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Alior Bank is an innovative and universal savings and loan bank for private persons, legal entities, and other domestic and foreign entities.
The bank’s activity covers bank account maintenance, granting financial credits and loans, issuing securities, and foreign currency exchange. The bank also offers brokerage services, financial consultants and agents, arrangement of corporate obligation issues, and other financial services.
Distribution channels
At the end of 2016, Alior Bank had 286 branches, including 7 Private Banking centers and 11 Regional Business Centers. Moreover, the Alior Bank distribution network grew by 56 branch offices and 291 partner branches as a result of acquiring separated part of Bank BPH and its 505 partner branches (franchise).
At the end of 2016, Alior Bank had 286 branches, including 7 Private Banking centers and 11 Regional Business Centers. Moreover, the Alior Bank distribution network grew by 56 branch offices and 291 partner branches as a result of acquiring separated part of Bank BPH and its 505 partner branches (franchise). The bank’s products were also offered by approximately 3 thousand financial agents and 10 thousand installment agents.
Alior Bank also used distribution channels based on an innovative IT platform covering the following: online banking, mobile banking, and telephone service centers.
The bank’s offer was also available at financial agents’ like Expander, Open Finance, Sales Group, Dom Kredytowy Notus. Although the available offer differs between agents, it is generally composed of cash loans, consolidation credits, mortgage credits, and installment credits.
The aforementioned distribution network is supported by 573 service points, which offer the bank’s products under the brand T Mobile Banking Services provided by Alior Bank. As at 31 December 2016, there were 77 dedicated T Mobile Banking Services branches providing full banking services in scope of the aforementioned service points, where the clients may use such banking products as: loan, credit card, overdraft, deposits, foreign currency accounts, bank account for individual customers and corporate customers.
At the end of last year, the bank had 71 points in Tesco markets, which offered credit products under the Tesco Finances brand. The bank plans to strengthen its cooperation with Tesco by expanding the sales network with more locations in the partner’s stores and gradually growing the portfolio of products and services available for the supermarket’s clients.
T-Mobile Banking Services
Cooperation with T-Mobile resulted in an extensive increase in revenues and lending action in 2016. The credit sales grew by 94% y/y, and revenues – by 60% y/y. 9 times more credit cards were sold than in the previous year, which resulted in a volume growth by 530% y/y. The procedure of financing headphones encompassed over 112 thousand communication devices. In October, T-Mobile Usługi Bankowe launched a completely new mobile banking application. Developed in a strict compliance with the mobile first rule, it offers all functions of traditional e-banking.
Innovations
Alior Bank has been focusing on innovations from its very begginig. The Innovation Lab team, which was established in 2015 and is responsible for developing the bank’s innovations, supports the search for and implementation of innovative solutions. The results of the group’s work include the Trusted Advice mobile application, which was designed for the private banking client and provides top service convenience. The Trusted Advice was first presented at the Mobile World Congress in Barcelona.
The success of Trusted Advice has motivated further activity aimed at using tablets to create a new form of customer service and optimize the working environment of bankers. The project’s transformation is planned to cover the whole sales network by June 2017.
Over the course of 2016, Alior Bank also received numerous awards for its innovations. One of them was the Dronn project, which took first place in the „Retail Banker International” contest in the category of „Best technology used in direct customer service”.
Dronn, or Virtual Consultant, is an artificial intelligence system supporting remote communication with clients. The “Virtual Consultant” combines automatic speech detection, semantic analysis, speech synthesis, natural speech transformation, and biometric voice identification. The Virtual Consultant is an artificial intelligence system – a virtual representative of the Bank designed to converse with the clients in a cohesive manner, i.e. respond to answers and ask appropriate questions. Alior Bank uses it in debt recovery to encourage clients to pay their debts and in marketing research.
