In luna martie, la TBIPay am reusit sa finalizam cu succes proiecte la care lucram de ceva timp si pe care le impartasim acum cu voi. Fata de anul trecut, evolutia se vede de la o luna la cealalta si suntem bucurosi ca ne sunteti aproape pentru a vedea schimbarile care va vor ajuta sa vindeti si mai mult si sa fiti exact acolo unde sunt clientii vostri.
Evoluam impreuna cu voi si punem in practica sugestiile voastre. Ramaneti conectati cu TBI!
Dobanda personalizata
TBIPay a implementat cu succes un mecanism de alocare a dobanzilor in functie de profilul clientului. Acest mecanism, cunoscut la nivel mondial sub denumirea de “Risk Based Pricing”, este folosit de majoritatea institutiilor financiare si a fost preluat si de catre TBIPay in reteaua de parteneri. Procesul de implementare a avut loc in etape, pe industrii, a durat cateva luni si a fost nevoie de multe teste si scenarii pentru ca in acest moment solutia sa fie activa in toata reteaua de parteneri (peste 4.800 de locatii partenere). Tipurile de dobanzi variaza de la o industrie la alta, in functie de media cosului de cumparaturi, de riscul de neplata pe care TBIPay il are pe anumite segmente de creditare si in functie de politica interna de creditare. Trebuie spus faptul ca “dobanda personalizata in functie de profilul clientului” este un mecanism complex ce curpinde istoricul de creditare a clientului si modul de achitare a ratelor lunare precum si scoring-ul intern obtinut in urma evaluarii dar si suma pentru care clientul aplica. Insa totul se deruleaza instant, prin decizia de aprobare automata pe care TBIPay o pune la dispozitia tuturor partenerilor astfel incat procesul de acordare a unui credit este unul extrem de rapid.
Creditare la distanta prin Link2Pay
Solutia TBIPay de creditare la distanta este din ce in ce mai folosita si se potriveste perfect nevoilor partenerilor nostri care comercializeaza produse si ofera servicii la distanta. De-a lungul timpului am imbunatatit acest flux de creditare astfel incat sa reducem erorile si problemele tehnice, pentru ca vanzarile dvs. sa nu fie afectate. Ca urmare a multor cerinte venite din partea dvs., va informam ca valoarea maxima de creditare pentru acest flux a fost ridicata de la 30.000 Lei la 50.000 Lei, avantajul dvs. major fiind acela ca veti putea vinde valori si mai mari de la distanta. In cazul in care nu folositi inca acest serviciu de creditare, va incurajam sa ii contactati pe colegii nostri din teren pentru a va oferi consiliere in acest sens. Va veti putea adresa cu produsele/serviciile dvs. mult mai multor potentiali clienti si nu veti mai fi limitati doar la orasul in care aveti punctul de lucru.
Dezvoltarea modulelor de integrari de tip Plug-In
TBIPay este primul si, in continuare, singurul finantator din Romania care ofera o solutie de creditare 100% online, prin tehnologii de ultima generatie, ceea ce face ca procesul de creditare sa fie mai simplu si mai rapid atat pentru parteneri cat si pentru clienti. Solutia de creditare online oferita de TBIPay poate fi integrata cu succes in orice website cu cos de produse (sau fara cos de produse prin landing page), indiferent de industrie sau de valoarea produselor. Deoarece ne dorim ca integrarile sa aiba loc rapid si fara interventii majore din partea echipelor IT, TBIPay a actualizat modulele existente pentru a oferi o experienta mai usoara la instalare si, in acelasi timp, am creat module pentru versiunile noi: Magento, Prestashop si WooCommerce. In paralel am adaugat un nou modul in portofoliu, platforma OpenCart, unde solutia TBIPay poate fi integrata de acum cu aceeasi usurinta. Pentru ca stim ca uneori nu exista persoane cu experienta IT si o astfel de integrare poate parea dificila la prima vedere, venim in sprijinul viitorilor parteneri inclusiv cu un manual de instalare de module pentru ca procesul de implementare sa devina mult mai usor.
Pe final, avem inca o veste buna de impartasit cu dvs.! Suntem mandri sa va anuntam ca in curand vom incepe si parteneriatul cu platforma Gomag. Finalizam testarea si practic familia TBIPay se va mari considerabil, va include si website-urile care detin aceasta platforma.
Avem exemple concrete prin care iti aratam ca poti castiga mai multi clienti si poti obtine vanzari mai mari cu solutiile TBIPay. Ca intotdeauna, te indemnam sa fii creativ si sa promovezi produsele si serviciile cu plata in rate prin TBIPay! Fa in asa fel incat urmatoarea poveste de succes din mesajul nostru sa fie chiar a ta!
Cookie | Duration | Description |
---|---|---|
__cfruid | session | Cloudflare sets this cookie to identify trusted web traffic. |
_GRECAPTCHA | 6 months | Google Recaptcha service sets this cookie to identify bots to protect the website against malicious spam attacks. |
cookielawinfo-checkbox-advertisement | 1 year | Set by the GDPR Cookie Consent plugin, this cookie is used to record the user consent for the cookies in the "Advertisement" category . |
cookielawinfo-checkbox-analytics | 1 year | Set by the GDPR Cookie Consent plugin, this cookie records the user consent for the cookies in the "Analytics" category. |
cookielawinfo-checkbox-functional | 1 year | The GDPR Cookie Consent plugin sets the cookie to record the user consent for the cookies in the category "Functional". |
cookielawinfo-checkbox-necessary | 1 year | Set by the GDPR Cookie Consent plugin, this cookie records the user consent for the cookies in the "Necessary" category. |
cookielawinfo-checkbox-others | 1 year | Set by the GDPR Cookie Consent plugin, this cookie stores user consent for cookies in the category "Others". |
CookieLawInfoConsent | 1 year | CookieYes sets this cookie to record the default button state of the corresponding category and the status of CCPA. It works only in coordination with the primary cookie. |
ep201 | 1 hour | This cookie is set by Wufoo for load balancing, site traffic and preventing site abuse. |
incap_ses_* | session | This is an Incapsula DDoS Protection and Web Application Firewall cookie that is used to relate HTTP requests to a certain session. |
PHPSESSID | session | This cookie is native to PHP applications. The cookie is used to store and identify a users' unique session ID for the purpose of managing user session on the website. The cookie is a session cookies and is deleted when all the browser windows are closed. |
viewed_cookie_policy | 1 year | The GDPR Cookie Consent plugin sets the cookie to store whether or not the user has consented to use cookies. It does not store any personal data. |
visid_incap_* | 1 year | Incapsula sets this cookie to provide cloud-based website security services. |
Cookie | Duration | Description |
---|---|---|
_dc_gtm_UA-104993067-2 | 1 minute | No description |
_splunk_rum_sid | 15 minutes | Description is currently not available. |
AnalyticsSyncHistory | 1 month | No description |
CX_448903962 | 1 year | Description is currently not available. |
incap_ses_1184_2226261 | session | No description |
incap_ses_1184_2729474 | session | No description |
incap_ses_1185_2226261 | session | No description |
incap_ses_1185_2729474 | session | No description |
incap_ses_1319_2226261 | session | No description |
incap_ses_1364_2226261 | session | No description |
incap_ses_1371_2226261 | session | No description |
incap_ses_1372_2226261 | session | No description |
incap_ses_1372_2729474 | session | No description |
incap_ses_1578_2226261 | session | No description |
incap_ses_1579_2226261 | session | No description |
incap_ses_1580_2226261 | session | No description |
incap_ses_1581_2226261 | session | No description |
incap_ses_1582_2226261 | session | No description |
incap_ses_197_2226261 | session | No description |
incap_ses_198_2226261 | session | No description |
incap_ses_340_2226261 | session | No description |
incap_ses_368_2226261 | session | No description |
incap_ses_373_2225636 | session | No description |
incap_ses_373_2226261 | session | No description |
incap_ses_373_2729474 | session | No description |
incap_ses_374_2226261 | session | No description |
incap_ses_452_2226261 | session | No description |
incap_ses_454_2226261 | session | No description |
incap_ses_454_2729474 | session | No description |
incap_ses_455_2226261 | session | No description |
incap_ses_456_2226261 | session | No description |
incap_ses_457_2226261 | session | No description |
incap_ses_458_2226261 | session | No description |
incap_ses_7227_2226261 | session | No description |
incap_ses_801_2226261 | session | No description |
incap_ses_802_2226261 | session | No description |
incap_ses_8076_2226261 | session | No description |
incap_ses_8218_2226261 | session | No description |
incap_ses_8218_2729474 | session | No description |
incap_ses_873_2226261 | session | No description |
incap_ses_874_2226261 | session | No description |
incap_ses_9117_2226261 | session | No description |
incap_ses_9196_2226261 | session | No description |
incap_ses_9206_2226261 | session | No description |
incap_ses_9218_2226261 | session | No description |
li_gc | 5 months 27 days | No description |
SL_C_23361dd035530_DOMAIN | session | Description is currently not available. |
visid_incap_2225636 | 1 year | No description |
visid_incap_2226261 | 1 year | No description |
Cookie | Duration | Description |
---|---|---|
_fbp | 3 months | This cookie is set by Facebook to display advertisements when either on Facebook or on a digital platform powered by Facebook advertising, after visiting the website. |
bcookie | 1 year | LinkedIn sets this cookie from LinkedIn share buttons and ad tags to recognize browser ID. |
bscookie | 1 year | LinkedIn sets this cookie to store performed actions on the website. |
fr | 3 months | Facebook sets this cookie to show relevant advertisements to users by tracking user behaviour across the web, on sites that have Facebook pixel or Facebook social plugin. |
IDE | 1 year 24 days | Google DoubleClick IDE cookies are used to store information about how the user uses the website to present them with relevant ads and according to the user profile. |
lang | session | LinkedIn sets this cookie to remember a user's language setting. |
li_sugr | 3 months | LinkedIn sets this cookie to collect user behaviour data to optimise the website and make advertisements on the website more relevant. |
lidc | 1 day | LinkedIn sets the lidc cookie to facilitate data center selection. |
test_cookie | 15 minutes | The test_cookie is set by doubleclick.net and is used to determine if the user's browser supports cookies. |
UserMatchHistory | 1 month | LinkedIn sets this cookie for LinkedIn Ads ID syncing. |
VISITOR_INFO1_LIVE | 5 months 27 days | A cookie set by YouTube to measure bandwidth that determines whether the user gets the new or old player interface. |
VISITOR_PRIVACY_METADATA | 6 months | YouTube sets this cookie to store the user's cookie consent state for the current domain. |
YSC | session | YSC cookie is set by Youtube and is used to track the views of embedded videos on Youtube pages. |
yt-remote-connected-devices | never | YouTube sets this cookie to store the video preferences of the user using embedded YouTube video. |
yt-remote-device-id | never | YouTube sets this cookie to store the video preferences of the user using embedded YouTube video. |
yt.innertube::nextId | never | This cookie, set by YouTube, registers a unique ID to store data on what videos from YouTube the user has seen. |
yt.innertube::requests | never | This cookie, set by YouTube, registers a unique ID to store data on what videos from YouTube the user has seen. |
Cookie | Duration | Description |
---|---|---|
___utmvc | less than a minute | The ___utmvc cookie is installed by Google Analytics to gather data on the user's site usage. This data is then used to compile reports and improve the site. |
_ga | 1 year 1 month 4 days | Google Analytics sets this cookie to calculate visitor, session and campaign data and track site usage for the site's analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognise unique visitors. |
_ga_* | 1 year 1 month 4 days | Google Analytics sets this cookie to store and count page views. |
_ga_BXT38366YK | 2 years | This cookie is installed by Google Analytics. |
_gat_gtag_UA_104993067_1 | 1 minute | Set by Google to distinguish users. |
_gat_gtag_UA_104993067_2 | 1 minute | Set by Google to distinguish users. |
_gcl_au | 3 months | Provided by Google Tag Manager to experiment advertisement efficiency of websites using their services. |
_gid | 1 day | Installed by Google Analytics, _gid cookie stores information on how visitors use a website, while also creating an analytics report of the website's performance. Some of the data that are collected include the number of visitors, their source, and the pages they visit anonymously. |
CONSENT | 2 years | YouTube sets this cookie via embedded youtube-videos and registers anonymous statistical data. |
vuid | 2 years | Vimeo installs this cookie to collect tracking information by setting a unique ID to embed videos to the website. |
Cookie | Duration | Description |
---|---|---|
__cf_bm | 30 minutes | This cookie, set by Cloudflare, is used to support Cloudflare Bot Management. |
_dc_gtm_UA-* | 1 minute | Google Analytics sets this cookie to load the Google Analytics script tag. |
ep203 | 3 months | Surveymonkey sets this cookie to mitigate account sharing. |