maib

Business Profile

Core Value Proposition

maib provides digital banking and financial services, including online loans, cards, deposits, and transfers, via its maibank app and maib business platform in Moldova.

Target Customer

{"Individuals (persoane fizice) in Moldova seeking loans, cards, deposits, and digital banking services","Businesses/organizations (persoane juridice) in Moldova seeking corporate banking, investments, and online banking solutions"}

Key Differentiator

{"Market leader in Moldova ('liderul sectorului bancar din Moldova')","Integrated digital banking ecosystem with maibank mobile app and maib business online banking","Diverse fixed-rate lending options (e.g., fixed rate offers for consumer and corporate loans)","No commissions on certain mortgage offerings (ZERO comisioane pentru credit ipotecar)"}

Implementation Timeline

{"Immediate approval for certain online consumer loans (as advertised for online credit via maibank)","Card activation and PIN setup can be completed during onboarding","Digital banking services and transfers available anytime via maibank and internet banking"}

Pain Points

1Need for quick, online access to credit and financing (credite online; multiple loan products) with straightforward eligibility
2Desire for convenient, secure digital banking and payments (internet banking, mobile banking, P2P transfers, Apple Pay/Google Pay/Garmin Pay)
3Requirement for flexible deposit options and reliable transfer capabilities (depozite, transferuri rapide, SWIFT, national/international transfers)

Key Features

1maibank mobile app and maib online banking for individuals and businesses
2Wide range of loan products: consumer loans Espresso, refinance, consumer loans with/gaj, mortgage (ipotecă) and related precontractual information
3Card portfolio: debit, credit, salary, social, premium cards with PIN setup and card delivery options
4Payments and transfers: fast transfers (P2P, domestic and international via SWIFT), Apple Pay, Google Pay, Garmin Pay
5Investments and capital market services: state securities operations, corporate bonds, and IBAN calculator
6Deposits and fixed-rate products: simple/flexible deposit options and fixed-rate loans (e.g., corporate fixed-rate offer)

Target Customer Industries

Client Results

1Faster access to financing via online applications and, in some cases, immediate loan approval
2Enhanced cash management and payments through digital banking and modern card solutions
3Opportunity to invest in fixed-rate products (corporate bonds) and access fixed-rate loan terms
4Fixed-rate financing options with transparent terms for both consumer and corporate clients

Competitive Advantages

1Market-leading position in Moldova with a broad digital banking ecosystem
2Extensive digital capabilities (maibank, maib business, BankFlex) delivering convenient access to loans, cards, deposits, and transfers
3Fixed-rate lending options (e.g., 6.46% fixed rate for the first year on corporate loans)
4Zero commissions on select mortgage offers and transparent terms
5Support for modern payments (Apple Pay, Google Pay, Garmin Pay) and P2P transfers

Key Benefits

1Fast, convenient digital access to loans and banking services

2Fixed-rate financing options and transparent terms

3Extensive card offerings and secure, modern payment methods

4Robust digital banking ecosystem (maibank, maib business, online banking)

5Zero commissions on select mortgage products

Additional Product Information

Product Description

maib is a Moldovan bank offering digital banking and financial services, including consumer and corporate loans, a wide range of cards, deposits, payments, and capital market services, accessible via the maibank mobile app and maib business online banking.

Target Market

Individuals (persoane fizice) and businesses (persoane juridice) in Moldova seeking digital banking, credit, deposits, and payments

Unique Value Proposition

maib combines market leadership in Moldova with a comprehensive, digitally-first banking platform supporting consumers and businesses through loans, cards, deposits, and real-time payments.

Technical Requirements

{"maibank mobile app available on App Store, Google Play, and App Gallery","Online banking and maib business for web access","BankFlex and other linked digital services as part of the platform"}

Pricing Model

{"Consumer loans: fixed-rate option with a fixed interest rate (example shows a fixed rate; exact APR varies by product) with terms up to 60 months and loan amounts from MDL 5,000 to 400,000","Corporate loans: fixed rate of 6.46% for the first year","Mortgages: ZERO commissions up to 7,000,000 MDL","Deposits: fixed-rate deposits up to 5.50% annually for terms from 30 to 1095 days"}

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