TEB Pratik İhtiyaç Kredisi - TEB Practical Consumer Loan. Qorus Banking Innovation Awards 2013

Pratik Kredi is a consumer loan entailing remote application and instant assesment. The platform with its unique pricing and scoring strategies is designed to serve the Bank’s growth ambitions in the consumer loan market. Pratik Kredi’s main features: 1. Apply anytime anywhere : The prospect sends their National Identity Number via SMS/ TEB web site, IVR, call centre, internet branch and ATM. The platform gives back an immediate answer based on the applicant’s score in the Credit Scoring Bureau and Behaviour Score if s/he is already TEB customer. 2. The approved applicants can visit any TEB branch with no specific document to finalise the loan application in 15 minutes- the only document they need is again their national identity card. The process is streamlined and channels are integrated, there is no need to reenter the known customer details in branches. 3. Higher profitability and risk based pricing: Pratik Kredi is the first risk based pricing platform where there is a higher margin as the credit decision is based on limited information. 4. Automated lead follow up : The prospects applied for PratiKredi and granted an approval are assigned to the branch network for follow up based on a algorithm including the customer address registed in the National Address Database. The assignment is an Opportunity to Contact to the customer who have not visited the branch yet. 5. For the approved applications reminder SMS’s are sent automatically.