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25% of Spaniards will pay for their purchases digitally



Madrid, November 24 (EFE) .- The entities have promoted the use of mobile banking and digital payments in the sale of "Black Friday", in which consumption is encouraged by discounts stretching until Monday and in which it is expected that four out of ten Spaniards pay its purchases on the Internet with its electronic devices.

Banks also wanted to participate in the famous "Black Friday", not only because their digital services will be available to the users, but also with offers, discounts and promotions of their own financial products.

Banco Santander, for example, offers a bonus of 30 euros for buyers who make three online purchases of at least 30 euros with their credit card or mobile phone from November 23 to 26.

In addition, it has made available to its clients up to 67,000m euros previously approved loans, with an interest rate of 3.95%, if they are hired no later than November 26th.

But other entities have also expanded their offer of consumer financing during these days, or with previously approved loans because the bank knows the financial capacity of the client, as well as offer funds for postponing procurements.

Experts from the sector believe that these days are a good opportunity for banks to "show" their digital muscle to consumers, as well as everything they can do for them well on their website, or with applications or "applications" for mobile

From German bank N26, they emphasize the importance of mobile banking during these days, because it offers "higher" security payment systems through applications like Mastercard 3D Secure Technology, which allows to estimate the potential transaction risk.

The bank also noted that its digital services make it easier to buy "without borders", in which consumers can buy products at any time, place and with all kinds of currencies without commissions.

In addition, Cetelem, of the French group BNP Paribas, will reduce the interest rate to 3.95% in the three loans, the same strategy followed by the specialized Cofidis consumer finance company.

In the insurance sector, Axa Partners will make a 30% travel rebate holiday, which will be available by November 26.

The main attraction of online purchases on "Black Friday" is that users will benefit from discounts without having to make long queues and wait, in addition to being able to pay by mobile, replacing cash.

They also warn that, because of the high volume of purchases expected these days, they have stepped up their cyber-security campaigns to avoid attempts to imitate, a practice known as phishing.

But for many offers that are, do not forget planning and prudence, so experts like the Financial Comparator Help My Cash recommend users to manage their "good" finances during these sales and make a list of Buy with a maximum budget to spend it.

The website also emphasizes that, in the case of procurement financing, this should be done in a "smart" way to avoid entering into debt more than the account, except to compare bids with other enterprises to pay as little as possible.


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