In the market POS-lending changes are brewing: financial institutions offer to issue credit in online stores. According to Kommersant, this trend is overdue after the commercial networks have increased the requirements for partner banks. Latest Steel to seek new sales outlets and found that a good alternative could be online shopping, in which interest in recent years only grows. This segment has already started its own leaders, usually a main players express lending in commercial networks: HCF-Bank, Russian Standard, "Renaissance Credit" and "Alfa-Bank. Also, the program plans to connect and OTP Bank. Your credit is: a person fills out the questionnaire on the website an online store, which indicates a list of documents he is ready to provide. The bank must then consider the application and make a decision. If it is positive, then the borrower leaves the courier. Together with the goods he brings credit agreement and validates all documents. It is worth noting that the messenger is made of the bank, so act on its behalf. It is not clear how many such loans banks have already managed to give out, because this service appeared relatively recently. We only know that to date the largest number of partners among online stores has a "Russian Standard", they had more than 30. However, according to experts, is unlikely to loans from online stores will create real competition in the credit trading networks. Likely in the next few years, the share of such loans will not exceed 5%, because Internet commerce is not sufficiently developed yet. Overall, however, POS-market lending is quite large. According to the agency Frank Research Group, it accounts for 126 billion rubles. And only ten months POS-loan portfolio grew by 17%, while the entire retail loan portfolio - only 7%.
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