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Consumer credit campaign

Consumer credit campaign. I Marketing campaigns. RAISING CONSUMERS` AWARENESS ABOUT THEIR RESPONSIBILITIES AND RIGHTS. consumers. Enterpreneurs. Media. KEIT HINTS September, 2013 TALLINN. Responsible lending survey at 2012. 7 banks (credit cards, small loans) ;

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Consumer credit campaign

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  1. Consumercreditcampaign I Marketing campaigns RAISING CONSUMERS` AWARENESS ABOUT THEIR RESPONSIBILITIES AND RIGHTS consumers Enterpreneurs Media KEIT HINTS September, 2013 TALLINN

  2. Responsiblelending survey at 2012 • 7 banks (credit cards, small loans); • 10 non-bank financial institutions (quick loans); • 4 telecom service providers; • 9 retail stores that provide payments by instalments

  3. Objective of the survey • Define the information that lenders acquire from the consumers • Survey the lenders` behaviour regarding StandardEuropean Consumer Credit Information form • Determine whether and to what extent the consumer's ability to repay the loan is assessed • Survey whether and to what extent the lenders provide adequate pre-contractual explanations

  4. 87 mystery shopping's…

  5. StandardEuropean Consumer Credit Information Form

  6. Adequate explanations about the credit agreement

  7. Information about 14-days withdrawal right

  8. Warning regarding the consequences of missing payments

  9. Did trader assess consumer awareness and need for explanations

  10. Objectives of the campaign • . Raise the awareness about the Consumer Protection Board of Estonia as a partner and adviser for the participants of consumer environment. • 2. Raise consumers’ awareness about their responsibilities and rights. • 3. Turn more attention to the risks concerning buying periodical mobile content services by the Internet and telecommunication channels. • Turn more attention to the risks concerning consumer credit • Raise consumers’ awareness about their responsibilities and rights • Turn more attention to the principle of responsible lending • Motivate consumers to ask and analyse Standard European Consumer Credit Information Sheet before making a loan decision

  11. Targeting… CONSUMERS MEDIA TRADERS

  12. About the campaign • Duration: • Media campaign and supportive PR activities 1 – 30 November 2012 • Media campaign: • TV commercial • Facebook including short survey about consumer lending behaviour • Google adwords • Campaign website www.laenatargalt.ee • YouTube spot „What to consider before taking a credit“ • PR activities (articles; interviews; public roundtable with market players)

  13. TV commercial • http://www.youtube.com/watch?v=0Y_UCuwXH1o&feature=player_detailpage&list=UUOTFy6F2PucxZ_lZZWwsuoA

  14. Keit Hints Consumer Protection Board of Estonia Keit.hints@tarbijakaitseamet.ee Thank you!

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