Solved Suggestion for the improvement in banking
Name of system: Banking System
What is current behavior of system:
Players simply deposit money and withdraw it whenever they want it and money magically appears from the ATM and currently there is no formal loan sectors. Player simply borrow from friends.
what is your improvement suggestion:
The bank must provide loans to players for various purposes like Vehicle, property, medical(for buying tablets), personal loans etc and also charge some interest like 1 or 2% CI or SI per day
A new banking faction can be inroduced,
the people in the faction must verify whether the person who had acquired the loan uses the money he got for that purpose only and can also verify if he/she is eligible to pay the loan back.
They can also serve summons on people who have got loans if they had not paid back their loans and interest for a long time, they can also take the help of the police if the borrower uses violence.
The bank can seize all the properties of the borrower if he/she is not able to pay back the loan, If the properties are not enough they must be forced to do some work and pay a part of their salary for the loan or sell the borrower’s body parts xd.
the bank faction workers must refill all the ATMs around the city using their securicar truck not like money magically appears from nowhere, they can also take the help of the PD for security for the money they are transporting.
There can be other private banks which are owned by players, the interest they receive would be their profit, these charge a higher interest than the government run IORP banks but make the verification process much quicker than the IORP bank.
There can also be informal Loan sectors like pawn shops that provide loans with very less verification like loans for mortgaging vehicles and properties etc… but charge much more higher interest than banks. And these can be owned by players as well.
we might consider this for future updates but not now.