ArmInfo.Ameriabank will continue to expand its digital business services. Arpine Harutyunyan, Project Manager of the Innovation and Digital Department of Ameriabank, told ArmInfo on the sidelines of the DIGITECH forum held the day before.
"We have created the Ameria business platform for SMEs, where we will continuously offer solutions that meet the needs of SMEs, including non-financial ones, both for our clients and for those entrepreneurs who want to start and develop their business with us," she said.
In particular, the specialist said that today, without visiting the Bank, it is possible to open an online account, get a free card, and free online banking. For legal entities, as the specialist noted, this is an unprecedented offer. A. Harutyunyan noted that Ameriabank is a pioneer in online business lending: through the involved scoring system, the loan is automatically approved within a few minutes.
Being integrated into various information systems, including through the ACRA credit bureau, the State Revenue Committee's database, and through the EKENG system in the State Register database, Ameriabank is able to obtain the necessary information to assess the client's solvency.
"Not only in Armenia, but also in the region, Ameriabank is the first to introduce a product for automated business lending," she stressed.
According to her, in case of receiving a loan in the amount of up to 10 million drams, the loan is approved within a few minutes. In case of amounts up to 30 million drams, the Bank requires a partial collateral for over 10 million drams. "In this case, the loan is approved and transferred to the client's account within 2 days," the expert added. At the same time, she said that today Ameriabank also has the opportunity to refinance loans online. Another interesting product within the digital ecosystem of Ameriabank, which concerns students, was presented by the Bank's specialist Anush Saribekyan. According to her, students can apply to the Bank online to get a card specially designed for this category of clients. "This card has a number of privileges, including special discounts in popular leisure places among students (cafes, shops, etc.). In addition, to stimulate financial literacy, students will be credited with 3% annually.Thus, we will teach students to save money, " A. Saribekyan added. She noted that being a digital bank, Ameriabank is expanding its remote service systems to allow customers to save their time and manage their accounts on a permanent basis. According to the specialist, digital products of the Ameriabank ecosystem are in great demand - the number of applications exceeds several hundred every day. To note, Ameriabank is one of the most dynamically developing banks in Armenia, which is one of the most stable and largest financial institutions in the country. Ameriabank is a universal bank providing corporate, investment and retail banking services in a comprehensive package. Ameriabank maintains leadership in the banking system of Armenia in terms of key financial indicators. The Bank's assets have crossed the threshold of 1 trillion drams by the end of 2020, and reaching this level was the first and so far the only one among Armenian banks.
