The Central Bank of the Argentine Republic has established, in accordance with its objective of promoting banking penetration, financial inclusion and the use of electronic means of payment, a series of regulations that imply innovations in the services offered by financial institutions.
This Central Bank, through different Information Regimes, survey of websites or through surveys aimed at the entities, monitors the effectiveness of the regulations issued. In order to deepen the diagnoses obtained, we inform that the Central Bank of the Argentine Republic will begin to carry out field studies under the “incognito client” modality.
The surveys under the indicated modality will be carried out with the intervention of BCRA personnel, through assistance to offices of financial institutions or by making use of the electronic channels used by them to incorporate customers, provide their services, or communicate with their customers or the general public.
The tasks that will be carried out under this modality are intended to collect information to achieve a better diagnosis of the state of affairs in terms of the matters subject to the survey and are not part of the supervision processes carried out by the Superintendence of Financial and Exchange Entities for the purpose of supervising these activities.
Within the framework of the program to be developed, the entities are informed of the following:
a) The survey will be carried out in the financial institutions or using the communication tools that they have for the communication or adhesion of new customers.
b) The study will be carried out from 23.10.2017.
c) The tasks to be performed by the “incognito customer” will consist of formulating queries regarding the different financial products offered by the entity, availability of products and advice on contracting a product.
