{"id":690178,"date":"2025-11-17T14:23:54","date_gmt":"2025-11-17T12:23:54","guid":{"rendered":"https:\/\/eba.com.ua\/?p=690178"},"modified":"2025-11-17T14:25:46","modified_gmt":"2025-11-17T12:25:46","slug":"yak-zrobyty-pokupky-na-chornu-p-yatnytsyu-z-minimalnym-byudzhetom-rozpovily-v-otp-bank","status":"publish","type":"post","link":"https:\/\/eba.com.ua\/en\/yak-zrobyty-pokupky-na-chornu-p-yatnytsyu-z-minimalnym-byudzhetom-rozpovily-v-otp-bank\/","title":{"rendered":"[:ua]\u042f\u043a \u0437\u0440\u043e\u0431\u0438\u0442\u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u043d\u0430 \u0427\u043e\u0440\u043d\u0443 \u043f\u2019\u044f\u0442\u043d\u0438\u0446\u044e \u0437 \u043c\u0456\u043d\u0456\u043c\u0430\u043b\u044c\u043d\u0438\u043c \u0431\u044e\u0434\u0436\u0435\u0442\u043e\u043c \u2013 \u0440\u043e\u0437\u043f\u043e\u0432\u0456\u043b\u0438 \u0432 \u041e\u0422\u041f \u0411\u0410\u041d\u041a[:en]\u201cWith OTP BANK\u2019s installment, you can shop on Black Friday even with a zero card balance\u201d \u2014 Product Owner of the Online Lending Team[:]"},"content":{"rendered":"<p><\/p>\n\t<div class=\"img-with-caption img-with-caption--speaker img-left animate-block animate-block--before\">\n\t\t<div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/eba.com.ua\/wp-content\/uploads\/2025\/11\/1080h1080_.png\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t<\/div>\n\n<p style=\"font-weight: 400;\">Ahead of Black Friday, OTP BANK JSC is offering its customers the most convenient lending products. This was announced by <strong>Ihor Kliots, Product Owner of OTP BANK\u2019s Online Lending Team<\/strong>, during the round table discussion \u201cBlack Friday 2025: New Trends in Consumer Lending\u201d organized by Financial Club.<\/p>\n<p style=\"font-weight: 400;\"><em>\u201cOur key focus is on the Skibochka product, which allows customers to pay in installments. There are no fees for repayment, and the first payment is not charged immediately \u2014 the customer makes it in 30 days. So, you can take advantage of Black Friday discounts even with a zero balance on your card,\u201d<\/em> he emphasized.<\/p>\n<p style=\"font-weight: 400;\">According to Ihor Kliots, Black Friday often gives people an extra push to make important purchases. <em>\u201cIf I wanted to buy a fridge or a TV, I\u2019d definitely do it on Black Friday. Retailers truly offer great discounts, while banks enhance their lending programs \u2014 that\u2019s why many clients who have never used loans before start doing so during this period,\u201d<\/em> he noted.<\/p>\n<p style=\"font-weight: 400;\">As Ihor Kliots explained, the period from late November to late December traditionally shows an increase in customer transactional activity: <em>\u201cDue to the shifting holiday calendar, we see a spike in purchases in early December. In fact, late November and all of December can be considered an extended \u2018Black Friday period,\u2019\u201d<\/em> he said, adding that installment plans are the main driver for large purchases, allowing customers to buy significant items without overpaying. At the same time, credit cards, according to Ihor Kliots, remain part of daily banking for many clients and are mostly used for smaller, everyday payments.<\/p>\n<p style=\"font-weight: 400;\">In conclusion, Ihor Kliots shared his forecast on the evolution of banking credit products: <em>\u201cTraditional paper-based loans will soon become a rarity, almost a curiosity. In the future, banks will make lending decisions even faster, call clients less frequently, and keep conversations short and to the point. Lending will become even more accessible and effortless. For example, at OTP BANK, online loan approvals are already made within 20 seconds \u2014 with no phone calls to clients,\u201d<\/em> summarized the Product Owner of OTP BANK.<\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Ahead of Black Friday, OTP BANK JSC is offering its customers the most convenient lending products. This was announced by Ihor Kliots, Product Owner of OTP BANK\u2019s Online Lending Team, during the round table discussion \u201cBlack Friday 2025: New Trends in Consumer Lending\u201d organized by Financial Club. \u201cOur key focus is on the Skibochka product, [&hellip;]<\/p>\n","protected":false},"author":4489,"featured_media":690179,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[24,23],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u201cWith OTP BANK\u2019s installment, you can shop on Black Friday even with a zero card balance\u201d \u2014 Product Owner of the Online Lending Team - European Business Association<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/eba.com.ua\/yak-zrobyty-pokupky-na-chornu-p-yatnytsyu-z-minimalnym-byudzhetom-rozpovily-v-otp-bank\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u201cWith OTP BANK\u2019s installment, you can shop on Black Friday even with a zero card balance\u201d \u2014 Product Owner of the Online Lending Team - European Business Association\" \/>\n<meta property=\"og:description\" content=\"Ahead of Black Friday, OTP BANK JSC is offering its customers the most convenient lending products. This was announced by Ihor Kliots, Product Owner of OTP BANK\u2019s Online Lending Team, during the round table discussion \u201cBlack Friday 2025: New Trends in Consumer Lending\u201d organized by Financial Club. \u201cOur key focus is on the Skibochka product, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/eba.com.ua\/yak-zrobyty-pokupky-na-chornu-p-yatnytsyu-z-minimalnym-byudzhetom-rozpovily-v-otp-bank\/\" \/>\n<meta property=\"og:site_name\" content=\"European Business Association\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-17T12:23:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-17T12:25:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/eba.com.ua\/wp-content\/uploads\/2025\/11\/1080h1080_.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Katia Chaikovska\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Katia Chaikovska\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/eba.com.ua\/yak-zrobyty-pokupky-na-chornu-p-yatnytsyu-z-minimalnym-byudzhetom-rozpovily-v-otp-bank\/\",\"url\":\"https:\/\/eba.com.ua\/yak-zrobyty-pokupky-na-chornu-p-yatnytsyu-z-minimalnym-byudzhetom-rozpovily-v-otp-bank\/\",\"name\":\"[:ua]\u042f\u043a \u0437\u0440\u043e\u0431\u0438\u0442\u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u043d\u0430 \u0427\u043e\u0440\u043d\u0443 \u043f\u2019\u044f\u0442\u043d\u0438\u0446\u044e \u0437 \u043c\u0456\u043d\u0456\u043c\u0430\u043b\u044c\u043d\u0438\u043c \u0431\u044e\u0434\u0436\u0435\u0442\u043e\u043c \u2013 \u0440\u043e\u0437\u043f\u043e\u0432\u0456\u043b\u0438 \u0432 \u041e\u0422\u041f \u0411\u0410\u041d\u041a[:en]\u201cWith OTP BANK\u2019s installment, you can shop on Black Friday even with a zero card balance\u201d \u2014 Product Owner of the Online Lending Team[:] - 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