Minibank, który wchodzi w strukturę Banku Zachodniego WBK, planuje rozszerzyć sieć swoich placówek w całej Polsce. Wszystkie powstają w systemie agencyjnym.
- Z założenia nasze oddziały mają być małymi placówkami, blisko klienta, w miejscach, gdzie skupia się większość naszej codziennej aktywności - tłumaczy Paweł Błasiak, menedżer ds. wdrożeń i wsparcia sprzedaży minibank - Konkurencja rośnie, ale jest jeszcze dużo miejsca na to, by pojawić się z nowymi placówkami. Dziś w Polsce na milion mieszkańców przypada ok. 140 placówek bankowych, podczas gdy w innych krajach europejskich ta liczba jest znacznie wyższa, w niektórych krajach nawet kilkukrotnie - zaznacza.
Standardowa placówka minibanku funkcjonuje na powierzchni 30-35 m2, gdzie przygotowywane są dwa stanowiska pracy do obsługi klienta.
- Tu jednak mamy dość elastyczne stanowisko, ponieważ specyfika niektórych lokalizacji wymaga od nas dostosowania się do oczekiwań agentów i właścicieli budynków, w których agenci wynajmują lokale – mówi Paweł Błasiak.
Koszt adaptacji i wyposażenia takiej placówki, w zależności od powierzchni, kształtuje się na poziomie ok. 25 -30 tys. zł. Do tego należy doliczyć opłatę wstępną, a jej wysokość uzależniona jest od liczby placówek, które dany agent chce uruchomić. Natomiast po rozpoczęciu działalności agent uiszcza miesięczną opłatę, której wysokość uzależniona jest od modelu obsługi gotówki i może wynieść ok. 500 zł.
Jak przyznał Paweł Błasiak, sukces placówki w głównej mierze zależy od agenta, który dysponuje atrakcyjną lokalizacją dla usług finansowych, zatrudnia pracowników i sprzedaje bankowe produkty. W placówce sieci klient może skorzystać z kredytu gotówkowego, założyć konto, do którego otrzyma kartę płatniczą, opłacić rachunki, dokonać przelewów zagranicznych oraz skorzystać z usług oferowanych przez Western Union.
(mdk)
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pl [description] => [path] => 89f/5ea/003_diamentowa_2_.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 900 [img_height] => 1200 [itemserver_id] => 53305 ) ) ) ) [9] => Array ( [name] => mFinanse [id] => 1911 [type] => 14 [fr] => 1 [short_description] => [minimal_investment] => [name_length] => 8 [link] => /franczyza/1911/mfinanse/ [investmentFormatted] => [currency] => PLN [images] => Array ( [logo] => Array ( [0] => Array ( [pid] => 215640 [country_item] => pl [description] => [path] => 157/78d/mfinase_logo_poziom.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 500 [img_height] => 151 [itemserver_id] => 53627 ) ) [article] => Array ( [0] => Array ( [pid] => 165494 [country_item] => pl [description] => [path] => 4c7/b8a/mfinanse-biuro-lokal.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 883 [img_height] => 710 [itemserver_id] => 38969 ) [1] => Array ( [pid] => 165495 [country_item] => pl [description] => [path] => 5cb/304/mfinanse-biuro.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 881 [img_height] => 713 [itemserver_id] => 38970 ) [2] => Array ( [pid] => 165496 [country_item] => pl [description] => [path] => fe4/311/mfinanse-lokal-biuro.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 881 [img_height] => 712 [itemserver_id] => 38971 ) [3] => Array ( [pid] => 165497 [country_item] => pl [description] => [path] => f81/057/mfinanse-lokal.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 883 [img_height] => 719 [itemserver_id] => 38972 ) ) ) ) [10] => Array ( [name] => Millennium Bank [id] => 2078 [type] => 14 [fr] => 1 [short_description] => [minimal_investment] => [name_length] => 16 [link] => /franczyza/2078/millennium-bank/ [investmentFormatted] => [currency] => PLN [images] => Array ( [logo] => Array ( [0] => Array ( [pid] => 175359 [country_item] => pl [description] => [path] => 40b/8fc/millenniumcmyk.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 500 [img_height] => 116 [itemserver_id] => 42532 ) ) [article] => Array ( [0] => Array ( [pid] => 203589 [country_item] => pl [description] => [path] => 37d/dc8/imgp5666.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1068 [itemserver_id] => 50562 ) [1] => Array ( [pid] => 175362 [country_item] => pl [description] => [path] => 65a/8db/2019-11-13_millennium_karolina_kaczmarek_hr_2_.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 800 [img_height] => 1200 [itemserver_id] => 42535 ) ) ) ) [11] => Array ( [name] => Monetia [id] => 192 [type] => 14 [fr] => 1 [short_description] => [minimal_investment] => [name_length] => 7 [link] => /franczyza/192/monetia/ [investmentFormatted] => [currency] => PLN [images] => Array ( [logo] => Array ( [0] => Array ( [pid] => 78318 [country_item] => pl [description] => [path] => 14e/903/monetia.png [class] => image-png [mime] => image/png [title] => [img_width] => 424 [img_height] => 250 [itemserver_id] => 27760 ) ) [article] => Array ( [0] => Array ( [pid] => 79305 [country_item] => pl [description] => [path] => d82/524/punkt_kasowy_monetia.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 370 [img_height] => 300 [itemserver_id] => 28724 ) ) ) ) [12] => Array ( [name] => Nest Bank [id] => 1791 [type] => 14 [fr] => 2 [short_description] => [minimal_investment] => [name_length] => 9 [link] => /franczyza/1791/nest-bank/ [investmentFormatted] => [currency] => PLN [images] => Array ( [logo] => Array ( [0] => Array ( [pid] => 206169 [country_item] => pl [description] => [path] => 323/147/nest_bank_logo.png [class] => image-png [mime] => image/png [title] => [img_width] => 500 [img_height] => 309 [itemserver_id] => 51123 ) ) [article] => Array ( [0] => Array ( [pid] => 206170 [country_item] => pl [description] => [path] => 3f8/e6a/_nest_bank_interior_4.1._001_1.jpeg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 900 [itemserver_id] => 51124 ) [1] => Array ( [pid] => 206171 [country_item] => pl [description] => [path] => 032/200/_nest_bank_interior_4.1._004_1.jpeg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 900 [itemserver_id] => 51125 ) ) ) ) [13] => Array ( [name] => PKO Bank Polski S.A. [id] => 292 [type] => 14 [fr] => 2 [short_description] => [minimal_investment] => [name_length] => 20 [link] => /franczyza/292/pko-bank-polski-s/ [investmentFormatted] => [currency] => PLN [images] => Array ( [logo] => Array ( [0] => Array ( [pid] => 70537 [country_item] => pl [description] => [path] => 724/36a/pko-bank-polski.png [class] => image-png [mime] => image/png [title] => [img_width] => 222 [img_height] => 250 [itemserver_id] => 20067 ) ) [article] => Array ( [0] => Array ( [pid] => 204488 [country_item] => pl [description] => [path] => b9d/d71/0904_zebrzydowice_ks._janusza_15_.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1200 [itemserver_id] => 50782 ) ) ) ) [14] => Array ( [name] => Quark Kantory Bitcoin [id] => 2250 [type] => 14 [fr] => 1 [short_description] => [minimal_investment] => [name_length] => 22 [link] => /franczyza/2250/quark-kantory-bitcoin/ [investmentFormatted] => [currency] => PLN [images] => Array ( [logo] => Array ( [0] => Array ( [pid] => 195808 [country_item] => pl [description] => [path] => 77b/eb6/logo_quark_kantory_poziome.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 500 [img_height] => 223 [itemserver_id] => 48537 ) ) [article] => Array ( [0] => Array ( [pid] => 210204 [country_item] => pl [description] => [path] => b7f/e7d/6_z_kasjeremmar_9715.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1066 [itemserver_id] => 52019 ) [1] => Array ( [pid] => 210203 [country_item] => pl [description] => [path] => 60f/1e7/5mar_9312.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 800 [img_height] => 1200 [itemserver_id] => 52018 ) [2] => Array ( [pid] => 210202 [country_item] => pl [description] => [path] => 9b8/1eb/7_z_kasjerem_mar_9400_1_.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1067 [itemserver_id] => 52017 ) [3] => Array ( [pid] => 195833 [country_item] => pl [description] => [path] => 398/b6f/quark_bitcoin-1.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1067 [itemserver_id] => 48546 ) [4] => Array ( [pid] => 195832 [country_item] => pl [description] => [path] => 3ed/597/quark_bitcoin01.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 800 [img_height] => 1200 [itemserver_id] => 48545 ) ) ) ) [15] => Array ( [name] => RCU Ubezpieczenia [id] => 1442 [type] => 14 [fr] => 2 [short_description] => [minimal_investment] => [name_length] => 17 [link] => /franczyza/1442/rcu-ubezpieczenia/ [investmentFormatted] => [currency] => PLN [images] => Array ( [logo] => Array ( [0] => Array ( [pid] => 169735 [country_item] => pl [description] => [path] => 63c/9b8/logo-rcu-01.png [class] => image-png [mime] => image/png [title] => [img_width] => 250 [img_height] => 250 [itemserver_id] => 40458 ) ) [article] => Array ( [0] => Array ( [pid] => 169748 [country_item] => pl [description] => [path] => c51/ade/rcu-franchising08.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 800 [img_height] => 600 [itemserver_id] => 40466 ) [1] => Array ( [pid] => 169689 [country_item] => pl [description] => [path] => 031/5c6/rcu-franchising01.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1200 [itemserver_id] => 40443 ) [2] => Array ( [pid] => 169690 [country_item] => pl [description] => [path] => 7ab/e36/rcu-franchising02.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 800 [img_height] => 600 [itemserver_id] => 40444 ) [3] => Array ( [pid] => 169691 [country_item] => pl [description] => [path] => 600/d47/rcu-franchising03.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 800 [img_height] => 600 [itemserver_id] => 40445 ) [4] => Array ( [pid] => 169692 [country_item] => pl [description] => [path] => 592/c5c/rcu-franchising04.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 800 [img_height] => 600 [itemserver_id] => 40446 ) [5] => Array ( [pid] => 169693 [country_item] => pl [description] => [path] => c71/e4d/rcu-franchising05.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 800 [img_height] => 600 [itemserver_id] => 40447 ) [6] => Array ( [pid] => 169694 [country_item] => pl [description] => [path] => 657/96e/rcu-franchising06.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1063 [itemserver_id] => 40448 ) [7] => Array ( [pid] => 169695 [country_item] => pl [description] => [path] => b62/a04/rcu-franchising07.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1063 [itemserver_id] => 40449 ) ) ) ) [16] => Array ( [name] => Santander [id] => 1938 [type] => 14 [fr] => 2 [short_description] => [minimal_investment] => [name_length] => 9 [link] => /franczyza/1938/santander/ [investmentFormatted] => [currency] => PLN [images] => Array ( [logo] => Array ( [0] => Array ( [pid] => 115169 [country_item] => pl [description] => [path] => ddd/2f1/santander_logo.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 500 [img_height] => 250 [itemserver_id] => 37819 ) ) [article] => Array ( [0] => Array ( [pid] => 166677 [country_item] => pl [description] => [path] => e5d/fb5/santander-2.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1067 [itemserver_id] => 39376 ) [1] => Array ( [pid] => 166678 [country_item] => pl [description] => [path] => 0b8/9ea/santander-1.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1067 [itemserver_id] => 39377 ) [2] => Array ( [pid] => 166679 [country_item] => pl [description] => [path] => 072/c49/santander-4.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1081 [itemserver_id] => 39378 ) [3] => Array ( [pid] => 166680 [country_item] => pl [description] => [path] => 041/bb3/santander-3.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1067 [itemserver_id] => 39379 ) ) ) ) [17] => Array ( [name] => Santander Consumer Bank [id] => 2362 [type] => 14 [fr] => 2 [short_description] => [minimal_investment] => [name_length] => 23 [link] => /franczyza/2362/santander-consumer-bank/ [investmentFormatted] => [currency] => PLN [images] => Array ( [logo] => Array ( [0] => Array ( [pid] => 217741 [country_item] => pl [description] => [path] => 654/754/fa_santander_consumer_bank-poland_cv_pos_cmyk.png [class] => image-png [mime] => image/png [title] => [img_width] => 500 [img_height] => 160 [itemserver_id] => 54291 ) ) [article] => Array ( [0] => Array ( [pid] => 217743 [country_item] => pl [description] => [path] => 083/4dc/---2.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1200 [itemserver_id] => 54293 ) [1] => Array ( [pid] => 217745 [country_item] => pl [description] => [path] => 447/7fa/----3.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1200 [itemserver_id] => 54295 ) [2] => Array ( [pid] => 217744 [country_item] => pl [description] => [path] => c7f/3a4/4_58_.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1200 [itemserver_id] => 54294 ) [3] => Array ( [pid] => 217742 [country_item] => pl [description] => [path] => 600/66e/---1.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1200 [itemserver_id] => 54292 ) ) ) ) [18] => Array ( [name] => VeloBank [id] => 735 [type] => 14 [fr] => 2 [short_description] => [minimal_investment] => [name_length] => 8 [link] => /franczyza/735/velobank/ [investmentFormatted] => [currency] => PLN [images] => Array ( [logo] => Array ( [0] => Array ( [pid] => 200087 [country_item] => pl [description] => [path] => b98/c12/logo-velobank-rgb-zielony.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 500 [img_height] => 374 [itemserver_id] => 49765 ) ) [article] => Array ( [0] => Array ( [pid] => 200088 [country_item] => pl [description] => [path] => 36f/de5/vb-011a.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1067 [itemserver_id] => 49766 ) ) ) ) [19] => Array ( [name] => Viviamo Ubezpieczamy [id] => 1612 [type] => 14 [fr] => 1 [short_description] => [minimal_investment] => [name_length] => 20 [link] => /franczyza/1612/viviamo-ubezpieczamy/ [investmentFormatted] => [currency] => PLN [images] => Array ( [logo] => Array ( [0] => Array ( [pid] => 187503 [country_item] => pl [description] => [path] => 568/113/viviamo-umz-czerwone-tlo.png [class] => image-png [mime] => image/png [title] => [img_width] => 500 [img_height] => 160 [itemserver_id] => 46731 ) ) [article] => Array ( [0] => Array ( [pid] => 119912 [country_item] => pl [description] => [path] => 496/3f0/dsc_0226.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1200 [itemserver_id] => 38334 ) [1] => Array ( [pid] => 119911 [country_item] => pl [description] => [path] => fc7/7fc/biuro-pozna_.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1200 [itemserver_id] => 38333 ) ) ) ) ) )Minibank rośnie
1/1
21.01.2008
Od stworzenia w marcu 2007 roku sieci minibank uruchomiono 26 placówek agencyjnych. Za rok ma być ich ponad 10 razy więcej.
Young Engineers fit for a Prince
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Minibank, który wchodzi w strukturę Banku Zachodniego WBK, planuje rozszerzyć sieć swoich placówek w całej Polsce. Wszystkie powstają w systemie agencyjnym.
- Z założenia nasze oddziały mają być małymi placówkami, blisko klienta, w miejscach, gdzie skupia się większość naszej codziennej aktywności - tłumaczy Paweł Błasiak, menedżer ds. wdrożeń i wsparcia sprzedaży minibank - Konkurencja rośnie, ale jest jeszcze dużo miejsca na to, by pojawić się z nowymi placówkami. Dziś w Polsce na milion mieszkańców przypada ok. 140 placówek bankowych, podczas gdy w innych krajach europejskich ta liczba jest znacznie wyższa, w niektórych krajach nawet kilkukrotnie - zaznacza.
Standardowa placówka minibanku funkcjonuje na powierzchni 30-35 m2, gdzie przygotowywane są dwa stanowiska pracy do obsługi klienta.
- Tu jednak mamy dość elastyczne stanowisko, ponieważ specyfika niektórych lokalizacji wymaga od nas dostosowania się do oczekiwań agentów i właścicieli budynków, w których agenci wynajmują lokale – mówi Paweł Błasiak.
Koszt adaptacji i wyposażenia takiej placówki, w zależności od powierzchni, kształtuje się na poziomie ok. 25 -30 tys. zł. Do tego należy doliczyć opłatę wstępną, a jej wysokość uzależniona jest od liczby placówek, które dany agent chce uruchomić. Natomiast po rozpoczęciu działalności agent uiszcza miesięczną opłatę, której wysokość uzależniona jest od modelu obsługi gotówki i może wynieść ok. 500 zł.
Jak przyznał Paweł Błasiak, sukces placówki w głównej mierze zależy od agenta, który dysponuje atrakcyjną lokalizacją dla usług finansowych, zatrudnia pracowników i sprzedaje bankowe produkty. W placówce sieci klient może skorzystać z kredytu gotówkowego, założyć konto, do którego otrzyma kartę płatniczą, opłacić rachunki, dokonać przelewów zagranicznych oraz skorzystać z usług oferowanych przez Western Union.
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Own Business FRANCHISING No. 1/2025 (235)
What business will pay off in 2025
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