Saturday , October 23 2021

25% of Spaniards will pay for their purchases digitally


Madrid, November 24 (EFE) .- The entity has promoted the use of mobile banking and digital payments in the sale of "Black Friday", where consumption is driven by discounts that extend to Monday, and it is expected that four out of ten Spain pay for their purchases on the Internet with their electronic devices.

Banks also want to participate in the famous "Black Friday" not only by making their digital services available to users, but also by offering, discounting and promoting their own financial products.

Banco Santander, for example, offers a 30 euro bonus to customers who make three online purchases of at least 30 euros each with their credit card or cellphone between 23 and 26 November.

In addition, it is available to customers up to 67,000 million euros in loans previously granted, with an interest rate of 3.95% if they are employed no later than November 26.

But the rest of the entities have also extended their consumer financing offers during these days, both with pre-granted loans because the bank knows the client's financial capacity and offers facilities for postponing purchases.

Experts from this sector believe that these days are a good opportunity for banks to "show" their digital muscles to consumers, as well as all they can do for them well on their website, or with applications or "applications" to cellphone

From the German bank N26 shows the importance of mobile banking during these days, because it offers a "higher" security system in payments through applications such as 3D Secure Technology Mastercard, which allows to assess the potential risks of a transaction.

The bank has also highlighted that digital services facilitate "no-limit" purchases, where consumers can buy products anytime, place and with all types of currencies without commissions.

In addition, Cetelem, from the French group BNP Paribas, will reduce interest rates to 3.95% in three loans, the same strategy that will be followed by finance companies specialized in consumer loans Cofidis.

In the insurance sector, Axa Partners will make a 30% discount on travel insurance for holidays, which will be available until November 26th.

The main attraction of "Black Friday" online purchases is that customers will benefit from discounts without having to make long lines and wait, besides being able to pay via cellphone, changing cash.

They also warned that, due to the large volume of purchases expected today, they had strengthened their cybersecurity campaign to avoid replicating efforts, a practice known as "phishing".

But, for many offers, don't forget planning and caution, so experts like financial comparison. My Cash Help recommends that users manage their "good" finances during this sale and create a Buy list with a maximum budget to spend.

This website also highlights that, in terms of financing purchases, this is done in a "smart" way to avoid getting into more debt than accounts, in addition to comparing bids with other companies to pay as little as possible.

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