Economical efficiency in the use of Perfect Money payment system. Part 1

With the use of Perfect Money and a bank and a client would receive some benefit, including economical. Otherwise there would be no sense to engage in these issues at all. This article is divided to economic benefits that can get a commercial bank in granting of such services to its customers.

 

To calculate the efficiency of introduction of any new product (for example, a bank product) it is necessary to calculate the costs of installation, operating costs, income from the use, pay-back period, and expected profits. In relation to this work it is not possible to make at least some acceptable accuracy of such calculations, because there is no purpose - to describe the specific implementation scheme of electronic payments. At the same time, the variety of introduction schemes assumes absolutely different levels of income and expenses associated with the introduction and use of money transfer.

 

For example, if a bank before introduction of new payment systems, has been served plastic cards of its clients, then the question of new service introduction (the replenishment of employees’ card accounts of any company) via existing system “Client-Bank” in this company is just working, requiring little cost (nearly $ 300, the cost of refining the software system “Client-Bank”). Thus, may be implemented by a simple scheme of payments between a company and its employees via a bank. Major expenses in this case, the bank bears earlier, in the period of creation its card system. And it is significant costs in comparison with the introduction of remote banking services. For example, the average cost of only one cash dispense at the present time is 25-30 thousand dollars, and it is senseless to introduce card products without a sufficient number of them.

 

 

 

Nearly 90% of commercial banks work with these classical payment systems “Client-Bank”. Now it would be difficult to find a manufacturer of automation of banking systems (ABS), which would not have the module “Client-Bank”. The costs of banks to service customers on the basis of this technology are related only to technical support, and costs of search of clients. For example, it is necessary to provide additional phone lines that a client is always able to call. Also it is necessary to advertise such services to suggest people to use this technology. One needs to provide necessary technical equipment to an office of a client. The costs of a simple classical model “Client-Bank”, as a rule, are included into the price of ABS set in a bank or it is small part of the total cost of the software package. If a bank wants to acquire the “Bank-Client” program from other manufacturers with another services, such as increasing the number of clients, in order to take advantage of the Internet, when there is no need in the customer service program for each client (only one bank web server is served, to which the client connects using standard web browsers), it can buy this more sophisticated program for approximately $ 3000. As a manufacturer, we would advise the company Bifit.

 

To introduce the most advanced system of telephone customer service, one can use the software of Step Up company, which has created the program ”telebank” described in this article. Program cost - $ 10000, also it is necessary to account the costs of implementation (nearly $ 1500), as well as a bank needs to spend on a sufficient number of telephone lines, or multi-phone line (~ $ 1000).

 

It should be noted that bank work with clientele of individuals and legal persons will vary. Almost every client as legal person may start using the service “Client-Bank”. Bank will conclude a contract only with the client.

 

In conclusion of the first part, we can add that the use of Perfect Money send money online in the bank-client relationship undoubtedly important. And its success on the world market depends on the fact of the company adapts its functions with such co-operation.

 

 

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