Alior Bank systematically integrates with the API (application programming interface) of other financial institutions. As a result, the number of people for whom a convenient credit process using the AIS service, i.e. access to account information, is available is growing.
„Currently, it is available to customers whose income from an employment contract or pension is transferred to the account in one of seven banks: Santander Bank Polska, ING Bank Śląski, Bank Pekao and PKO BP, mBank, Millenium, and from July also at BNP Paribas”, according to the press release.
The service, introduced at the end of 2019, is used by Alior Bank when applying for a loan at any Alior Bank branch and by phone. In the latter case, it is possible to take out a loan without leaving your home. The solution will soon also be used in the online loan process. The account information access service (AIS) enables the collection and delivery of data on the amount of remuneration or benefit received on an account also at another bank.
„The process is completely safe, intuitive and similar to online payments. The customer on his phone goes through several steps, which in effect allow you to confirm the income information in a few minutes”, the bank said.
The integration of Alior Bank’s banking with the API of other banks will also allow Alior Online users to check the balance of their account in seven financial institutions in Poland. This service was introduced in May this year, and its further development is planned in the coming months.
„Tendinţele pe care le-am remarcat înainte de începerea pandemiei s-au accelerat pe perioada stării de urgenţă. Am văzut acest lucru ca o oportunitate, un tipping point pentru bancă. Post-pandemie nu avem cum sa ne întoarcem la comportamentul financiar pe care îl aveam până în februarie a.c. Relaţia românilor cu online-ul s-a schimbat. In plus, cardul fizic se va dematerializa. Vom asista la o scădere a cererii pentru cardurile fizice, respectiv la o creştere a preferinţei pentru componenta digitală a acestora.”