98% of bank services are provided electronically
In an interview with Iran Economist, Mehran Moharmian said about receiving facilities based on credit rating: Currently, all applicants for bank facilities, both small and large, are validated, but the validation coverage for individuals is about 30%, and the rest of the people still do not have a credit rating.
He added: In the new model of the Central Bank, the validation of individuals is fully implemented. Even now, all inquiries are validated, but many people do not have a credit score, which has caused problems.
In response to the question of when the new bank validation model will be implemented, the vice president of technology of the Central Bank said: Because we receive different data from other organizations, we cannot provide an exact date, but soon the validation will reach the full operational stage.
Moharmian also said about whether only real people will be validated or legal entities will also be validated: Most of those who do not have credit coverage are real people, but in the new model, 100% validation coverage will be done.
Regarding the non-personal payment of facilities up to 300 million Tomans, he said: The regulations in this field have not forced anyone, but we encourage that the facilities up to 300 million Tomans be paid in person. Some banks have started to pay facilities in person and others are starting gradually.
Regarding whether debt facilities are the main reason for banks’ imbalances, Mohramian said: Debt facilities also have an effect in this case, but they are not all the reasons for banks’ imbalances.
In response to the question of what percentage of digital banking services are currently provided, the Vice President of Central Bank Technology said: 98% of banking services are digital, the remaining 2% are related to facilities and collateral, which are not yet electronic, some banks They have not yet opened the account in person and electronically.
Regarding the validation of the bank’s customers, Mohramian said: Validation of natural and legal persons is done by Iranian validation, of course, there are other cases regarding legal entities that are checked by the Central Bank.
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