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Andranik Grigoryan, the CEO of Converse Financial institution, addressed key matters in an interview with AmCham journal, together with buyer pursuits, digital monetary companies enchancment, and Converse Financial institution’s digital staff group. Learn the total interview with Andranik Grigoryan.
As a frontrunner, what key qualities or abilities do you consider have been important in driving your success and the success of Converse Financial institution?
I took on the place of Chief Government Officer at Converse Financial institution an fascinating interval when the monetary system was going through new challenges. Furthermore, it was a interval that required combining a balanced method aimed toward limiting and curbing dangers with daring steps and measures aimed toward digitalizing companies, in addition to growing and implementing new merchandise and choices. For my part, we have now efficiently initiated this era, as evidenced by the Financial institution’s new provides, significantly within the digital sphere, and the recorded outcomes.
How do you keep a work-life steadiness amidst the calls for of your place because the CEO of Converse Financial institution?
One ought to correctly allocate and handle time, have a staff of expert specialists, and embrace like-minded people who will probably be delegated decision-making authorities. These are just a few elements that one ought to guarantee with the intention to forestall and handle work-life steadiness conflicts.
Shifting on to the digital period, Converse Financial institution has been acknowledged for its progressive options and user-friendly digital platforms. May you elaborate on among the key digital initiatives which have set Converse Financial institution other than its rivals?
These days, digitization is an inevitable course of. The developments happening on the planet drive corporations in numerous sectors, significantly banks, to undertake digital applied sciences. Bearing this actuality in thoughts, we’re obliged to develop and implement digital devices that can make folks’s lives simpler and assist them entry cutting-edge monetary and banking companies effortlessly. However, the extra people use digital companies, the extra they really feel the necessity for larger comfort. From this angle, Converse Financial institution has taken the lead and performed a pioneering function in Armenia. It was the primary financial institution in Armenia to introduce a cell software, which not solely contributed to constructing a robust status and picture for the financial institution but in addition compelled us to enhance and keep forward of the curve.
At present, we attempt to supply companies on a number of digital platforms. Our financial institution’s cell software is extremely versatile and sensible, primarily specializing in providing customer-friendly options. Right now, our prospects can discover new choices and companies in our software, which goals to deliver the financial institution nearer to their on a regular basis lives and make banking companies simple and accessible for his or her each day wants. Our aim is to supply our prospects with highquality monetary companies on-line, eliminating the necessity for them to go to the financial institution in particular person. All kinds of monetary companies must be simply accessible to folks, whether or not they’re in a automotive, utilizing public transport, or just strolling.
We’re repeatedly engaged on the event of recent merchandise and trying to find new digital options that, in my view, will meet even essentially the most demanding prospects’ wants and convey them satisfaction.
The digital period has opened huge alternatives for companies to boost their buyer expertise. How has Converse Financial institution leveraged digital applied sciences to enhance buyer satisfaction and engagement?
We now have achieved outstanding milestones on this regard as properly. To create a cushty setting for company prospects to handle their funds and conduct monetary operations, we have now applied a number of digital instruments. Converse Enterprise is a handy and user-friendly monetary administration software designed particularly for companies. Moreover, for service, retail, and supply corporations, we provide progressive digital options resembling C-POS and C-PAY, which facilitate cashless funds.
One in every of our most intriguing options is tailor-made for inns, eating places, and supply companies. When prospects place orders, they will conveniently make funds by way of a hyperlink despatched to their cell phone quantity, eliminating the necessity for scanning or downloading numerous QR codes. This resolution is especially related and relevant for on-line shops. Couriers not want to hold a bodily point-of-sale (POS) terminal or interact in card-to-card transfers (usually involving unknown people) and the related dangers.
With the rise of fintech and on-line banking, safety and belief have turn out to be paramount considerations. How does Converse Financial institution make sure the safety of its digital platforms, and the way do you construct and keep buyer belief within the digital realm?
It goes with out saying that new digital instruments, regardless of their comfort, additionally pose new safety challenges that, at greatest, should be anticipated and prevented. Alongside the event of digital companies, we repeatedly improve and replace our safety techniques. Converse Financial institution ensures the safety of transactions on its digital platforms in accordance with worldwide cybersecurity requirements. Moreover, we have now just lately applied the “Safety Machine” system, which permits buyer identification for accessing the digital platform. In case of any doubts, the system is promptly blocked.
In consequence, Converse Financial institution successfully mitigates the danger of third-party entry to our prospects’ funds. We additionally place vital emphasis on monetary literacy and persistently inform our prospects, offering insurance coverage in opposition to fraud.
We adhere to a piece type typical of accountable establishments. We by no means go away our purchasers alone within the face of potential risks and attempt to affiliate the Financial institution not solely with banking transactions but in addition with security, reliability, belief, and safety.
Because the digital panorama continues to evolve, what future tendencies do you foresee for the banking business, and the way is Converse Financial institution getting ready to adapt and capitalize on these rising alternatives?
Within the period of digital transformation, it’s of utmost significance not solely to develop and implement new companies but in addition to take action promptly and with top quality. Shoppers ought to have the ability to make the most of the monetary devices supplied by the financial institution not solely in pressing conditions but in addition to deal with on a regular basis issues. Converse Financial institution is devoted to offering its purchasers with optimum options for any transaction associated to monetary flows. Utilizing the financial institution’s digital companies ought to turn out to be a typical and abnormal expertise for patrons, making certain a cushty setting that’s clear, comprehensible, safe, and clear.
The capitalization of rising alternatives is to develop new merchandise by foreseeing prospects’ future wants, and to supply high-quality companies, making certain the safety of consumers’ information and funds. Within the close to future, Converse Financial institution prospects will witness new modifications, significantly within the realm of digital applied sciences.
Reflecting in your private {and professional} journey, what recommendation would you give to aspiring professionals who goal to make a significant influence within the banking sector and embrace the digital period?
I might advise them to remain present and embrace innovation and challenges. They need to attempt to extract the utmost worth from every office, transcend their required job duties, and repeatedly study, develop, and apply their information and abilities for the advantage of their groups. And final however not least – to not be afraid of creating errors.
Your message to the AmCham neighborhood.
AmCham isn’t solely an affiliation that brings collectively main corporations in numerous sectors of economic system, but in addition a platform that unites progressive and forward-thinking people. I strongly consider that by combining our efforts and capabilities, we are able to make a big contribution to one of the vital vital missions: constructing a steady and safe future for our nation.
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