Mobility in banking : the banks are dragging the not

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				Mobilité bancaire : les banques traînent le pas

The mobility device bank put in place in January 2017 is timidly implemented by the banks. The central Bank will return to the charge. Ditto for the closing of the account and the release of the sureties.

 

Banking mobility, which should facilitate to the customers of a bank to quickly transfer their accounts to another institution, entered into force on 15 January 2017.

This mobility device has been set up jointly by the central Bank and the GPBM (Groupement professionnel des banques du Maroc). It should specifically allow a customer of a bank to instruct its bank to home to take care of all the formalities and the formalities of transfer in its place. The device also provides for the free provision by the banks of a guide to banking mobility, which details the steps to follow to easily change of banking institution.

Several weeks after the launch of this device, it is clear that it is only half-heartedly implemented by the banks. Abdellatif Jouahri, Governor of Bank Al-Maghrib, not denying that. “We have fought hard to establish this mobility because the banks were reluctant,” admits the Wali. But he expects to return to the charge and to remind the banks to their commitments in the field of banking mobility. This point is also on the agenda of the next meeting scheduled in may 2017 between the central Bank and the GPBM.

Another point no less important will be discussed during this meeting. These are incidents of account closure, which have been the subject of numerous claims on the part of the customer. “We have issued a directive to the banking sector to put in place of the treatment cells of the complaint of the customer and responding in a timely manner”. But here, too, ” said Jouahri, things are hardly in place, and in any case not as quickly as did the wishes to the central Bank.

The clearance (or release) of deposits by the banking sector is the third topic that will be addressed by the BAM during the meeting with the GPBM. “Often, even after you have finished the repayment of their credit, the borrower will have difficulties to recover the bonds,” notes the wali.

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