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Post - 'Plastic Money' increaring its foothold
The usage of credit and debit cards among the bank account holders of Nepal
also does not portray an encouraging figure. According to estimates, of the
total account holders’ population of around six million, only about 1.4 percent
hold such cards. One of the main reasons in such a slow growth was the huge
deposit – of up to Rs 50.000 – the bank used to demand to issue such cards.
But a paradigm shift in the banks’ strategy to issue credit cards to
non-accountholders without requirement of any cash deposits is expected to
attract more people, especially the middle class families.
The scheme, which is applicable to anyone whose minimum constant monthly income
is Rs 10,000, allows the cardholder to acquire credit of up to 1.5 times of
monthly salary depending on one’s profession, dependents, experience, among
others.
“We introduced the scheme two months ago and we have already issued around 60
cards within this period,” says Bijaya Nakarmi, Card Center Manager of Himalayan
Bank Limited which has already issued more than 4,000 credit cards and 15,000
debit cards.
The figures provided by NABIL Bank also reveal that consumers’ response towards
the credit and debit cards has been overwhelming in the recent years.
According to Prabin Raj Pokharel, Cards Marketing Section Manager of NABIL Bank,
of the total 5,000 credit cards issued till date since 1993, around 52 percent
were issued between the last 16 months, while the bank has already issued more
than 10,000 debit cards.
At present, almost all of the four banks issue credit cards, charge cards, debit
cards and ATM cards with card types varying from VISA Classic and Gold to VISA
Electron, Master Card and Master Card Gold.
Experts think that the convenience and security of card transactions have driven
the shift towards plastic money.
“Moreover, a customer can have every record of expenses made and the ‘buy now
pay later’ policy of the credit cards allows the cardholder to make any
transaction without having cash in hand,” says Nakarmi of Himalayan Bank.
Experts, however, warn that people who have a history of getting into debt and
buying beyond their limits should stick to using cash. “ Using plastic cards is
convenient and secure as one does not need to carry the cash. But this does not
apply to the less disciplined ones,” they say.
Bankers agree that despite the expensive interest rates, which hover between 27
to 30 percent per annum, the prospects of ‘plastic money’ in Nepal is bright.
“ With the increase of awareness and understanding of the advantages of having a
credit card coupled with issuance of proprietary debit card by most of the
banks, the prospect of plastic money is growing in Nepal and is very good for
future too” says Bina Rana of Standard Chartered Bank Nepal.
Source: Kathmandu Post -
January 22, 2005. Andere linksuggesties voor deze pagina,
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