CONTRACTED MERCHANT DISCLAIMER OF İŞBILEZ BANKNow, when you read this title, many different bank managers will say, "Oh, here we are," but, "No, we are not actually different from each other, but we are an Ottoman bank!"As in the nostalgic advertising slogan, unfortunately, many banks in our country are not superior in incompetence and incompetence, they are very similar to each other.But today we are going to talk about one of the ineffective, irrational, irrational, I did it and fatal applications of a private and beautiful red bank with domestic capital.CONSTRUCTIVE CRITICISM Our purpose is not only to criticize or humiliate, but to warn them in the right direction, to make them turn from such mistakes with constructive criticism, to bring what they cannot see due to managerial blindness, to show their incompetent and incompetent management, despite all obstacles and difficulties, who want to do business, but do not work properly from the field. To help well-intentioned managers who do not receive feedback, to introduce their own institutions to them.I'm sure this kind of bank-damaging nonsense would not have been ignorantly perpetuated if the decision makers had been made aware of the issue in some way.Since we are on both sides of the table at different times, that is, both the bank employee and the customer, we look after the interests of both parties in a balanced way. After all, banks are profit-oriented businesses, not the Red Crescent Society. We have to be completely against the mentality that sees the customer as a goose to be plucked.IS 25 YEARS NOT ENOUGH?Even though the service quality is not sufficient, the branch staff's kindness and interest in a commercial firm that I follow banking transactions, belonging to a relative of mine, has been working with the red bank for 25 years. For this reason, it has been viewed negatively until now.In any case, this bank would go to bed, get up, pray to its hard-working and devoted personnel, and if the personnel they employ under the most severe conditions for their three cents of money did not have good relations with the customer, it would be far behind its current rank, but instead of understanding the value of this and appreciating its personnel, at the first opportunity, for trivial reasons. Unfortunately, it is managed with a disloyal, ungrateful and self-interested approach that considers dismissal, unfortunately… THE BANK CONTINUOUSLY LOSSING BLOOD While it was the second largest private bank in its time, it was the second largest private bank at the time, thanks to its incompetence and its superior merits in easily spending senior, experienced, qualified personnel who are able to work. We do not expect this bank, which has fallen to the bottom of the ranks, to learn a positive lesson from the events we are going to tell and find the right way.KEEPING AT THE CLASS WITH THE TECHNICIAN About 4-5 years ago, during the transition to the new generation smart cash registers, there was a problem in installing the member workplace programs of the branches of this company located in two different cities. Although the problem was reported, it could not be fixed even after a week.Fortunately, the company's member workplace programs from other banks were also loaded into the cash register, so that the company was not in a position to accept credit cards.While other banks' Affiliate programs were working without any problems, only theirs did not work, which became a separate trademark of incompetence.NO WORK, ONLY DESTROYING The customer, who was angry with this situation, preferred to cancel the terminal rather than dealing with the inoperative terminal and made a request from the branch in this direction.For the bank, which canceled the member business as soon as possible, rather than making it work, the transaction constitutes the peak of inoperability.For those who don't know, let's say that the new generation smart cash registers are machines that can be loaded with a pos program, the ownership and communication costs and consumables are completely owned by the customer. Since there is no physical pos device, pinpad, pos rental is not available. They are profitable instruments in terms of money, banks send service personnel only once to download the program, they do not provide service if the cash register malfunctions, they only bear the cost of installing and operating the pos program, and this expense corresponds to very low amounts per customer.Updates and even pos cancellations are made automatically from the center, so there is no need for the service personnel to even go to the workplace.BANK CANNOT ACCOUNT COST For merchants, if the customer does not want to wait, the commission determined when the account is transferred to the next day is deducted, or the money to be returned is kept in the blocked account for a specified period and paid at the end of the period without commission.An amount under the monthly merchant service fee is also collected from the extra, although a small part of this is communication expenses, it is mainly the monthly membership fee received by the bank.For example, the company we give as an example works by paying a monthly fee of 65 TL from another bank and 100 TL from another bank.While the red bank bought 65 liras in 2021, it increased it to 85 liras in the middle of the year, started to receive 100 liras at the beginning of the year, but without slowing down, it had received 165 liras in February, and announced that it would now receive 185 liras as of March.DEVEYE DİKEN, CUSTOMER SUPPORT CENTER In response to this exorbitant pricing, when a price adjustment is made to the branch in accordance with the market prices or the cancellation of the member workplace is requested, the cancellation cannot be made from the branch, the cancellation can be made by calling the 28 member merchant support line, and even when a cancellation request is made, it is ensured that it is not cancelled. I was told that quite high discounts can be made.Then, when we asked if the owner of the company should call, I was frankly surprised with the answer that no, anyone can call, no problem.When the owner of the company asked me to call, I tried for 3 days to drop the relevant part of the phone number connected to the relevant switchboard. While he was about to get tired of being kept waiting all the time, at the end of the 3rd day, a young man answered the phone, but as you can tell from his world, he was fed up with his world.CALL SUPPORT CENTER THAT DELIVERED ITS SOUL He only asked me for the member workplace number on the slips, when I submitted our request, he did not make any counter-offer. In the face of this spiritlessness and indifference, he said, "Aren't you going to ask why we want to cancel, don't you ever wonder why?"When I said that, he had to say, “Of course you can state the reason if you want.”I said that the monthly membership fee is high, while other banks charge 65 liras, while other banks charge 65 liras, I said that 185 liras remains too high, if the discount is made, we can continue. The person in the "why are you looking for me" mode said with a bored tone of his life, "If that's the case, we can make 135 liras.", when we told him that we would not accept an offer of more than 100 liras, "then we cancel it."he cut it off.OPPORTUNITY IS AWESOME, TIME EXCUSE Okay, when we said cancel it right away, he said that it would not happen immediately, it would be canceled within 15 days. In this case, I objected by saying that even if we do not use it in March, the dues will be cut off. Since the processing of the application I received will take a long time anyway, you still have to pay the fee even if you don't use it," he stated his intentions from the beginning.Then I ended the meeting by talking to the branch and saying let's try to deal with it.When we talked to the branch, we were told that it doesn't matter, they will not cancel without calling you, they will offer a discount when they call.No one from the general directorate called the office or the branch, and the pos continued to work even though it was never used.There was no response within 10 days. On the 10th day, we realized that the postal merchant was deleted.CALL AND CANCEL THE POS THAT YOU ARE Frustrated With, with the instruction of the person who said that he is calling on behalf of the customer, and with the member workplace number only available on the slip copy given to the customer who made the sale, even though the original customer may not even know about it, and without the verbal approval of the original authorized person, who has the ability to perform banking transactions, can easily cancel the merchant. could be done.Let's say you are annoyed with a store or its official, you can understand from the slip that you are working with this bank from the logo at the bottom of the slip, immediately call the member business support line with the member business number on the slip (you can easily find it on google.) and cancel the men's workplace, to have it reopened. let them keep busy.NO STANDARD, NO LOGIC If you get a call from the call center about the fake credit card point campaigns of the same inoperable bank, they say that if you are not a card owner, whether you are a spouse or relative of the general power of attorney, you cannot learn anything about the campaign, even a single word, and we cannot provide information as per the legislation, In fact, what has been done is true, but there is a confidentiality of points, but how can the cancellation of a commercially qualified member workplace be done so recklessly and without the knowledge of the company?If it is canceled so easily, why is the branch not authorized to cancel, and the customer is searched and tortured by the general directorate for days?Cancel it from the branch, right?CUT THE GOLDEN LAYERS CHICKENThey can't think so shallow and stupidly, I seem to hear those who say that even the grocery store can be managed smarter, I'm writing these anyway because it seems very strange to me.The commercial customer is the chicken that lays the golden egg, it lays eggs for you every month, and you earn money from it. If you cut the chicken, the meat may cost more, but it will only be more efficient in the short run, and will cause loss in the medium and long run.This bank officially slaughters the chickens that lay the golden eggs and plucks its customers like goose.While there is a possibility to continue his business and earn money as the customer makes sales from his place of residence every month, he thinks that he will be profitable by collecting two-month dues in cancellation, whereas not only the king but also the bank is chasing customers in a naked state.CANCELING POS WITHOUT CUSTOMER'S CONFIRMATION When we called the branch in March when the pos was canceled, yes your pos was canceled, they should have called you before it was cancelled. When we were asked to have it reconnected, there was no need, we already wanted the cancellation of it. We wanted to, please convey our request regarding this, we said.Of course, there was no response, so we submitted our complaint via the contact form on the website.Again, no one called, a week later, with a uniform answer, we were informed by e-mail that the return was not considered appropriate.In the response, it was said that "the fee is taken as the price of the service provided", we already wanted the refund of the fee paid for the period not served, but for the period in which the service was not provided, but it means that they did not even read the customer complaint and gave stereotypical answers.COLLECTING NON-NON-EXPENSE AGAIN AGAIN The bank, which was not satisfied with the March collection of the closed pos, also collected the monthly membership fee for April from the first day this time.When we called the branch, saying that this would not happen anymore, they gave us the good news, now April is the end, and the dues will not be cut as of May.When we told them that this was wrong, they suggested that we could go to the consumer arbitration committee as if it were an individual transaction.Our problem was not the two-month subscription fee, it was the collection of the undeserved money, but it was necessary to take an extra of 185 liras for the bank and 370 liras as two-month dues for the bank, otherwise the bank would have lost and gone bankrupt, God forbid.However, if the member business was continued, how many times would the bank earn each month, they were unable to think of this.NOT THE BRANCH, THE GM is culprit here, not the branch whose hands are tied, but the general directorate unit that gathers the authority as if it will do the job, but fails to fulfill its responsibilities and requirements, or acts arbitrarily and abstains.THE IMPORTANCE OF CROSS SALES In the past, while working at the bank, the issue of “cross-selling” and connecting the customer with the products was constantly brought to the agenda, like a pile of reproach, and emphasized countless times in every meeting.In fact, they were right, cross-selling is a very important and indispensable element in banking;It is not enough to just give credit, or sell credit cards, or give a pos.A company that is given a commercial loan must also be given a member workplace, a checkbook, and even automatic payment so that if there is cash flow or cash flow, the demand will increase there, the customer cannot leave the bank immediately, otherwise he will immediately return to his old bank whose low-interest loan ends. , and even by sending the installments by EFT transfer on the same day, there will be no contribution of a penny to your current account.We insisted on paying the tax, SSI or electricity, natural gas bills on us for at least 3-4 months to the commercial companies we gave credit, and sometimes we even made this a condition of credit notification.IF THERE IS NO POS, NO CREDIT, NO CREDIT When we took the assistant general manager responsible for credit allocation to the authorized loan authorized company to visit the company for a credit limit increase, when we asked and learned that our credit card was not paid in installments, rightly speaking, such a thing cannot happen. He had imposed them as a prerequisite for giving credit.Maybe you have the opportunity to market products to the company that uses commercial credit, but if the company that does not use credit has done these voluntarily, if you watch the company go away with product cancellations one by one, you should not sit in that office, you should not sit in that office. As a matter of fact, it is absurd to ask for account.SPENDING THE LABOR IN A JUST I feel sorry for the branches and marketing teams the most, in such cases, the customer is persuaded, the product is marketed and activated, but with the whims of someone who does not have an iota of respect for these efforts and has no salt in the soup, the customer is lost. The interesting thing is that the branch is held responsible for the loss of customers, the account is billed to them.For a banker, it is an alternative intelligence test to have a customer who has been active and multi-faceted for 25 years, if he still continues to trade and work with you, cancel the member workplace.Maximum profit cannot be obtained from each product of a high cross-selling customer, if you want to gain from both meat, milk and wool, you can lose all of them.TOTAL PROFITABILITY PROJECT Some say prayers are others' money, but in banking, total profitability is essential, not prayer. The customer is not measured by looking at only one product. For this, banks spend money with a donkey and have total profitability programs prepared, the system needs to evaluate the customer correctly by looking at it, but unfortunately In the red bank, everyone plays on a separate string, focusing only on the part that may be shallow that interests him.STORK BANK TICKING WITH ITS LONG BEAK For example, we had a similar situation in the stork bank, but the issue at that time was that the public bank, which made installments for cards with the same features, had better pricing.Even though they called many times and wanted to discourage them, they said they can't give that price, we said that if that bank can give you this price while paying the brand rent, you can too.For more than 10 years, we have left the stork bank altogether and have been working with a well-known public bank.They are still calling from the stork bank so that they can still work, but it is easy to lose customers and difficult to gain.WE NEED TO BE A KIND OF EVERY SUBJECT. While working with a well-known public bank for years only as a member business, last year, when the condition that tax payments should be made only through public banks, we immediately contacted this bank, we gave an automatic payment order, so now we keep money there, too, We do not only make money transfers on the day of payment, but also receive funds from the mail, and evaluate the money there until the tax day.You see, the patient dervish gets what he wants, the customer comes by himself and demands cross-selling. If you just didn't see the pulp as enough and missed the customer, the customer might not have preferred you when he needed it, sometimes only the wool would be enough, you could procure the meat and milk from other customers.IT IS DIFFICULT TO FEED A FULL BANK We had a similar situation in a light blue bank, which is the biggest private bank, which is always full and therefore extremely comfortable. At that time, although we used desktop normal POS, we were under the mobile GSM POS fee, and the fees charged by other rival banks in that period were also experienced. they started to receive much higher dues, we did not agree to give more money for a product we did not use, we closed all our accounts because they did not stretch when we sent the request.However, if they had received the current market price, they would have won, but the blindness of the big branch manager, who did not care about the hair on his nose, came into play here, causing the loss of customers.Those who don't like few, one day will not find most of them.GREEN BANK'S POS SUGGESTION At the time, we had the member workplace canceled from the clover leafy green bank due to the inoperability and recklessness of the branch, we complained about the branch, we were called many times to discourage them with different solutions, including changing the branch. As a result of our insistence, they reluctantly accepted the cancellation.LEFT PRIVATE, LOOK AT THE PUBLIC Actually, public banks are working better than private these days, even though we do not intend to work with a new bank when we visit the biggest red public bank we have never worked with, on attractive terms and in a suitable language, we do not intend to work with a new bank, but thanks to the kindness shown. , we could not refuse the offer, they provided us to keep money in that bank by allocating a commercial credit card right after the member workplace.Thus, with the win-win principle, both sides started to win and it still continues.Let commercial customers who are stuck with private banks reconsider their position, do not lose more money to the dead robbers who say that we provide a much better and better service, as if the public does not have that old familiar clumsiness, as if they are providing a very different service from the others, and do not hesitate to change banks, let the competition revive and It's not unfair, it's fairer.LOSE-LOSE TACTIC The principle of the red bank is lose-lose, that they spend their customers one by one, easily and without thinking, like licentious lovers or heirs, but when there is fierce competition prevailing in the market, they will always lose.No matter how angry we are, because we are former staff members, we can't help but feel sorry for them, still express their faults that they are not aware of, and help them to correct themselves voluntarily and unaddressed.DON'T SHARE IT, DO NOT WANT ANOTHER IHSAN Don't be misunderstood, we don't have any personal expectations when I write these, even if they consider the two-month subscription of 370 liras to be taken as a kind of fitre-zakat that we donated to them, we don't want them to be paid back.Let the purpose be public service, let the citizens benefit.THE POSSIBLE SITUATION WHERE BANKING HAS FAILED By expressing these, we would like to draw attention to the deplorable state of banking in our country.This is what will happen if you employ inexperienced young bankers for a dime, with the understanding that we will spend 10-15 years of hard work on experienced, merit-based and responsible bankers like coins and send their compensation by force with a court decision.ESTABLISHMENTS WHO DON'T KNOW THE VALUE OF WHAT YOU HAVE. Because some of them don't know the job, and some of them refuse to tell you out of fear, you grind not only the qualified personnel, but also the customers who are aged and loyal to the bank, on your broken wheel, so that other rival banks are covered in dust.It's time for someone to put a stop to this, and it's passing.Trained manpower is the most important wealth and weapon of a nation and every sector.INTERACTIVE READING We ask you, our dear readers, to enter your disgrace score from 1 to 10 (increasing from bad to good) in the comments, and to share your own similar experiences, if any.On this occasion, we can teach these unemployed people to work remotely, with free education, even if they don't even confess their sins, otherwise there is no benefit from their own staff or institutions, the business has come to a head, let's give a hand for their benefit.BLACK WHITE YUDU, MOR MOR SERDİ All banks were getting dirty at the same rate, but they gave the first place to the white bank.Neither the skin of the red nor the anti-worker face!We need quality production, employment and development!After all, the personnel will not even be able to form a union for their own rights, in fact, it seems that bank customers need to establish a bank customers' union to protect themselves(!) 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