HOME CREDIT INDIA
countries , every home has a laptop or home computer , for example . But although India has excellent mobile technology penetration , it ' s as though the country skipped a step and “ missed out ” on the home computer stage .”
This factor meant that Home Credit had to mobilise an entire software and hardware operation to ensure it could maintain its operations seamlessly and continue serving its customers .
“ Very few people have laptops at home ,” Dolansky says . “ They are all very technically proficient and have fully embraced mobile and IoT technology – but you can ' t do the same sort of business on a mobile phone as you can on a laptop .”
Initially , it was a massive task , as Dolansky explains : “ Home Credit went through a period of time where we were literally shipping laptops and desktops all over the country . It was hectic .” But , after just two weeks , the company was fully remote in terms of its workforce and it was business as usual .
New opportunities in an emerging marketplace The period has , according to Dolansky , driven forward Home Credit India ’ s digital transformation strategy . As a result of the transition , there are more innovative systems in place , and this has meant the team has been able to launch new products and services despite having spent the best part of the last two years operating remotely .
Over the next few months , HCI will be launching its brand new mobile superapp , which is going to offer customers an entirely new point of service . “ The main differentiator is that we are offering them applications that are meaningful to their lives – and not only the services of financial lending .”
Users of the new HCIN super app will be able to manage a multitude of daily tasks directly through the app , from shopping and arranging insurance cover , as well as managing their lending . Dolansky says : “ We are building an ecosystem in which the customer is able to fulfil all their daily needs through one platform that functions seamlessly and frictionlessly , through us and financed by us .”
210 July 2022