Customers now expect a similar experience from their bank. Sixty-nine percent of Retail Banking customers contact the Bank exclusively via digital channels. ING therefore pursues a digital-first approach, but continues to modernise its contact centres and branches. ING regularly adds new functionality to its mobile apps to improve the digital experience.
Belgian customers can now make mobile payments and open a pension account from the Smart Banking app, which has been downloaded more than 1.
In Australia, the Netherlands, Belgium and Poland, smartwatch apps offer extra convenience to customers using the latest wearable technology. We define a primary relationship as one where customers hold a current account and at least one other product with us. Continuous innovation is necessary to keep up with changing customer expectations. In , ING introduced a number of innovative products and services. With new regulation opening up financial services to out of-sector competition and low economic growth putting pressure on traditional sources of income, it is important that ING develops new products and services beyond those traditionally offered by banks.
Read more about our Retail Banking strategy in practice. To achieve a sustainable share of our Challenger markets, we need to grow consumer lending and SME lending. We are making good progress in consumer lending, with consumer-lending assets rising by EUR 1. In line with ING's commitment to support entrepreneurs and the economy, we have partnered with crowdfunding platforms Seedrs and KissKissBankBank in Belgium to offer a fast-track funding process to entrepreneurs for whom a classic bank loan is not necessarily the best or only solution.
ING Direct pays 4. ING Direct offers exactly one type of savings account and one type of checking account. There are no fees and no minimum balances. Wow, that sure has changed. A Consumer Reports roundup that factored in fees and interest rates, among other data, gave ING Direct the highest ranking of all the online banking options.
Keeping ING safe, secure and compliant continues to be a top priority. As a gatekeeper to the financial system, we have an important role in the collective fight against financial and economic crimes. By performing customer due diligence and monitoring transactions we aim to detect and prevent the financial system from being misused in criminal activities, including money laundering and terrorist financing, for the safety and security of our customers and society.
These crimes are universal and affect all of society. Stopping them is not something one bank can do alone.
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