The problem is not always in the product. What is misselling? It is a by using agile methodologies and project management platforms dishonest sale associated with the substitution of a product. That is, when a person thinks that he has bought one thing, but in fact it is something else. An ordinary person, coming to a bank to place money, thinks that he is placing it in a deposit. This is logical, because banks, deposits, investments — all this is connected together in people’s minds.
Banks, as you just said, have turned into supermarkets
they offer not only deposits, but also more complex financial instruments. And at this point the risk of misselling increases greatly. That is, a person may think that this is the same deposit, only more profitable, but in fact he bought, for example, a savings or investment life insurance policy (NSZH or IZH). These are quite common complaints. Or he can buy some security or financial market instrument, fund shares (mutual funds) or something else.
Very important that the manager explains
to the person honestly and clearly what he is offering to invest money in. There are cases (we identify this during our test purchases) when a person was either poorly informed, that is, the difference was not fully explained to him, or some important information was hidden. Usually they do not say that this 4 proven blog post templates – and how to use them investment is not insured by the state. They often forget to say that the return is not guaranteed. That is, they say: last year people earned 15%. But this does not mean at all that this year you will also earn 15, and america email in the future, perhaps, you will not earn anything at all.
— Or they simply say: yield up to 15% per annum. And whether it will be that much or not is unclear.