Banks

Smart Op!lata by FUIB

A few words about the new payment service that appeared in FUIB. This is the “Smart Op!lata” service — it allows the seller to generate a QR code or payment link, and the buyer pays for goods or services from their smartphone via Apple Pay, Google Pay or by entering payment card details, just like in an online store.

The main advantages of Smart Op!lata are simplicity and mobility — you can activate the service by filling out a simple form, and the service itself is always at hand and accessible from phones, tablets or computers, requiring no additional equipment or maintenance.

It is also possible to issue an invoice by specifying the amount in a message to the Telegram bot — in response you receive a QR code and a payment link that needs to be shown to the buyer to make the payment.

Our client can add any number of assistants (waiters, sellers or cashiers), and they will be able to quickly create QR invoices in the bot or through the payment dashboard.

Unlike a POS terminal, Smart Op!lata has no subscription fee — sellers pay only when they receive payments from their customers, and therefore pay only when their business is working. In our view, this is very important during the war. It also encourages card payments in these difficult times, and thus stimulates the Ukrainian economy.

And finally — a one-minute video to see that everything is very simple :)

Boris Diakonov and Oleg Tinkov on Bank24, Otkritie Bank and SME banks

In a nutshell:

  1. There are 3 banks in Russia that have seriously and correctly entered the SME segment (combining banking and accounting services in a package) — Tinkov, Otkritie and ModusBank.

  2. Judging by My Business and Belarusian Assistant, Alfa Bank is moving in a similar direction. But Alfa Bank is big and not very agile, even in spite of Peter Didenko and Alfa Lab :)

  3. Tinkov will provide live outsourced accountants in the SME package.

  4. Diakonov failed with Bank24, but he is not giving up and I think Otkritie might disrupt the market.

  5. Ukraine, unfortunately, is still “not even close” in terms of the level of development of banking services for SMEs.

P.S.

This week we at “Smart Accounting” will release a service for free sending of reports generated by other programs

2015 SME Banks