Addiko Bank has recently introduced the Addiko Virtual Branch Office, the first digital office in Croatia that enables clients of all banks to take a loan in a fully digitized environment, as well as to go through the process of opening an account, completely from the comfort of their home, without the need to visit a brick and mortar office.
Strategic and design management of the digital transformation, or rather transformation of a physical into a digital office, together with the team of Addiko Bank, was led by a team from Bruketa&Žinić&Grey, an agency with which the bank in all five markets cooperates since its rebranding. During the project, the agency’s specialist for digital transformation even moved to Addiko Bank’s offices.
In the Addiko Virtual Office, users can apply for an Addiko Blitz loan in the amount from 10,000 to 40,000 (€1,300 – €5,400) and with a 3 to 5 year maturity, as well as open a current account. The whole process is done online from the beginning to the end – from the application, through the filling of the documentation, to the approval and the electronic signature.
All that an applicant for the Addiko Blitz credit needs is their personal identity card, a mobile phone, a tablet or a personal computer with a quality camera, and the token to enter the internet banking application of their current bank.
“When we say modern, we actually mean digital, practical and intuitive solutions. Addiko Virtual Branch Office is all that in one, and in addition, it comes in an attractive package with functionalities and benefits for customers which no one else in Croatia offers, which makes this the future of banking,” said Maja Čulig, Head of Marketing and Corporate Communications at Addiko Group.
“The purpose of a digital office is to provide added value to customers, and in this case, it saves time with respect to going to a physical office. After the initial proposal made by the 360provideo.hr platform, we conducted a research based on which we have defined how the overall digital banking experience could be made better for users, regardless of the device they use. We have made a strategy for implementation, we managed the entire process, we were in charge of the UX design and 2D menu design, the field forms and user experience, all in close and good cooperation with Addiko Bank,” said Dario Drmač, Digital Transformation and e-Commerce Specialist at Bruketa&Žinić&Grey.
Users can enter all the data necessary for the processing of a loan application from the comfort of their home. This is followed by the call from the contact center agent, which lasts just a couple of minutes. Then the applicant gets an individual certificate with a unique PIN and a one-time password. They then select the desired amount and repayment deadline, and finally, when the request is approved, they receive the Contract and sign all the documents digitally, and finally they get their loan in just a few clicks.
Addiko Bank / Maja Čulig (Marketing and Corporate Communications Director), Relja Marković (Addiko Grupa Digital Transformation Executive Director), Vinka Kralj (Specialist in Digital Channels Development for Citizens and Small Businesses), Maja Kostić (Digital System Development Senior Specialist), Petra Bašić Jantolić (Executive Director for Product Management and Citizens and Small Businesses Client Relations), Marijana Šimović (Alternative Channels Business Manager), Iva Ančić (Marketing Manager)
Bruketa&Žinić&Grey / Dario Drmač (Digital Transformations and E-commerce Specialist), Ivan Kovačević (Digital Shopper Director), Ivan Zebić (UX/UI Art Director), Hrvoje Kraljević (UX Designer), Ivanka Mabić (International Business Director), Robert Petković (Analytics Lead)
360provideo.hr (3D Design)