The Bmg Bank, reference in payroll deduction credit, has just launched a new digital self-service channel aimed at non-account holders. Through the bank's app, Anyone eligible to take out payroll loans can access the offers without bureaucracy or the need to open an account. The novelty is part of Bmg's strategy to increase its proximity to the target audience for credit products, increasing the channels of offers and their reach via digital channel also for areas where there is no physical presence of banking correspondents or help! – bank's credit store network with over 830 units spread across the country
The addressable market for consignable products is estimated at around 100 million people, between INSS retirees and pensioners, public and private employees. According to data from IBGE, este total terá um incremento de aproximadamente 15 milhões de novos aposentados e pensionistas até 2031. Currently, the Bmg customer base is 10,5 million users
The new app feature's unique selling point is the ability to contract more than one credit line simultaneously, besides various insurances. Uno de los pilares para 2025 es ampliar nuestra presencia en el crédito consignado más allá de nuestra base actual de usuarios, bringing speed to people who need money in a simple and quick way. Focusing on the customer's needs journey, it is possible to compare offers to choose the one that makes the most sense for a given moment, says Lauro Leite, Product Director of Banco Bmg
Digital journey
The channel offers a smooth journey to the user, que pode aceder às opções de crédito de forma simples e ágil ao informar apenas o número do CPF. In the app, is it possible to contract one or more products as payroll loans, salary-backed credit card, benefit of payroll-deductible credit card, anticipation of the FGTS birthday withdrawal and insurance for both salaried public products and the FGTS Life Insurance, how much on consigned products, como o Seguro Prestamista no Cartão Benefício.People over 18 years old who are beneficiaries of INSS or FGTS are eligible, by analysis
O Bmg está a passar por um momento de transformação digital em que o foco está na experiência do consumidor e em como a tecnologia pode ser uma aliada na democratização do acesso ao crédito. Por isso desenvolvemos um canal de autoatendimento, intuitive and secure, where is it possible to take out a loan in a few steps, without needing to have an account, says Bruno Capelin, Growth Director of Banco Bmg
The ease of access is also anchored in high security standards, with protective layers such as an authenticity seal, data verification and biometric access
The self-service channel can be accessed from the Bmg Bank app's home screen, available for download on virtual stores for iOS and Android
