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Pavel Maco, President Of The Executive Board Of Mobi Banka

Banking Identity As A Universal Identity

Mobi Banka recently reached two milestones: a hundred thousand completely online loans; and a hundred million transactions. The bank ended last year with 650,000 clients and expects to have been chosen by another 100,000 users by the end of this year

As the first provider of digital financial services in Serbia, we don’t only desire to be leaders, but are bound to be leaders in the digitalisation of the banking sector. Our client pool includes tens of thousands of retirees, which proves that we’ve made mobile banking simple and accessible to everyone ~ Pavel Maco.

You were visionaries when you created the first completely mobile bank in the region, and then the pandemic encouraged others to follow suit. Is mobile banking our reality and our future?

– We live in the digital era, and that’s best expressed through numbers.

Mobi Banka recently reached two milestones: 100,000 completely online loans; and 100 million transactions. People easily get used to the fact that financial services are now available to them in just a few clicks, within a few minutes. However, we haven’t forgotten that we’re still transitioning, which is why we’ve formed a network of 40 credit advisors at Yettel shops, with whom clients can consult on everything related to our offer.

Also, the support of institutions is extremely important for the further development of mobile banking and I have to commend the NBS [Serbia’s central bank], headed by Governor Jorgovanka Tabaković, for embracing emerging trends and for being so innovation oriented. In cooperation with the Association of Serbian Banks, the Government of Serbia and the NBS, we last year implemented the project My Data for Bank and launched an eGovernment service that allows citizens to submit all necessary data for banking products online. In a very short period of time, 3,000 citizens sent their data for loans and almost 4,000 credentials for eGovernment registration were issued.

We’ve formed a network of 40 credit advisors at Yettel shops, with whom clients can consult on everything related to our offer

Given the constant expansion of your offer and increasing client numbers, it would seem that you’re striving to become the leading provider of mobile and online financial services in Serbia. Is that correct?

– As the first provider of digital financial services in Serbia, we don’t only desire to be a leader, but are bound to be a leader in banking sector digitalisation. We ended last year with 650,000 clients and expect another 100,000 users to choose us by the end of this year. Our client pool includes tens of thousands of retirees, which proves that we’ve made mobile banking simple and accessible to everyone. I believe that, with this dynamic, we will be able to strengthen our leading position when it comes to digital banking.

In your opinion, what’s crucial to the further digitalisation of the Serbian banking sector?

– I come from the Czech Republic, where a consortium of banking institutions has provided a favourable environment to implement a system of banking identity. This ’banking identity’ allows us to securely verify the identity of users and create a completely digital onboarding experience for new clients, all in accordance with KYC needs.

Banking identity can also be used for different identifications beyond the banking sector. Imagine if all 3.5 million users of internet banking in Serbia could instantly access the many eGovernment digital services. I thus believe that banking identity would represent a great step towards the complete digitalisation of the banking sector, and I’m sure that Serbia is once again ready to spearhead global innovations.

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