In the context of increasing customer expectations of online financial services, the story of Ms. Beata, a customer who has been using Allegro and the Allegro Pay feature for many years, sheds light on the difficulties that users of the platform may encounter. Ms. Beata, planning to build a house while applying for a mortgage, encountered significant organizational obstacles in the delivery of the necessary documents by Allegro, which put her mortgage plans on hold. Her frustration and urgent demand for a solution underscore the challenges faced by customers of digital financial solutions.

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Description of Ms. Beata’s situation

Ms. Beata, who uses the Allegro Pay service, encountered serious problems when applying for the cash loan repayment certificates needed to obtain a mortgage to build a house. Although she had previously scheduled a loan and settled all financial obligations through Allegro Pay, her debt still showed up as active in the Credit Information Bureau (BIK). This automatically caused her credit application to be blocked. Ms. Beata’s main source of frustration was not only Allegro’s inefficiency in providing the required documents, but also the lack of transparency and efficiency in their procedures. According to her, similar cases are resolved “practically on the spot” in other institutions, while in Allegro the process is excessively slowed down, which customers are not informed about. In addition, what is incomprehensible, Allegro directs its customers to print the loan repayment certificates themselves through the app, however, such an option does not exist in the app, which confuses users and further complicates the situation.

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The importance of efficient customer service in online financial services

In today’s digital world, where more and more financial services are moving online, efficient and effective customer service is becoming crucial. Customers like Ms. Beata expect not only quick, but also effective solutions to their financial problems. Debts that have been formally paid off but still appear in credit information systems can lead to unnecessary complications and delays, negatively affecting users’ lives and financial plans. In the context of online financial services, any delay or error in service can result not only in customer frustration, but also in real financial and reputational losses for the company. A 2022 study found that 50% of home buyers experienced so much stress that it brought them to tears. The stress of buying a house was also compared to the stress of losing a job Source(London Money)*. That’s why it’s so important for platforms like Allegro Pay to develop and maintain high standards of service, providing their users with not only technologically advanced, but also reliable financial solutions.

Allegro Pay
Photo: Depositphotos

How does Allegro Pay work?

Allegro Pay is a payment system offered by the popular Allegro shopping platform, allowing customers to spread their purchase payments into convenient installments. The process begins with filling out a simple application, which is free and may require additional authentication for added security. After activation, the user selects the products he wants to finance the purchase of with the allocated funds. The amount of these funds depends on the purchase history on Allegro and information from external databases. The buyer picks up the order and can use the purchased products, having as much as 30 days to repay the amount due from the moment of purchase. The system reminds you of the upcoming repayment date, which is convenient and avoids delays.

Potential advantages and disadvantages of the system


  • Hassle-free activation: Allegro Pay has no activation costs, making it accessible to a wide range of users.
  • Financial flexibility: The system allows flexible budget management by spreading out payments, which is attractive for more expensive purchases.
  • Simple application process: With an intuitive application process, users can quickly and easily take advantage of payment options.
  • Automatic payment reminders: The automatic reminders feature minimizes the risk of forgetting a payment due date.
  • Popularity: The system is very popular, with 1 million users, and many of them would recommend Allegro Pay to their friends, which indicates a high level of customer satisfaction.


  • Dependence on external data: A credit score that also relies on data from external databases can be problematic for people with less credit history or temporary financial problems.
  • Risk of chronic indebtedness: The ease of access to consumer credit can lead to irresponsible purchasing decisions and debt accumulation.
  • Technical problems: As Ms. Beata’s situation shows, the system can encounter difficulties in providing documents, which is crucial in situations requiring a quick financial and credit response.

In summary, Allegro Pay offers many benefits for users who value convenience and flexibility in managing their spending. However, like any financing solution, it also has potential risks that users should consider before deciding to use this form of financing.

Cases where bureaucracy affects the speed of service delivery

Bureaucracy, or administrative and regulatory procedures in the broadest sense, often has a significant impact on the speed and efficiency of services provided, especially in the financial industry. On the one hand, the bureaucracy is designed to ensure compliance with regulations and safeguard the interests of both consumers and financial institutions. On the other hand, however, excessive process complexity can lead to significant delays in service delivery, which in turn can negatively affect customers.

An example is the credit verification process, which requires customers to provide a variety of documents and confirmations, and each document must be processed and verified by the relevant services. While such measures are necessary to minimize credit risk, they can significantly increase the time it takes to reach a credit decision, which in some cases can expose the mortgage applicant to financial losses or costs. Similarly, in the case of Allegro Pay, such a situation can put important life projects on hold, like buying a house or apartment.

How Allegro Pay works
Photo: Depositphotos

How does Allegro respond to customer crises?

As one of the largest trading platforms, Allegro strives to respond to customer crises by implementing effective incident response procedures. When a customer reports a problem, as in the case of Ms. Beata, the company activates mechanisms to resolve the situation as quickly as possible. The customer service department plays a key role in communicating with the user in an effort to understand the problem and expedite internal processes that can help resolve it, but as we can see in this particular example, even the customer service department “spreads its hands” by directing users to a function that does not exist.

Allegro’s official response to Ms. Beata’s submissions

In response to the application, p. Beaty, Allegro has taken concrete steps to streamline the process of obtaining documents. In addition, the company has pledged to review its internal procedures to better understand and eliminate the sources of errors, which could speed up the handling of similar cases in the future.

By the time the article was published, Ms. Beata had not received the documents to take the loan she is seeking.

* Research source:

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