Cum apreciati intr-un singur cuvant evolutia companiei pe care o conduceti in anul 2020? Acum, la final de an, cum arata realizarile in raport cu obiectivele de la inceputul anului? Cum a influentat pandemia afacerea pe care o conduceti? Dar domeniul in care activati? Detaliati!
TBI a trecut printr-o transformare importanta in ultimii ani, ceea ce a dus la o evolutie impresionanta atat din punct de vedere al calitatii, cat si a dimensiunii retelei. Astazi, operam eficient si fiecare membru al echipei noastre are o atitudine constructiva si spirit de echipa, dar si ambitia sa dezvolte organizatia si sa evoluam impreuna.
Cel mai important, la TBI impartasim cu totii un obiectiv comun, acela de a transforma compania intr-un jucator important pe piata. Astfel, chiar daca reteaua noastra este mai mica din punct de vedere al sucursalelor si al angajatilor, suntem o companie mai agila. Practic, suntem mai aproape de un fintech decat de o banca traditionala. Acest lucru ne pune intr-o pozitie excelenta de a reactiona si de a ne adapta mai repede decat altii. Si, de asemenea, ne face mai rezistenti la contexte de piata imprevizibile.
La TBI ne dezvoltam prin practica, ceea ce inseamna ca fiecare experienta pe care o avem ne ajuta sa invatam si sa crestem. In general, prin flexibilitate si invatare continua am reusit nu numai sa stabilizam business-ul, ci si sa il transformam, de la perceptia de a fi o institutie nu atat de cunoscuta la un brand serios pe piata, cu o baza solida de dezvoltare. Ne-am reproiectat portofoliul de produse si am reusit sa avem solutii pregatite pentru piata in doar cateva luni. Unul dintre produsele noi este TBI DUO, care permite clientilor sa imprumute suma de care au nevoie, chiar daca au o capacitate de imprumut mai mica, cu ajutorul unui codebitor. Altul este Cash Zero, care ajuta clientii cu nevoi financiare imediate sa ia un imprumut si sa ramburseze cu costuri zero in maximum 4 luni. Si mai avem doua noi produse interesante pe drum.
Din perspectiva depozitelor – 2020 este anul nostru cel mai bun din Romania pana acum. Ne-am marit portofoliul de depozite din retail cu 32% in primele 9 luni ale anului, fiind de peste 3 ori mai mare decat cresterea pietei. Si ce este mai bun urmeaza sa vina – dupa cum arata cifrele, ultimul trimestru va fi cel mai puternic din 2020. Crestem semnificativ mai sus decat piata din doua motive. Avem o propunere excelenta in ceea ce priveste valoarea, printre cele mai bune de pe piata si una dintre putinele care acopera de fapt inflatia. De asemenea, deponentii nostri apreciaza foarte mult nivelul ridicat de flexibilitate si accesibilitate oferit de platforma noastra online de depozite. Suntem mandri sa spunem ca oferim si asistenta punctuala, in mod fizic, pentru deponentii nostri, in ciuda faptului ca atragem in principal depozite online.
Nu in ultimul rand, vreau sa vorbesc si despre Merchant Solutions Business, care opereaza in prezent in peste 4.000 de locatii partenere comerciale si 450 de magazine partenere online, din diverse industrii: de la IT pana la servicii medicale. Este o solutie omnichannel care poate fi accesata de comercianti si printr-o aplicatie mobila dedicata pe care am lansat-o recent in magazinul Google Play. Platforma este extrem de intuitiva, intuitiva si usor de utilizat, creand o experienta excelenta atat pentru comercianti, cat si pentru clienti, mai importanta ca niciodata in vremurile dificile cu care ne confruntam cu totii.
Care au fost cele mai importante lectii de business si la nivel personal pe care le-ati invatat in pandemie?
Cu totii avem de-a face cu momente dificile in timpul acestei pandemii, dar pot spune ca noi, la TBI, iesim mai puternici si mai uniti. Personal, cand a inceput totul, ma asteptam ca toate echipele si reteaua sa coopereze si sa se adapteze, dar trebuie sa recunosc ca am fost cu adevarat impresionata si surprinsa de modul in care au mers lucrurile. Nu numai ca fiecare dintre noi a acceptat schimbarea, ci a acceptat si provocarea si activitatile pe care trebuia sa le desfasuram in contextul actual. Colegii mei au inteles perfect care sunt sarcinile si totul a decurs fara probleme, cu o maturitate si o flexibilitate de admirat. Cu alte cuvinte, am invatat cu totii cat de important este sa fim uniti in vremuri dificile, sa actionam ca o echipa, cu pasiune, curaj si angajament, iesind mai puternici la final.
Traversam o perioada in care unul dintre actorii principali a fost reprezentat de autoritati. Cum apreciati strategia autoritatilor romane in aceasta perioada?
Pandemia a pus intr-adevar autoritatile din intreaga lume in centrul atentiei si a facut ca rolul lor in societate sa fie mai important ca niciodata. Contextul a fost necunoscut, extrem de imprevizibil si plin de provocari, dar modul in care autoritatile, mediul de afaceri si cetatenii, in general, au reactionat la noua normalitate este impresionant. Banca Nationala a Romaniei (BNR) a fost una dintre primele autoritati de reglementare din Europa care au reactionat pentru a sprijini clientii. Si exista nenumarate exemple care arata ca natiunile au actionat ca o singura unitate in gasirea solutiilor pentru orice problema majora intalnita in acest an.
Care sunt principalele 3 puncte ale strategiei dumneavoastra de business pentru anul viitor?
Cu siguranta, modelul nostru unic „phygital” este un punct esential in strategia noastra de afaceri, mai ales acum. Acesta este un model hibrid intre solutii fizice si digitale, oferind avantaje relevante din ambele parti. Tintele noastre principale au fost stabilite cu cativa ani in urma si ne tinem de ele, nu este nevoie sa le schimbam. Obiectivul nostru este sa devenim un nume puternic pe piata, sa fim eficienti si profitabili, sprijinindu-ne in acelasi timp clientii in indeplinirea nevoilor si dorintelor lor. Intre timp, am dovedit deja ca suntem eficienti si profitabili si ne construim numele si pe piata romaneasca. Acesta este motivul pentru care continuam sa ne imbunatatim fiecare aspect, incepand de la compania in sine si produsele sale pana la experienta pe care o oferim clientilor. Prin tot ceea ce facem, punem oamenii pe primul loc, atat echipele noastre, cat si clientii nostri care se indreapta spre noi in momente importante din viata lor.
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