Key milestones in 2022 include:
- First digital checking account: This account can be opened completely online in three steps, and includes access to all the benefits of Banco de Chile's loyalty program and the digital ecosystem.
- FAN Emprende: This product is targeted towards local SMEs and has no minimum sales or customer tenure requirements, thus reinforcing Banco de Chile's support and commitment to entrepreneurship. It also provides access to digital channels and the segment’s entire ecosystem of benefits.
- FAN Clan: Launched at the end of 2022, this fully digital debit account is targeted towards teenagers between 14 and 17 years of age. It gives them access to the benefits and discounts offered by the bank and an experience tailored to their tastes and interests. Upon opening the account, each user selects one of three available avatars. Their chosen avatar is printed on their physical debit card and provides tips and insights via social media about environmental issues, good digital practices, responsible finance and other topics of interest.
- Like the FAN account, which reached one million customers in 2022, the FAN Clan and FAN Emprende accounts reinforce the bank's commitment to digital transformation and financial inclusion.
- New Mi Inversión App: This new, user-friendly app allows customers to securely access savings and investment products; open new products fully online; view data such as balances and amounts invested; and create an investment plan through the ""My Goals"" functionality, a simulator of the periodic contributions needed to achieve a given goal from a certain initial investment.
- In the retail segment, different functionalities were added to the Mi Banco and Mi Pago mobile applications. These include the Red Giro QR, a new way of transferring money without a physical card, check Dollar Award balances and open products online; and Paga2, an innovative feature to make and receive payments between customers of our bank and Scotiabank using their mobile phone numbers. Enhancements were made to the Online Banking website, including improvements to mortgage dividend inquiries, virtual cashier's checks, simulator optimization and consumer loan origination, among others.
- In the corporate segment, improvements and functionalities were added to the new Mi Banconexión app, such as express electronic bill payment, multi-product authorization where customers can quickly and easily authorize several products and a dashboard for authorizing electronic transfers and credit line payments. On the Banconexión 2.0 website, several improvements and new functionalities were incorporated involving account aliases, foreign payment orders, IRS mandate renewal, a new home page for the corporate site and a multi-product authorization module.
All these advances in digital transformation were recognized by Chócale, an economic media outlet focused on banking customers and consumers, at the ""Financial Education and Inclusion Awards.” At the event, Banco de Chile was nominated in four categories and was voted by the public to receive the award for ""Best Digital Banking Solution."" Likewise, the FAN Emprende account was selected by the same media outlet as one of the 10 most important product launches in Chile in 2022.
