{"id":10641,"date":"2025-04-24T09:00:00","date_gmt":"2025-04-24T07:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/news\/reps-lassessorament-financer-adequat\/"},"modified":"2025-03-19T19:34:52","modified_gmt":"2025-03-19T18:34:52","slug":"right-financial-advice","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/right-financial-advice\/","title":{"rendered":"Do you get the right financial advice?"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>Only 13% of customers receive financial advice on products tailored to their needs and situation. An alarming figure that warns of the vulnerability in which many consumers around the world find themselves.<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Going to <strong>the bank is synonymous with complex speeches where you never know for sure if they are selling you a good product or simply telling you its positive features<\/strong>. The lack of information and transparency favours, in many clients, the feeling of being deceived. According to a <\/span><a href=\"https:\/\/www.finance-watch.org\/wp-content\/uploads\/2021\/04\/Consumer-credit-market-study-V13.pdf\"><span style=\"font-weight: 400;\">survey<\/span><\/a><span style=\"font-weight: 400;\"> by Finance Watch, <strong>87% of customers are in this situation, and only the remaining 13% hire products that they understand and adapt to their requirements<\/strong>. Below, we will give you the keys to recognizing if you are receiving the right advice.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>First step: inform or advise<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The first thing to keep in mind when talking about financial advice is that <strong>the European MIFID II regulation<\/strong> (2017), created to protect the investor, clearly differentiates the functions of informing and advising.\u00a0<\/span><\/p>\n<ul>\n<li><b>Informing<\/b><span style=\"font-weight: 400;\"> can be done by any bank employee, and <strong>consists of presenting the product information to the customer in a clear, precise, and detailed way<\/strong>. The more information the customer has, the more ability to make a good decision. But let us remark that it is only limited to presenting information, not recommendations or personal opinions. <\/span><\/li>\n<li><b>Advising<\/b><span style=\"font-weight: 400;\">, on the other hand, <strong>requires assessing the customer\u2019s situation and needs in order to advise the most appropriate product<\/strong>. Advising does influence the client\u2019s final decision, and therefore can only be done by people authorised and certified to do this task.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>Requiring pre-contractual information<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">As specified in <strong>Article 7 of the <\/strong><\/span><strong><a href=\"https:\/\/www.boe.es\/buscar\/doc.php?id=BOE-A-2007-13411\">22\/2007 Law<\/a><\/strong><span style=\"font-weight: 400;\"><strong>, any contract made with a bank must provide the customer with pre-contractual information<\/strong>. The cost of the contract must be clearly detailed, as well as the conditions and risks of the contract to be signed. Without this, it is considered that the client does not have all the information at his disposal and therefore the contract may not be adequate.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In Spain, most entities <strong>have become commercial banks, and cross-selling or reactive selling has taken centre stage<\/strong>. They take advantage of the customer\u2019s presence in the office -or even by telephone- to promote certain bank products. A sales process in which written information becomes secondary and advice, according to the survey\u2019s figures, appears to be more focused on the bank\u2019s interests than the customer\u2019s needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>Understand everything you sign<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In this new scenario, the contracting process is usually quick and based on recommendations. Pre-contractual information loses prominence and is often skipped, moving directly to contracting. Only <\/span><b>40% of customers consider that they can choose wisely<\/b><span style=\"font-weight: 400;\">; the rest do not fully understand the information they receive.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition, digital signature systems are an added difficulty for customers, who often sign on a screen without even having access to the pre-contractual document. It is precisely at this point, in the understanding of products, <strong>where we must pay more attention as consumers and, as any jurist would recommend<\/strong>, not sign any product whose characteristics we do not know and understand.<\/span><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component gallery\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-lg-10 offset-lg-1\">\n        <div id=\"slider\" class=\"carousel slide\">\n          <div class=\"carousel-inner\">\n            <div class=\"carousel-item active video-player inline-player\" data-video-id=\"6247203922001\">\n              <img decoding=\"async\" class=\"d-block w-100\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/06\/THUMBNAIL_ARCADI.png\" alt=\"\">\n              <button type=\"button\" class=\"play\"><\/button>\n              <div class=\"carousel-caption\">\n                <p>11Onze&#8217;s Legal Chief spoke about how to treat customers.<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>Online advice, an added difficulty<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Finding personalised advice online is virtually impossible, as many banks simply offer a platform that facilitates contracting by customers. <\/span><b>There is no advice, but the client\u2019s decision is guided<\/b><span style=\"font-weight: 400;\"> from actions as simple as the presentation of information.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">First, <strong>the basic information is presented very concisely, which contributes to irrational sales<\/strong>. They highlight those key data that will make us click to have, for example, an instant loan on irresistible conditions. Once the interest has been captured, the pre-contractual and contractual information appears in a long and <strong>dense document which explains the real conditions of the product<\/strong> and the involvement of the consumer.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The difference is obvious: <strong>very few data to make the decision and multiple pages to detail the contract that lead the consumer to sign it without reading it<\/strong>, remaining with the initial data, and the risk that this entails.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lack of financial advice, or lack of independence from it, <strong>can be considered bad practices if they condition the client\u2019s final decision<\/strong>. Knowing this information is the basis for identifying these possible situations and understanding that, in any contracting, the customer must have the last word.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>11Onze is the community fintech of Catalonia. Open an account by downloading the app El Canut for <\/b><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.e11onze.app&amp;utm_source=emailing&amp;utm_campaign=CANUT+launch\"><b>Android<\/b><\/a><b> or <\/b><a href=\"https:\/\/apps.apple.com\/us\/app\/11onze\/id1566129237?utm_campaign=El+Canut\"><b>iOS<\/b><\/a><b> and join the revolution!<\/b><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component cards\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-xl-8 offset-xl-2\">\n        <h1>If you liked this article, we recommend:<\/h1>\n        <div class=\"cards__wrapper\">\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/magazine\/podcast-defensa-abusos-bancaris\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/05\/POSCAST_THUMBNAIL_PSN-1.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Finances<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Defend yourself against financial abuse<\/strong><\/p>\n              <span class=\"card-time\">4 min read<\/span>\n              <p class=\"card-text small\">11Onze Podcast launches a series of chapters to find out&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/fintech-future-banking-is-now\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/04\/THUMBNAIL_POST_4-1.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Finances<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Fintech, the future of banking is now<\/strong><\/p>\n              <span class=\"card-time\">4 min read<\/span>\n              <p class=\"card-text small\">More and more companies are merging technology&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/branches-decline-new-banking\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/04\/THUMBNAIL_POST_48-1.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Finances<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Branches in decline, the new banking system<\/strong><\/p>\n              <span class=\"card-time\">4 min read<\/span>\n              <p class=\"card-text small\">More than 20,000 bank branches have closed in&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n              <\/div>\n              <br>\n              <br>\n              <div class=\"cards__wrapper\">\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":10654,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"content-type":"","footnotes":""},"categories":[1],"tags":[20],"class_list":["post-10641","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-finances"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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