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Mexico. Nine out of ten working-age Mexicans say banks do not listen to users or understand their needs, revealed a HSBC study that served as a basis for generating a new approach to the population
. People think that they have no control over their finances or their money, "said Juan Parma, deputy general manager of consumer banking, on Thursday.
The institution will launch a new line of products aimed at young people and families Just on July 2, one day after the presidential election, a deliberate action with which, explained the executive, aims to give the message "that we will work with the elected. "
HSBC's new service plans address two specific segments of the population: singles up to age 35 and families. In both cases, it is of packages of services that can be contracted separately but which are offered jointly in this new line.
The youth plan includes a debit card; a savings account with daily availability and interest payment; secure for the pr otection by the damage or theft of smart phone or tablet; and 1 percent refund of purchases paid with the debit card. This plan has a monthly fee of 150 pesos, which can be exempted if in the savings and investment account it keeps a balance of 4 thousand pesos a month or takes its payroll at this bank.
Meanwhile, the family plan includes a debit card for the head of the family plus three additional accounts for those who decide to join; savings and investment accounts with availability and daily payment of interest; and 1 percent refund of purchases paid with the debit card. In this case, the commission is 180 pesos a month, which can be exempted if the entire family maintains an average balance of 4 thousand pesos per month or per pay.
"Most of the people who participated in the studies What we did to design this product line, on which we worked for a year, think that she has no control over her finances and that it's not just about financial education, but about tools, "Parma said. HSBC will make available to the general public – not just customers – an application called "FinTip", which is used to help people manage their money.
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