One of Geneva finance's key marketing tools was "Finance Made Easy" I still have one of their sky blue, (happy colour, cunning marketing eh !), car chamois they handed out at an annual meeting with that embodied on it to remind me what a "resounding success" that business model was. I should frame it and hang it on the wall in my office. Making credit rapidly available on an unsecured basis relying almost solely on the existing credit score of an applicant is not a business model that's worked well for the vast majority of finance companies. Suppose since HBL are a bank and come under RBNZ security its different for them...one supposes that dairy farmers and the 180 odd staff from Fisher and Paykel's manufacturing plant about to be made redundant and start new "low risk" business's are prime candidates for this marketing initiative and a great way for HBL to show ongoing and enduring support at this tough time in their lives.
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