on the application status, the client receives communications to help going on with the flow, exactly when he needs it.

7. How do we integrate the e-shops?
30 minutes onboarding process
Plugins for
Plug and play
API deep integration capabilities

8. How do we know our customers?
Video call identification
Can be accessed from any device
Available 24/7
Trained anti-fraud agents
Maximum security
OCR technology

9. What’s next in terms of identification methods used?
An option for authenticating with a valid card
Piloting 1 RON transfer
Making easier the identification process
One more level of automation
Biometric KYC
Exploring new ways to ease the authentication process …

10. And we grew: In the beginning Now 41.276 156 3.800 2 Integrated
e-Shops
Platform users

11. Our entire application flow: