NewsEconomicsThe evolution of the salary-backed loan market over the...

The evolution of the salary-backed loan market over the last twenty years

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In collaboration with Dynamica Retail Spa The salary-backed loan market, a loan dedicated to employees and retirees, has undergone numerous changes in recent years. Once the customer was looking for the area agency or the bank branch near the house, now we have instead moved to the sale of the fifth online, a procedure that today allows you to obtain a loan comfortably seated in front of the PC, tablet or smartphone in hand. But what are the main changes that have characterized the salary-backed loan market in the last twenty years? In 2005, the salary-backed loan was also extended to pensioners. Initially only employees could obtain it, with the change in legislation also retirees were able to access this advantageous financing.The spread of new digital technologies then had a significant impact in the sector. If once the customer met in person the consultant or bank official who offered him the loan, today, also thanks to the pandemic, the new method of accessing remote credit has increasingly taken hold, which allows you to take out the loan without having to go to the bank or agency. The customer is identified via webcam by the consultant and signs all the documentation thanks to the OTP code he receives via text message. This year a further step forward was taken. Dynamica Retail, a leading company in the sector of the sale of the fifth, has launched on the market its sale of the 100% digital fifth. In this case, the customer can obtain the loan in total autonomy. The procedure is not only faster, but also more convenient, because it can be managed from the comfort of your own home. The customer configures the quote he wants and uploads all the documents necessary for the evaluation of the request directly from his account in the Customer Area of ​​the dynamicaretail.it website. The signature takes place digitally and can also be affixed via SPID. Digital technologies are therefore irreversibly changing the credit market as well. In Italy we are only now starting to see the effects of this revolution and most of the operators in the sector believe that in the coming years these new ways of accessing financial services will be adopted more and more by consumers.

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