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geld is een middel, geen doel

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Een leeuw in schaapskleren

Posted on March 10, 2014 at 4:50 AM

Vandaag maakte ING bekend dat ze een proef gaan starten waarbij de bank gegevens over betalingsgedrag van hun klanten door kan geven aan bedrijven die daardoor de klant (eventueel via ING) aantrekkelijke aanbiedingen kunnen doen. Uit de artikelen in het Financieele Dagblad en de overige media valt op te maken dat Directeur Particulieren Hans Hagenaars het alleen aan wil bieden aan die klanten die dat willen. Er wordt waarschijnlijk een hoop marketing-effort en ICT-kosten aan besteed.

 

Ik heb de afgelopen jaren mee mogen denken aan software-systemen die het de consument gemakkelijk zouden moeten maken te zien waar hun geld vandaan komt en waar het naar toe gaat. Er zijn verschillende systemen (AFAS Personal en View on Cash) die in staat zijn om de dagelijkse uitgaven al grotendeels te rubriceren. Albert Heijn is ‘huishouden – boodschappen’. Uitgaven bij V&D worden wat lastiger te categoriseren. Maar goed, het gaat allemaal al beter dan neerpennen in een schriftje.

 

Om deze gegevens als consument op je scherm te krijgen moet je nogal wat doen. Eerst uitzoeken hoe je de gegevens van je bank moet downloaden. (Als je verschillende banken hebt op verschillende manieren). Daarna ‘weg zetten op je computer’. Om het vervolgens zien terug te vinden en te uploaden in je Personal Financial Managementsysteem; ofwel je digitale huishoudboekje.

 

Genoeg afhaakmomenten voor de consument. Dit kán slimmer.

 

Het is technisch mogelijk om – als ik mijn bankpasje door de betaalterminal bij Albert Heijn haal – direct in mijn huishoudboekje de post ‘huishouden – boodschappen’ bijgewerkt te hebben. Maar….dan moet er een lijntje liggen tussen mijn bank en mijn digitale huishoudboekje. Daar kan ik als consument toestemming voor geven en in de lead blijven.

 

De afgelopen jaren is door de ontwikkelaars van dit soort software een beroep gedaan op de banken om aan dat lijntje tussen hen en het huishoudboekje van de consument mee te werken. Zeker in een tijd, waarbij het voor de consument meer dan ooit noodzakelijk is om inkomsten en uitgaven goed in beeld te krijgen, is dit een handig hulpmiddel. En bij banken staat klant-belang toch centraal?

 

Overigens zou het niet alleen om een huishoudboekje gaan. Ook de gegevens van hypotheken en andere kredieten, spaar- en beleggingsrekeningen en (levens- en inkomens-)verzekeringen – die nu nog vaak her en der bij banken en verzekeraars lopen – zouden op die manier meer overzichtelijk aan de consument getoond kunnen worden.

 

Maar de banken weigeren hieraan mee te werken!

 

Met name vanuit de mond van Hans Hagenaars heb ik persoonlijk gehoord dat banken NOOIT aan zoiets mee zullen doen. Reden? ‘Wij zijn commerciële instellingen en zullen kijken waar voor ons handel zit. Dan gaan we er zeker niet aan meewerken dat concurrenten gemakkelijk kunnen zien welke producten de consument bij ons heeft’. Of woorden van gelijke strekking. Daarbij vulde hij aan dat klanten van ING ook dáár de beschikking hebben over een huishoudboekje.

 

Op mijn vraag hoe dat dan moest met huishoudens waar rekeningen bij verschillende banken lopen én die hun hypotheken, beleggingsrekeningen, verzekeringen elders hebben repliceerde Hagenaars met ‘dat doen ze dan maar bij mij’.

 

Op mijn vraag hoe hij dat zag met bijvoorbeeld gegevens over verzekeringen die nooit via ING zouden kunnen lopen omdat de consument dat bijvoorbeeld regelt via zijn werkgever was het antwoord van Hagenaars: ‘dat klopt de klant dan maar in ons systeem in’.

 

Het wekt geen verbazing dat met deze mind-set ING niet vóór de consument geld wil verdienen. Maar áán de consument.

 

Ik weiger dus te geloven dat ING mijn klantbelang centraal stelt. Zeker niet na mijn vorige ervaring met ING (zie blog ‘Toen de leeuw nog blauw was’;) Daar doet geen bankierseed wat aan af!.

 

Maar weet je: een heleboel mensen zeggen nu over te stappen naar een andere bank. Ik voorspel: dat doet slechts een klein groepje. Want anderen vinden het veel te veel gedoe. En waar moet je naar toe? Zijn de andere banken zoveel beter? (Behalve Triodos; en ASN misschien).

Dus ING kan gewoon zijn eigen koers varen.

 

Betaal-Bank

 

Het wordt de hoogste tijd dat we betalingsverkeer bij dit soort commerciële baken weg gaan halen. Gewoon een Betaal-Bank inrichten die zich alleen bezig houdt met ‘geld’ van A naar B te verplaatsen. En die verder geen commerciële truuks uit zal halen met MIJN GELD!!



Categories: Banken, Consumentenbelangen

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