Development of bank products

From the point of view of novelty bank products can be divided on traditional and innovative. Traditional bank products extend, as a rule, by purchase by bank on a labor market of qualified professionals (managers of the relevant divisions of banks), possessing experience of the servicing provided by a bank product.

The set of documents of a traditional bank product (on a VISA card example) includes:

1) the documents regulating purchase of a bank product - the international bank plastic card of VISA:

conditions of release and service of the international bank plastic cards of bank (The public contract);

instructions for use international bank plastic card of VISA;

application for a contribution of cash money for the card account;

the statement for granting in using of the international bank plastic card;

the general agreement on transfer of means in foreign currency;

the general agreement on currency sale;

the contract on granting in using of the client of bank of the international bank plastic card of VISA and maintaining it спецкартсчета;

list of the documents necessary for opening in bank of special maps accounts and accounts of a guarantee covering on the bank

to plastic cards;

2) bank tariffs:

on operations with the international plastic cards of VISA;

on delivery of cash money on the international plastic cards of VISA for clients of foreign banks;

3) regulations:

release and service of bank plastic cards in bank;

performance of operations with bank plastic cards and service modes спецкартсчетов;

deliveries of cash money to holders of bank plastic cards;

спецкартсчетов and accounts of a guarantee covering on bank plastic cards;

replenishments спецкартсчетов the bank plastic cards which are given out by bank;

4) the services realized by means of bank plastic cards:

receiving cash money in any points on delivery of cash money and ATMs worldwide where cards of this payment system are accepted; payment of the goods (works, services) in the various organizations accepting cards as means of calculation;

salary cards;

corporate cards.

Traditional bank products for the client are represented by the list of the services included in the contract. This list is made of an initial set of base and additional services. As an example we will provide the list of services of banks according to documentary letters of credit