Shopping Cart
Your Cart is Empty
Quantity:
Subtotal
Taxes
Shipping
Total
There was an error with PayPalClick here to try again
CelebrateThank you for your business!You should be receiving an order confirmation from Paypal shortly.Exit Shopping Cart

geld is een middel, geen doel

Blog

Blog

Een leeuw in schaapskleren

Posted on March 10, 2014 at 4:50 AM

Vandaag maakte ING bekend dat ze een proef gaan starten waarbij de bank gegevens over betalingsgedrag van hun klanten door kan geven aan bedrijven die daardoor de klant (eventueel via ING) aantrekkelijke aanbiedingen kunnen doen. Uit de artikelen in het Financieele Dagblad en de overige media valt op te maken dat Directeur Particulieren Hans Hagenaars het alleen aan wil bieden aan die klanten die dat willen. Er wordt waarschijnlijk een hoop marketing-effort en ICT-kosten aan besteed.

 

Ik heb de afgelopen jaren mee mogen denken aan software-systemen die het de consument gemakkelijk zouden moeten maken te zien waar hun geld vandaan komt en waar het naar toe gaat. Er zijn verschillende systemen (AFAS Personal en View on Cash) die in staat zijn om de dagelijkse uitgaven al grotendeels te rubriceren. Albert Heijn is ‘huishouden – boodschappen’. Uitgaven bij V&D worden wat lastiger te categoriseren. Maar goed, het gaat allemaal al beter dan neerpennen in een schriftje.

 

Om deze gegevens als consument op je scherm te krijgen moet je nogal wat doen. Eerst uitzoeken hoe je de gegevens van je bank moet downloaden. (Als je verschillende banken hebt op verschillende manieren). Daarna ‘weg zetten op je computer’. Om het vervolgens zien terug te vinden en te uploaden in je Personal Financial Managementsysteem; ofwel je digitale huishoudboekje.

 

Genoeg afhaakmomenten voor de consument. Dit kán slimmer.

 

Het is technisch mogelijk om – als ik mijn bankpasje door de betaalterminal bij Albert Heijn haal – direct in mijn huishoudboekje de post ‘huishouden – boodschappen’ bijgewerkt te hebben. Maar….dan moet er een lijntje liggen tussen mijn bank en mijn digitale huishoudboekje. Daar kan ik als consument toestemming voor geven en in de lead blijven.

 

De afgelopen jaren is door de ontwikkelaars van dit soort software een beroep gedaan op de banken om aan dat lijntje tussen hen en het huishoudboekje van de consument mee te werken. Zeker in een tijd, waarbij het voor de consument meer dan ooit noodzakelijk is om inkomsten en uitgaven goed in beeld te krijgen, is dit een handig hulpmiddel. En bij banken staat klant-belang toch centraal?

 

Overigens zou het niet alleen om een huishoudboekje gaan. Ook de gegevens van hypotheken en andere kredieten, spaar- en beleggingsrekeningen en (levens- en inkomens-)verzekeringen – die nu nog vaak her en der bij banken en verzekeraars lopen – zouden op die manier meer overzichtelijk aan de consument getoond kunnen worden.

 

Maar de banken weigeren hieraan mee te werken!

 

Met name vanuit de mond van Hans Hagenaars heb ik persoonlijk gehoord dat banken NOOIT aan zoiets mee zullen doen. Reden? ‘Wij zijn commerciële instellingen en zullen kijken waar voor ons handel zit. Dan gaan we er zeker niet aan meewerken dat concurrenten gemakkelijk kunnen zien welke producten de consument bij ons heeft’. Of woorden van gelijke strekking. Daarbij vulde hij aan dat klanten van ING ook dáár de beschikking hebben over een huishoudboekje.

 

Op mijn vraag hoe dat dan moest met huishoudens waar rekeningen bij verschillende banken lopen én die hun hypotheken, beleggingsrekeningen, verzekeringen elders hebben repliceerde Hagenaars met ‘dat doen ze dan maar bij mij’.

 

Op mijn vraag hoe hij dat zag met bijvoorbeeld gegevens over verzekeringen die nooit via ING zouden kunnen lopen omdat de consument dat bijvoorbeeld regelt via zijn werkgever was het antwoord van Hagenaars: ‘dat klopt de klant dan maar in ons systeem in’.

 

Het wekt geen verbazing dat met deze mind-set ING niet vóór de consument geld wil verdienen. Maar áán de consument.

 

Ik weiger dus te geloven dat ING mijn klantbelang centraal stelt. Zeker niet na mijn vorige ervaring met ING (zie blog ‘Toen de leeuw nog blauw was’;) Daar doet geen bankierseed wat aan af!.

 

Maar weet je: een heleboel mensen zeggen nu over te stappen naar een andere bank. Ik voorspel: dat doet slechts een klein groepje. Want anderen vinden het veel te veel gedoe. En waar moet je naar toe? Zijn de andere banken zoveel beter? (Behalve Triodos; en ASN misschien).

Dus ING kan gewoon zijn eigen koers varen.

 

Betaal-Bank

 

Het wordt de hoogste tijd dat we betalingsverkeer bij dit soort commerciële baken weg gaan halen. Gewoon een Betaal-Bank inrichten die zich alleen bezig houdt met ‘geld’ van A naar B te verplaatsen. En die verder geen commerciële truuks uit zal halen met MIJN GELD!!



Categories: Banken, Consumentenbelangen

Post a Comment

Oops!

Oops, you forgot something.

Oops!

The words you entered did not match the given text. Please try again.

3695 Comments

Reply golden goose shoes
8:32 AM on December 7, 2022 
My husband and i felt absolutely more than happy that John could finish off his preliminary research from the precious recommendations he was given out of the blog. It's not at all simplistic just to be handing out tips and tricks which other folks may have been selling. So we acknowledge we've got the website owner to appreciate because of that. The most important explanations you've made, the simple blog menu, the friendships you will give support to create - it's mostly spectacular, and it is aiding our son and our family feel that this matter is brilliant, which is certainly seriously pressing. Thanks for everything!
golden goose shoes http://www.goldengooseshoes.us.org
Reply bape shoes
8:26 AM on December 7, 2022 
Thank you a lot for providing individuals with such a splendid opportunity to read articles and blog posts from here. It can be so lovely and full of amusement for me and my office fellow workers to visit the blog not less than thrice a week to read through the new items you will have. Of course, we are certainly satisfied with the perfect pointers you give. Certain two ideas in this post are easily the most effective we've had.
bape shoes http://www.bapesta.us.com
Reply longchamp handbags
7:24 AM on December 7, 2022 
I precisely had to say thanks all over again. I'm not certain what I would've worked on without the type of tricks contributed by you directly on this theme. Certainly was an absolute horrifying case in my opinion, nevertheless taking note of a skilled tactic you handled it forced me to jump with happiness. I'm happier for the work and wish you really know what a powerful job you were carrying out instructing men and women via your web blog. I am sure you have never met any of us.
longchamp handbags http://www.longchampshandbags.us.org
Reply birkin bag
5:15 AM on December 7, 2022 
My spouse and i have been absolutely lucky when John managed to round up his web research with the ideas he had using your web page. It's not at all simplistic to simply continually be handing out tips which usually the rest might have been making money from. We really see we now have the blog owner to appreciate for that. The most important illustrations you have made, the simple blog navigation, the friendships your site aid to promote - it's all fantastic, and it is letting our son and our family feel that the subject is exciting, and that is pretty indispensable. Thanks for all the pieces!
birkin bag http://www.birkinbag.us.com
Reply chrome hearts online store
4:15 AM on December 7, 2022 
I simply wished to thank you so much once again. I'm not certain the things that I might have tried without those points discussed by you on such area of interest. It was before a very frightening scenario in my position, but being able to see a new skilled fashion you handled it forced me to leap for gladness. I'm happy for your guidance and thus trust you are aware of an amazing job that you are doing training the others through the use of your website. Most likely you've never come across all of us.
chrome hearts online store http://www.chromeheartstoreonline.com
Reply hermes belt
1:51 AM on December 7, 2022 
I actually wanted to write down a brief comment to appreciate you for those magnificent techniques you are sharing on this site. My time consuming internet look up has at the end of the day been paid with incredibly good information to share with my companions. I would believe that we readers are very endowed to live in a good network with many lovely individuals with valuable tips. I feel really happy to have discovered your webpages and look forward to tons of more entertaining minutes reading here. Thank you again for a lot of things.
hermes belt http://www.hermesbelts.us.org
Reply bape outlet
1:37 AM on December 7, 2022 
I needed to post you this very small word so as to say thanks a lot once again considering the incredible thoughts you have provided on this website. It was quite incredibly generous of you to supply unreservedly just what a few people would've supplied for an ebook to get some cash for themselves, even more so considering the fact that you might have tried it if you wanted. The creative ideas likewise acted as a great way to realize that many people have the identical eagerness much like my very own to realize more and more around this condition. Certainly there are several more pleasant times in the future for individuals who go through your blog.
bape outlet https://www.bapesoutlet.com
Reply jordan 4
11:38 PM on December 6, 2022 
I truly wanted to send a small message so as to appreciate you for these fantastic tips you are giving out at this website. My prolonged internet research has finally been paid with reasonable content to go over with my visitors. I 'd believe that we website visitors are definitely fortunate to be in a remarkable community with so many wonderful people with interesting opinions. I feel pretty happy to have seen the website and look forward to many more brilliant times reading here. Thank you once more for everything.
jordan 4 http://www.jordan4.us.com
Reply Vakteeday
10:10 PM on December 6, 2022 
where can i get nolvadex Trastuzumab combined with taxanes yields high pathological response rates in patients with HER2 neuoverexpressing tumors, is recommended in countries with enhanced and maximal resources, and should be made available in countries with lower levels of resources at lower costs because of their high efficacy
Reply jordan shoes
9:28 PM on December 6, 2022 
I simply wanted to type a brief note to be able to thank you for these unique concepts you are giving here. My time-consuming internet research has finally been rewarded with excellent facts to go over with my company. I would point out that we website visitors actually are very much lucky to be in a fantastic website with very many brilliant individuals with valuable opinions. I feel rather happy to have discovered your website and look forward to some more enjoyable moments reading here. Thanks once more for everything.
jordan shoes http://www.jordan13.us.com
Reply off white shoes
9:20 PM on December 6, 2022 
I have to point out my appreciation for your generosity for folks who should have guidance on the matter. Your personal commitment to passing the message throughout has been incredibly valuable and has always empowered individuals like me to get to their aims. Your own interesting recommendations can mean a lot a person like me and extremely more to my colleagues. Regards; from all of us.
off white shoes http://www.off---whiteshoes.com
Reply air jordan travis scott
9:20 PM on December 6, 2022 
I must express some thanks to the writer just for bailing me out of this particular circumstance. After looking out throughout the the web and meeting ways which were not helpful, I thought my life was gone. Being alive minus the strategies to the difficulties you've fixed by means of the review is a critical case, as well as ones which could have in a negative way affected my entire career if I had not come across your blog. Your personal expertise and kindness in dealing with everything was very helpful. I am not sure what I would have done if I hadn't encountered such a stuff like this. I am able to at this time look forward to my future. Thanks a lot so much for the skilled and sensible guide. I will not be reluctant to suggest your web blog to anybody who should have direction about this issue.
air jordan travis scott http://www.jordanxtravisscott.com
Reply kevin durant shoes
9:20 PM on December 6, 2022 
I needed to send you this little note to help give thanks once again with the nice concepts you've contributed in this case. This has been certainly seriously open-handed with you to convey openly what a number of us would have advertised for an ebook in order to make some profit for their own end, notably considering that you might have done it if you ever desired. These tactics also worked like a great way to understand that many people have a similar dream just like my own to find out more in respect of this issue. I am sure there are numerous more pleasurable occasions ahead for individuals who see your blog.
kevin durant shoes http://www.kevindurantshoes.us.com
Reply bape clothing
9:19 PM on December 6, 2022 
I must point out my gratitude for your kindness for people that really want guidance on this important content. Your very own dedication to passing the message across came to be remarkably significant and has constantly enabled most people like me to reach their objectives. Your new informative information indicates a great deal to me and far more to my fellow workers. Many thanks; from everyone of us.
bape clothing http://www.bapesonline.com
Reply supreme clothing
9:18 PM on December 6, 2022 
I intended to compose you that little remark so as to thank you as before over the superb knowledge you have discussed in this article. It has been certainly seriously generous with you to make freely precisely what many of us could have marketed for an ebook to help make some profit on their own, most importantly considering that you might have done it in case you considered necessary. These principles additionally acted like a fantastic way to fully grasp most people have a similar eagerness similar to my own to see great deal more with respect to this condition. I know there are thousands of more fun opportunities up front for folks who start reading your blog.
supreme clothing http://www.supremeclothings.us.com
Reply yeezy
9:10 PM on December 6, 2022 
I wish to express my appreciation to the writer just for bailing me out of this particular issue. Because of looking throughout the internet and meeting advice which are not pleasant, I believed my entire life was gone. Being alive devoid of the approaches to the problems you've fixed by way of this site is a crucial case, as well as those which may have adversely damaged my entire career if I hadn't come across the website. Your own personal knowledge and kindness in dealing with everything was crucial. I am not sure what I would've done if I had not come across such a point like this. It's possible to at this time relish my future. Thank you so much for the high quality and amazing help. I will not be reluctant to suggest your web site to anyone who would like direction on this subject.
yeezy http://www.shoes-yeezy.us
Reply fainima
8:53 PM on December 6, 2022 
All medical devices carry some risk for MRI, one possible risk is excessive RF induced heating of tissue with possible thermal damage louer levitra sans ordonnance hydrocortisone will decrease the level or effect of aripiprazole by affecting hepatic intestinal enzyme CYP3A4 metabolism
Reply supreme hoodie
6:56 PM on December 6, 2022 
I not to mention my guys happened to be checking out the great guidelines located on your web page and then the sudden I got an awful feeling I never expressed respect to the website owner for those strategies. Those young boys came totally excited to study all of them and already have in fact been making the most of those things. Appreciation for turning out to be simply helpful as well as for going for this kind of useful tips most people are really wanting to discover. My honest apologies for not expressing appreciation to you sooner.
supreme hoodie http://www.supremes-clothing.com
Reply Edgartus
6:05 PM on December 6, 2022 
cost of arimidex uk
Reply longchamp
5:04 PM on December 6, 2022 
I'm writing to let you know what a terrific experience my wife's girl had reading your web site. She discovered numerous issues, with the inclusion of what it's like to have an awesome giving spirit to let the others very easily comprehend selected impossible issues. You really surpassed our expectations. Many thanks for rendering these great, trusted, edifying not to mention easy tips about that topic to Kate.
longchamp http://www.longchampshandbags.us.org