Premium Business Banking - A New Exclusive Business Client Service Model
Raiffeisen Bank Aval is a leading Bank for Business, which offers relevant products and services that meet the expectations of business customers, and sometimes even exceed them.
“The needs of small entrepreneurs and legal entities that have achieved significant development in business are different. A large company, for example, has higher potential, wants to receive additional values and requires modern solutions, and newly created and small private enterprises may need only basic banking products and services. It is no longer enough for powerful companies to simply open an account or make a deposit with a bank, such clients need priority services, confidence in quick access to business financing, modern communication channels, and additional privileges. That is why in 2019 Raiffeisen Bank Aval introduced premium business services with new modern products and services that have no analogues on the Ukrainian market. This gave a special status to the best clients of small and micro-businesses of the Premium Business Banking segment, ”says Marta Bondarchuk, lead manager of the Business Banking Division.
Typically, many banks in Ukraine have premium service programs for individuals, such as Affluent (wealthy high-income customers) and Private or VIP (especially important customers), while business executives and successful entrepreneurs are deprived of the opportunity to receive personalized premium service and status service . It was for them that a new premium package of services "Business Elite +" was developed, which makes it possible to get all the benefits of Premium Business Banking services. The program was created primarily for existing customers who have chosen us as the main financial institution and conduct operations as much as possible, use all banking products at Raiffeisen Bank Aval.
Benefits that the client will receive when servicing on the package of premium services “Business Elite +”
- Service in a modern comfortable Business Premium Zone
- Personal Business Premium Manager and Individual Service Manager
- Priority in service
- Premium Business Card - Visa Platinum Business - with many advantages: the ability to get a guaranteed discount on paying Uber taxi from / to the airport
- free baggage packing at the Borispol airport
- free baggage check-in, expedited check-in and expedited passport control at the Borispol airport using the Fast Line service
- free entry to the Lounge Zone at over 1000 airports in the world
- Free use of the Business Concierge Service service, which provides the client with the opportunity to solve their own and business issues through a convenient modern chat bot channel and a number of specialized free services per month (legal advice, services of an accountant, translator, designer, courier)
- Extended access to the YouControl service, which allows you to find and check the solvency of partners
- Opportunity to purchase an insurance program with a maximum insurance amount with a special discount
- Maximum filling with products and services in settlement and cash services
When creating the concept, the key was the feedback from existing customers, the main need of which was effective communication with the bank, speed, priority, time saving and assistance in resolving related issues, as explained by Premium Business Banking client Sergey Valerievich, owner of Galafrut PE: “ I am the head of the food industry. I have a personal manager at Raiffeisen Bank Aval - it’s very convenient and comfortable, I also use the Visa Platinum Business premium business card when I visit the Lounge Zone when I fly on business trips. Recently I used the business concierge service - the needs were different, but there was not enough time, and the business concierge service assistant helped me, from calling a taxi in Kiev, Berlin, Brovary and ending with monitoring prices for a large volume of fittings. He also took advantage of legal advice on the establishment and activities of a public organization - how to conduct business and accounting in such a status. I have a lot of tasks, and the more opportunities and services that help me in solving them, the easier and faster my company will move forward and its market position will be better. People like me need modern solutions and support. Having received so many advantages and additional services, now I really feel like a premium client."
In March 2019, Business Premium zones began to open in the branches of Raiffeisen Bank Aval, mainly in large cities. This is a new level of convenience, separate areas with a stylish, modern design, soundproofing and delicious coffee, but such rooms are not available in all branches of the Bank. Therefore, for customers who want to use all the benefits of Premium Business Banking in the package of services "Business Elite +" in small cities and regions, personal mobile premium business managers are assigned to customers. For example, an agro-client is in a remote area, it is inconvenient for him to come to the department in the regional center. Then the premium manager’s mobile business will visit the company himself, advise on any banking issues, tell about all the available benefits, services, products of the Bank, leave his contacts, and the entrepreneur will automatically receive a financial adviser, which is available from 9:00 to 18:00 by telephone for communication on the phone and instant messengers. What is especially important: Premium Business Banking personal managers are high-level specialists who are well versed in financing. In addition to the business premium manager, the business premium client also has a service manager who solves issues related to the processing of electronic payments, currency transactions, cash settlement transactions, and this is all with a separate, highest priority. Business Premium customers, fulfilling the conditions of premium services, have the opportunity to pay a premium package with a significant discount, this is only 200 UAH per month, while the total cost of service under the package of services "Business Elite +" is 950 UAH per month, and the cost of the entire set of free services and privileges significantly exceeds this price. “Premium Business Banking incorporates the best practices and experience of the RBI banking group. We strive to be the main Bank for the Business for the client, which can satisfy all the needs of our customers. We not only introduce new services and products, but also provide a comprehensive service. Of course, we will continue to work on new solutions that add additional value to business customers, ”summarizes Oksana Kutsokon, Head of Business Banking Division.
Raiffeisen Bank Aval was the first in Ukraine to offer business-class cards to entrepreneurs and managers of small and micro-business - Visa Platinum Business
What is the value of a Visa Platinum Business premium business card? For example, a business owner is going on a business trip abroad on company business. He received a Visa Platinum Business card, wrote to the business concierge service the task of picking up plane tickets, ordering a transfer from the airport to the hotel abroad. He can come to the Boryspil airport in Ukraine with a 50% discount on a Uber taxi and an hour later than everyone, because thanks to the card he is waiting for Fast Line - accelerated check-in at the airport. However, first he goes for free baggage packing, which is also provided by a business card. Then, at the Fast Line counter, the owner is waiting for a Fast Line employee who will help you to register documents, send baggage, and spend it without waiting in line. After this, the client will find a cozy VISA Lounge Zone, the services of which can be used at more than 1000 airports around the world. Upon arrival of the client at the airport, he will be met by a taxi driver ordered in a business concierge service.
