| Le attività del Gruppo sono indirizzate al miglioramento continuo dei rapporti con i clienti attraverso comportamenti improntati a principi di lealtà, trasparenza, responsabilità, affidabilità e correttezza in linea con i valori della banca.
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Customer offeringThe Mediolanum Group's work on its range of products and services is centred on the importance of identifying the needs of its customers and ensuring a high level of satisfaction, through increasingly flexible and innovative solutions that are able to meet their needs.Riparti Italia The mortgage area has seen excellent growth: €900 million was lent in total in 2014 – an increase of 29% compared to 2013. This result is undoubtedly a consequence of credit rationing by the competition especially in the early months of the year, but also the positioning of our offer in terms of pricing, as well as the strong focus on the Mediolanum "Riparti Italia" campaign with regard to communications and the sales network. In 2014, Banca Mediolanum continued its commitment to the Riparti Italia initiative. The project, launched in late 2013 at a time of severe economic crisis characterised by a major credit crunch, reached its most evolved state in 2014. Through the Riparti Italia project, Banca Mediolanum has taken real action to help revitalise the Italian economy in collaboration with its customers, through a range of financing products for households at extremely favourable rates, with a view to boosting consumer spending in the construction sector in particular (in the broadest sense, i.e. not only builders but also other professionals who work closely with the industry). Banking services – new developments Banca Mediolanum's banking product offering has been further enriched by a range of new tools and services, characterised by a push to introduce new contactless technologies aimed at providing customers with a more digital – and therefore more sustainable – banking experience. Mediolanum Freedom Easy Card prepaid card: completing the range of payment tools on offer, in March 2014, Banca Mediolanum launched a prepaid card with a range of unique characteristics, designed to help customers manage and control day-to-day expenditure, ideal both for families and the younger generation (minimum age 12). The card features a high level of personalisation (as customers can choose from several colours as well as adding their photograph), security (thanks to SMS alerts and online purchase protection systems), and innovation (with contactless "Tap & Go" technology, as well as NFC functionality, for quick and easy smartphone payments). Mobile Payments: In 2014, Banca Mediolanum consolidated its role as an industry leader with regard to the innovative banking services offered to customers. June 2014 saw the launch of Mediolanum Wallet, an application for NFC smartphone payments. This is the first service of its kind in Italy, developed in partnership with Cartasì, Vodafone and Telecom, and is already enabled through two Mediolanum products: the prepaid Mediolanum Freedom Easy Card and the Mediolanum Card debit card, on the international Maestro network. The initial reaction from the market and from customers is extremely positive and encouraging. Mobile POS: In July, following the entry into force of Legislative Decree 179/2012 aimed at freelancers and sole traders which stipulates the compulsory use of POS equipment for the acceptance of payments, Banca Mediolanum launched the new Mobile POS service, in conjunction with their Professional range of accounts. Via a bluetooth connection to the seller's smartphone, the Mobile POS tool allows payments to be accepted on the go, and sends the receipt for the transaction in digital format via email and SMS. Investment services – new developments 2014 was a very important year for the development of the Group's Vita (Life) product offering. Mediolanum My Life was launched in March – Mediolanum Vita's unit-linked financial insurance product. Fully customisable, the policy combines the flexibility of a financial investment with the advantages of an insurance product. Indeed, through Mediolanum MyLife, customers can implement an advanced financial plan for their assets, across a wide range of investment funds. 2014 was also an important year for the development of the Bank's mutual fund investment product offering. In October, with a view to becoming the "Number One Bank" for all customers, Mediolanum further increased the level of services it offers, thanks to its ability to:
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