Problems and limitations of financial marketplaces

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It does not sell anything, but only collects information. In the second option, the client can only study the service offers. And to apply for a product, you will have to contact a specific credit institution. FMs work on a transactional model.


Aggregators - on a lead generation model. IMG_256 Another difference is that the Central Bank of the Russian Federation does not monitor the work of aggregator sites. It does not dentist data control where they redirect customer traffic. In this regard, the issuance of offers for customer requests and the ranking of financial organizations may be carried out in violation of the conditions of free competition.

Initially, the following were available on FM: Registration of bank deposits. Purchase of securities. We are talking about government or corporate bonds, mutual fund shares. At FMs that offered insurance products, consumers could initially only purchase MTPL policies.


Later, the product line of the platforms expanded. Now, with the help of the platforms, you can apply for a mortgage, settlement and cash services for business, and so on. Read also Earn money by selling the course “The profession of an insurance agent” Advantages of financial platforms Users have already had time to appreciate the benefits that financial services marketplaces can provide: Convenience and accessibility. 24/7 access to services from anywhere. Visits to the office are no longer necessary - today, every banking product can be issued remotely. And even in cases where you have not previously been a client of this credit institution.