Sberbank has already processed almost the entire adult population and now relies on children. The bank has released the SberKids mobile application for children from six years old and is actively promoting it on the TikTok social network popular among minors. And so that the parents agree to get their child a personal card, the Gref bank teaches its little potential client to manipulate the “ancestors” in a sophisticated way.
The Sberovsky app has an age limit of 3+. Are you three years old? Feel free to download. Six years old? Persuade your mom or dad to get you a personal bank card. Just first prepare for the conversation like an adult. Here are Sberbank's recommendations for competent "processing" of ancestors.
These are subtle psychological tricks prescribed by professional marketers! Earlier, when there were no bank cards, parents also gave pocket money: for pizza in the school cafeteria and for ice cream after school. The child should have money, and maybe a bank card. It's even safer - high school students won't take away cash. But such methods of psychological pressure on parents, which the official application of Sberbank teaches, is beyond the bounds. And the experts also have questions about the age from which you can have a card. Six years. Not early? The child has not yet gone to school, has not learned to read, write and count, but he is already being put on a banking product.
Hello! With this application, you can get your first bank card, pay in a store and on the Internet, save up for a dream and find out how you can earn money. Interesting? Then click here,”the appendix says.
Promotional video:
Sber actively invites its new clients to TikTok, a popular social network among children and adolescents. Short play videos seem to hint: asking for money from parents "for a tasty treat" is hackneyed, that is, embarrassing, not like an adult, you need to be financially independent. Even small Internet users are persistently shown that a card in their hands works wonders. One light movement - and the cherished sneakers, like Petit's, will fly into your hands by themselves.
Sber actively invites its new clients to TikTok, a popular social network among children and adolescents. Screenshot: TV channel Tsargrad.
Children, on the other hand, do not always understand how hard it is for parents to earn money. And then touching the phone and that's it. Yes, and six years. Why not five, why not seven? Just look, soon Sberbank will issue a card for newborns upon discharge from the hospital. Happy parents come out with a bag tied with a blue or pink ribbon, and a bank manager is already sitting in the corner. But seriously, imposing banking products on children, of course, is scary. Many Russian banks readily approve credit cards for 18-year-olds who have barely graduated from school. And in Tinkoff and Qiwi-bank, you don't even need to confirm income. A minimum package of documents is enough. If you want - go buy a new iPhone, if you want - take the girl to the restaurant. Often, parents have to pay for a luxurious life in debt of their offspring. At least,complaints from them to the office of the financial ombudsman come regularly.
“Such complaints are constantly present,” says financial ombudsman Pavel Medvedev. - Parents write that a loan was imposed on their child. Often not the first time. As a rule, a person complains when patience has run out. This parent paid off one loan, now the other was given. A child spends some on going to have a tasty lunch, some on buying some gadget, and parents have to pay, and parents are often poor people.
A sane person will ask the question: where do banks look when issuing loans to a knowingly insolvent category of citizens? But banks do not care who to impose money on debt. The child will not be able to pay - the parents will be able to. By yourself or after the endearing persuasion of the collectors. Pavel Medvedev is sure: the age of a quality borrower does not start at 18, but at least at 21. But it is still too early for a six-year-old child to have a bank card, it would be nice to first master a little arithmetic. And further. In the same Sberbank app, kids are taught entrepreneurship.
It's great, of course, but do we have our own heroes who can be set as an example for children? There are: Maxim Chizhov, Igor Koropov, Ilya Sachkov. These names are not widely known, but this is all - our young entrepreneurs who made themselves. Why is the state bank - Sberbank - promoting the Americans?
Author: Maria Ivatkina
