La mia banca è invadente

435 Comments

Immaginate che un tizio vi suoni alla porta e poi le cose vadano più o meno così:

– Caro cliente, ecco la sua automobile! Bella eh? È la versione oro, con tutti gli optional e gli interni in piume di colibrì.
– Automobile? Ma io non ho chiesto nulla del genere.
– Ma sì, non si preoccupi: deve solo venire alla concessionaria da noi entro aprile e mettere qualche firm…
– Le ripeto che non la voglio, la macchina.
– Suvvia, guardi quanto è bella. Lei viene da noi, firma e diventa sua, poi per le spese ci pensiamo. Dimenticavo, in questa busta ci sono anche le chiavi per usarla, ci abbiamo scritto sopra il suo nome e i suoi dati. Abbiamo pensato a tutto noi.
– Sì, ma io non vi avevo chiesto niente.
– Noi anticipiamo il cliente, capisce? Glielo facciamo capire noi che cosa vuole, è il marketing.
– …

Se le concessionarie d’auto, i venditori di computer, i salumieri o i gioiellieri applicassero lo stesso sistema usato dalla mia banca (e da molte altre), probabilmente assisteremmo in continuazione a scene del genere. Non so se siano la crisi economica, l’eccesso di zelo, la noia o la carenza di fosforo, fatto sta che da un po’ di tempo gli istituti di credito provano in tutti i modi ad appiopparti opzioni o nuovi servizi che non avevi mai chiesto.

Ieri ricevo per posta una voluminosa busta dalla mia banca, Intesa Sanpaolo, che contiene al suo interno una carta di credito nuova che non ho mai richiesto. Si chiama “Carta Oro”, è pacchianamente color oro (ma dai), ha una banda magnetica, un microchip, un numero in rilievo e il mio nome stampato sopra. Insomma, è una carta di credito a tutti gli effetti, non il solito facsimile dozzinale delle altre offerte commerciali. Nella lettera, Intesa Sanpaolo mi spiega che la mia altra carta di credito scade quest’anno e che quindi mi propongono di sostituirla con la loro. La nuova carta, dicono, non è ancora attiva “per ragioni di sicurezza” (non perché non gliel’abbia mai chiesta) e per attivarla sarà necessario andare in banca entro fine aprile. “Nell’occasione potrà anche estinguere la sua attuale carta di credito” aggiungono gentilmente quelli di Intesa Sanpaolo.

Passano alcune ore e ricevo una seconda busta contenente PIN e password per usare la prestigiosa “Carta Oro” che non avevo mai chiesto. Mi dicono di tenere i codici lontani da sguardi indiscreti (no, non ve li dico) e mi danno le istruzioni per sovrapporre mascherine trasparenti e compagnia per poterli leggere. Insomma, tutto secondo copione, ma per qualcosa che non avevo mai chiesto.

Ovviamente se non andrò in filiale ad attivare la carta, la cosa morirà così e potrò rinnovare sereno la vecchia carta di credito con cui mi trovo benissimo. Il problema è però un altro e ha a che fare col modo in cui Intesa Sanpaolo (e immagino le altre banche) gestisce questo tipo di cose. La banca ha il legittimo obiettivo di aumentare il numero di clienti che usano le sue carte di credito, al posto di quelle gestite dai circuiti esterni, ma per farlo usa una strada che va decisamente oltre la semplice promozione. Invece di inviarti una letterina spiegandoti i vantaggi delle sue carte, te ne manda una con una carta a un passo da essere attivata e una comunicazione poco chiara sul fatto che quella che possiedi sta per scadere. Leggi, magari sei distratto da altro, e sembra davvero una cosa fatta e che sarà necessario cambiare la tua carta di credito. Quella nuova è lì, incollata sul foglio, è vera e ha i tuoi dati sopra. La osservi e intanto continua a frullarti in testa sempre la stessa domanda: ok, ma chi gli ha chiesto niente a questi?

Quante decine di migliaia di clienti avranno ricevuto una busta contenente la nuova carta non richiesta, la lettera e una seconda busta con i codici? Un enorme spreco di carta, chip e plastica, per non parlare delle spese di spedizione con corrieri assicurati. Sicuramente Intesa Sanpaolo ha ottimi motivi commerciali per fare una simile campagna di marketing, ma mi chiedo se abbia anche messo in conto di perdere ulteriormente fiducia e considerazione da parte dei clienti di lunga data come me, che non hanno certo bisogno di simili giochetti per attivare nuovi servizi presso la banca. La mossa di marketing di Intesa Sanpaolo ha comunque raggiunto due obiettivi: (1) mi ha fatto girare fortissimo le scatole e (2) per qualche minuto mi ha spinto a pensare seriamente di spostare il mio conto in banca da qualche altra parte.

435 Comments

  1. È che tu nn sei il target di questo tipo di marketing. Ma sei una minoranza, mini. La maggioranza si farà la nuova carta oro. Perchè è oro.

  2. llpolinf

    a me è successo lo stesso con CheBanca! Non gli avevo detto nulla e mi è arrivata per corriere la carta di credito… Mai usata perché ho già una ricaricabile, sempre con la stessa banca!

  4. Bel post, davvero!
    Io invece ho chiesto una carta di credito alla mia banca di sempre (IW Bank). Fin’ora mi ero trovato benissimo, ma in due mesi tra moduli errati e ritardi non sono stati in grado di inviarmela e io tra pochi giorni parto.
    Insomma curano troppo la prima fase di acquisizione cliente e lasciano sempre scoperta l’assistenza, il servizio clienti… insomma ti lasciano a piedi.
    Se esiste una banca che sia davvero differente ditemelo che sono disposto a pagara anche qualcosa in più.

  6. pierbacco

    E’ successo anche a me. Non avendo a disposizione una tribuna accreditata come “Cattiva Maestra”, mi sono limitato a sbattere sulla scrivania del direttore la carta non richiesta minacciandolo di estinguere sui due piedi i conti in essere. Scuse, ritiro della tessera, accuse al “sistema”. Ancora una volta salvata l’Intesa, con la benedizione di San Paolo.

  11. Anonimo codardo

    Mi è capitato con una nota banca online tutta gialla. Due giorni dopo ho mandato la raccomandata a/r per disdire il conto che avevo con loro. Il pomeriggio del terzo giorno (come suona biblico) mi chiamano loro. Risultato: milioni di ‘ci scusi’, rimborso della raccomandata, e azzeramento canone fino a fine anno. L’unico modo per trattare con una banca è trattarla male. Saluti!

  12. Anonimo codardo

    @Alfredo
    Confrontata con le altre banche on line banca Etica è vergognosamente cara.

  13. Alessandro

    In realtà però non ti ha suonato alla porta un piazzista scocciatore.
    Ti hanno mandato una lettera, in cui non c’era un prodotto (insomma non c’erano due etti di crudo) ma uno strumento per accedere a servizio.
    L’equivalente del salumiere non sarebbe pertanto un coupon con l’invito a recarsi al punto vendita a ritirare i primi due etti di crudo gratuitamente e poi altri a prezzo agevolato?

    Rispetto alla ambiguità sul tema della vecchia tessera non mi esprimo, mentre sono d’accordo sul tema dello spreco di carta, chip e plastica…chissà come si potrebbe limitare questa cosa.
    Credo poi che servizi come quelli bancari siano quelli che presentano una barriera al cambiamento tra i più alti per il cliente medio.

  14. Antonio

    Banca Etica ha condizioni leggermente piu’ vantaggiose rispetto ad altre banche. Di contro ha una presenza sul territorio leggera, la vostra zona potrebbe essere scoperta da filiale e banchieri ambulanti. Anche in presenza del banchiere la sua reperibilità potrebbe essere sporadica, ma necessaria dovendolo incontrare personalmente per la sottoscrizione dei documenti.

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