Thursday, October 27 2022 19:12

ArmInfo.As part of the development of the digital transformation strategy, Ameriabank  continues to create a reliable financial and technological  environment.  This time, the Bank supplemented its Ameria Business  platform, which was launched in 2018, with a new service that allows  you to register an online business - to open an IE (Individual  Entrepreneur), without visiting a bank branch.

In the future, the Bank plans to expand the capabilities of the  system by allowing registration of an LLC (Limited Liability  Company). This was announced at a press conference on the topic  "Ameria Business Digital Platform: New Opportunities and Prospects".

Ameriabank's ProjectManager Arpine Harutyunyan presented the features  of the Ameria Business platform and the principle of business  registration, noting that the new platform operates on a one-stop  basis, and in addition to free business registration, allows the  client to open an account with Ameriabank, get a card and access to  Online/Mobile banking applications , as well as enjoy other services  and numerous privileges.  She explained that to register an  individual enterprise the client only needs a passport and a social  security card or an ID card, access to a printing or scanning device,  and a computer with a camera or a smartphone. The registration  process takes only 20 minutes.

"The Ameria Business platform operates on the principle of one  window, which simplifies the process of registering a business. By  launching this platform, Ameriabank creates the basis for improving  Armenia's position in the Doing Business rating," Harutyunyan noted.

During the press conference Arman Barseghyan, the Director of Retail  Banking of Ameriabank, for his part, emphasized that the year was  very active in terms of business. In particular, he noted that at the  moment the client base of the retail portfolio has exceeded 370  thousand people. Since the beginning of the year, deposits have  increased by 10%, the loan portfolio has grown by 20%. He said that  the dynamics of card transactions is impressive, it has increased by  about 70%. Internet banking transactions are also growing rapidly,  according to forecasts, the number of which will increase from 1.2  million in 2019 to 10 million this year.

Noting that today Ameriabank provides 96% of services through digital  channels and only 4% in the branch network, Barseghyan noted that  over 8 months of this year, as part of the SMART service, 7,000  accounts were opened remotely, while for the entire 2021 their number  was 5,000. In addition, 90% of consumer loans were provided online,  and in the mortgage portfolio, online loans accounted for 30%.

The Director of Retail Banking of Ameriabank also drew attention to  the rapid growth of e-commerce, which is also encouraged by  government policy. In particular, he noted that in terms of quantity  and value in annual terms, the volume of electronic commerce  increased by 70%. "Thus, e-commerce has reached a historical  maximum," Barseghyan said.

Answering a question from ArmInfo, Ameriabank's Innovation and  Digitalization Director Artyom Shamtsyan said that the bank has set  itself the task of replenishing the development team in order to  create more services within the Ameriabank ecosystem. He noted that  the service is not only about opening a company, opening an account,  getting a card, because the life cycle of a company requires a huge  number of services.

"Now the question is how quickly we can develop all these services.   The ecosystem will work if there is a whole cycle of services. This  is very important thing because our vision is not limited to the fact  that we will be one of the systems for doing business. We want to be  the only platform where, starting from registration, we will be able  to provide businesses with all the necessary financial and  non-financial services within the framework of one platform," he  concluded.  

It should be noted that Ameriabank CJSC is the largest financial and  technological entity of Armenia and one of the most significant  players in the economic sector of Armenia. Ameriabank offers a  package of ecosystems and digital solutions. This allows clients not  only to conveniently and quickly receive financing in all major areas  (SME lending, car loans, mortgage loans, consumer loans), but also go  through the entire process from opening an account to issuing a card  and applying for financing in the Ameria online ecosystem. Ameriabank  is guided by a policy of customer-oriented and responsible business,  providing high quality service in a modern and secure digital  environment.