Let us be your valuable agent for collecting loan requests throughout the territory of BiH. How?
How to effectively connect clients, a physical person with a legal entity, through a Leasing Firm or, more simply, how to effectively stimulate and organize the transition of goods from seller to buyer?
One of the best ways is through financial institutions, accelerated by leasing loans, using mobile devices.
PhotoLoan is an application developed on the Android platform (there is a customized WEB version that works on all platforms) and its primary purpose is to offer fast forwarding of financial service requests through mobile devices. Using this mobile application, the user is able to send loan requests, finds basic information about all affiliates, agencies, stores, and finds them on the google map via the entered GPS positions.
Option of reviewing and searching the catalog of the Leasing Company's products is of particular interest, but in an interactive way. Each leasing product has the buttons "Documentation", "Calculator" and the button for starting an eventual presentation. Through the presentation and prepared documentation, the user learns more about the product, and by starting a financial calculator, he is able to accurately calculate the rate of the loan, receive a repayment (annuity) plan, according to the amount and the selected number of months. In this case, the application takes into account the set criteria, so "there is no wandering" in setting the necessary criteria, for example, the nominal interest rates, the desired amount, the number of repayment months. In addition, the user can send information about the "net" amount of salary that would cover the loan obtained, a short description of additional information and attach a picture of what it wants to obtain through such a loan.
Why image? It is known that every non-purpose loan is just called, and in the end each loan has its own purpose. By sending an image, the client emphasizes what he actually wants to buy and chooses an easier way to do it through a loan (in some way, the conversion of an unintentional into a dedicated loan is made). The leasing company now knows very well what is being done, so it only remains to examine the client's loanworthiness, which can be done through the obtained customer data and to approach the realization of the loan, request additional information from the client itself or refuse due to poor loan standing. We should not forget the third party's interest, i.e. mentioned store to sell your product.
The assumption is that in the future, the Leasing Agent will be more profiled for certain groups of clients, both natural persons and legal entities, and will be able to use this type of loan application, more precisely to use the knowledge for what purpose the loan is going, I would try to get the customer an even better bid than the one he sent to the physical person, using his own (their financial organization) network of contacts with correspondent sellers. This circle naturally closes, to the satisfaction of all parties.
Client is a physical person, he gets an even more favorable bid than he has found and thus creates a certain kind of gratitude towards Leasig firm and stronger connectivity (the so-called "socialization of clients") with it. The same is true for the seller, the client is a legal entity, because the Leasing company finds the buyers, and in the end, the Leasing Firm itself is also satisfied, which issued a loan that was set on good grounds. In addition to all of the above, the application has the ability to create a list of stores, and in the future, and their product catalogs, the purchase of which would be realized through the issuance of a leasing loan.
Here, for the Leasing Company, there may be equally interesting existing stores, with which they may already have some cooperation, as well as making new cooperation through this application, expressed by the interest of the application users with the particular store. The "Photo Loan" application has a built-in "local" database, which exchanges data with the server (MySQL database) over the network (eg WiFi). In this way, changes are made to the data on the user's application itself. At the moment, the application uses the information available from the web sites, but it should be emphasized that for the quality of the application, it is especially important that the information, in particular information about the product catalog with all the relevant data, be supplied by the Leasing Company itself, the prescribed document formats, or already offered or subsequently agreed upon.
|List of supported Leasing companies|
|Centralna Banka BiH|
|Hypo Bank BL|
|Hypo Bank Mostar|
|Intesa Sanpaolo BiH|
|Inv Komerc banka Zenica|
|Bosna Bank International|
|Komercijalna banka BL|
|NLB banka Tuzla|
|NLB Razvojna banka BL|
|Privredna banka SA|
|Raiffeisen bank BiH|
|Razvojna banka Fed BIH|
|Sparkasse Bank BiH|
|UniCredit Bank BL|
|Union banka SA|
|ZIRAAT BANK BH|