Information technologies in VTB Group
Article is devoted to questions of creation, development, operation and reliability of information systems of VTB Group and also tracking of its costs for IT.
Main article: IT budget of VTB
IT strategy and projects
Implementation of process mining technology for monitoring of end-to-end process of purchases
On May 15, 2019 VTB announced implementing solution based on process mining technology for the analysis and monitoring of end-to-end process of purchases in scales of all bank. Implementation of technology together with the implemented package of measures from financial department allowed to reduce time of carrying out purchasing process for 25%, at the same time the total quantity of purchases grew by 3 times.
The process mining technology allows to perform in real time collection of information at all stages of purchases of bank. Data on all transactions, terms, types of purchases are aggregated in a single system now, doing process by the most transparent. Also the flexibility of models of collecting and the analysis allows to adapt to the changing requirements business of customers of bank.
| ||The command of bank was faced by a task to implement the solution on a difficult and separate IT landscape which was successfully solved. Implementation of process mining technology allows to see in real time all process of purchases, up to the specific document: from the request to the signed agreement and acts of payment. Thanks to it we can significantly increase efficiency of this process. Besides, we have plans to replicate the solution on other processes.|
Sergey Baranov, the Head of the Moscow Department of Information Technology - the senior vice president of VTB
Collecting of biometric data in 270 bank departments is organized
On March 18, 209 VTB announced ensuring data collection of clients within a Single biometric system in 270 departments in all regions of presence of bank in Russia. Until the end of 2019 the necessary equipment will equip all network VTB.
To hand over biometric data, it is necessary to become the client of VTB and to be registered on the Gosuslug portal. Further using the special equipment of the client photograph and record his voice. After check, data retrieveds come to a Single biometric system. For the acting clients of VTB all process will borrow from three to five minutes.
| ||Opening of 270 points within extensive regional network means, first of all, growth of level of availability of the public and banking services using a Single biometric system. In any of the equipped departments of VTB citizens can hand over biometric samples of the person and a voice in full accordance with requirements of the Bank of Russia. We actively support implementation of initiatives of the Central Bank of ensuring convenient and secure access of the population to financial services.|
Olga Dergunova, deputy president-chairman of the board of VTB
| ||For March, 2019 we develop service which will allow to sign the agreement of complex service without visit of office and to open the master account. It will be available in the middle of 2019. Clients will be able to make out remotely deposits, the accumulation and current accounts, to make payments, a transfer and other services. It, certainly, will increase availability of banking services to inhabitants and in the remote localities.|
Anatoly Pechatnikov, deputy president-chairman of the board of VTB
Transition to besfaylovy data exchange from the Central Bank
On March 5, 2019 VTB transferred settlings with perspective payment system of the Bank of Russia to the updated platform of interaction P.R.I.S.M which main objective – to provide reliable and cryptographic the protected exchange of financial messages with the Central Bank.
The P.R.I.S.M platform was developed by VTB together with Cinimex company. A system allowed not only to centralize information exchange with the Bank of Russia, but also provided other level of protection of calculations against swindlers and other external influences.
The complexity of implementation and implementation of P.R.I.S.M in bank was caused by the scale of business of VTB and the existing IT landscape, constructed on four ABS (the automated banking system). The protected besfaylovy data exchange with a possibility of flexible configuration of rules of delivery of financial messages in the Central Bank was as a result created.
| ||The VTB bank acting as one of leaders in development of perspective payment system refused file exchange with the Bank of Russia and executed transition to a besfaylovy system that will allow to accelerate payment processing many times.|
Valery Chulkov, board member of VTB bank
| ||It is pleasant to me to report that our command submitted within a short time and successfully implemented this platform. Reliability assurance and security of interests of clients – our unconditional priority. It is sure that the P.R.I.S.M system will qualitatively change the level of protection of financial messages with the Central Bank.|
Olga Dergunova, deputy president-chairman of the board of VTB bank
VTB will increase army of IT specialists to 5 thousand human
By the end of 2020 of VTB it intends to increase the number of the IT specialists up to 5 thousand people, reported bank in February, 2019. Until the end of 2020 it is going to involve for work about 2.3 thousand IT specialists, from them 1.5 thousand employees - in 2019.
The main emphasis will be put on selection of developers, analysts and testers, speak in VTB. Besides, the bank will involve project managers, architects, administrators, maintenance specialists and in other profile directions.
Key technologies which VTB already uses and are interested to be developed further, is the distributed data processing on the Spark platform (Hadoop ecosystem), continuous assembly of delivery of the code (is implemented using Atlassian, Gitlab, Ansible, Terraform) and queuing systems in real time (in the languages Erlang, Elixir). The bank intends to pay attention to development using Docker and Kubernetes and also technology of implementation of the distributed prototypes and applications in the Golang language.
In 2018 in VTB about 1 thousand new IT specialists were employed and the bank is interested in further significant building of own IT-kompetentsy. Bank, first of all, is aimed at acceleration of changes and an output of new solutions to the market. This goal will be achieved due to formation of modern microservice IT architecture, implementation of methodology and the DevSecOps tools, active use of cross-functional teams and also development of Open API technology.
| ||During a digitalization era successful business is impossible without active use of information technologies. The quality of the offered banking products depends on them. VTB is interested in support and development of the most modern technologies for this reason we are aimed at large-scale expansion and gain of a command of bank by the first-class specialists of IT market not only for support of the current business processes, but also creation of technologies for disruptive business development, – Olga Dergunova, the vice president – the chairman of the board of VTB bank noted.|| |
VTB numbering IT specialists of 5 thousand people will join ranks of the largest IT employers in Russia. In 2017 the leader was Sibintek here - the main IT contractor of Rosneft where at that time the number of IT employees made nearly 14 thousand. He was followed by Sberbank approximately from 11 thousand. IT specialists.
In 2018 under control of VTB passed Technoserv. 49.99 the % of the company belongs to "CU holding", the share is in pledge at VTB, and directly VTB purchased 40% in the company.
Growth of number of users VTB Online for 56%
On February 6, 2019 the VTB company reported that the number of users VTB Online for 2018 grew by 56%, up to 6.3 million people. At the same time 84% from them use mobile devices for performing banking transactions. The share of online users for the first time in the history of VTB exceeded a half from the total number of active clients. Sales of online deposits in a year increased by 2.7 times, issuances of credits – almost by 6 times. Read more here.
Main on the frontal systems of Sberbank passed into VTB
Growth in sales of credit products through contact center to 600 billion rubles
On February 21, 2019 became and it is known that total sales of retail credit products of VTB through contact center for 2018 reached value - 600 billion rubles that by 2.5 times exceeds an indicator of 2017. Cash loans and a mortgage became main growth drivers.
The bank doubled the volume of the mortgage products issued through contact center – from 63 to 127.7 billion rubles. Thus, practically every fifth mortgage request for the credit is issued with the assistance of the staff of department of client service. Considerably sales of credit cards – grew to 150 thousand pieces. The volume of the issued car loans grew twice, to 2.6 billion rubles.
| ||For 2018 we managed to increase the sales volume of banking products through contact center more than twice. It demonstrates also to demand for this type of service from our clients, and to successful implementation of our projects and also high quality of service. At the same time in the end of the year, during the maximum growth of addresses, we managed to reduce answering interval of the call center specialist to 25 sec. that there are less mean market values. In total for 2018 the contact center of VTB received more than 30 million calls.|
Olga Tsegelnaya, Head of Department of client service of VTB
Project on development and support of EDMS Syntellect Tessa
From January to December, 2018 the Syntellect company implemented the project on development and support of a system based on the TESSA platform for VTB bank. Number of users of a system — 60 thousand human. Read more here.
Development of service of carrying out cross-border calculations
The VTB bank develops service of carrying out cross-border calculations on technology of the distributed registers. For November 6, 2018 service is in a stage of deep study. In commercial operation it can leave in 2019, however exact terms are not called yet.
| ||In bank the prototype of technology of creation of calculations using the distributed registers which we in ourselves tested works and we understand how it works. A number of technical problems, including questions on performance, by the number of transactions which can be made in unit of time is solved.|
Chubar Alexey Vladimirovich, head of department of digital transformation of VTB bank
This technology is applicable for transfers between individuals, the organizations or the companies. The choice of the platform for carrying out cross-border calculations will depend on distribution geography.
Start of an electronic document management system with FSSP
The bank VTB Federal Bailiff Service Russia was also completed by the project on full-scale replication electronic document management of all types of resolutions and also requests for existence of accounts and a remaining balance concerning all categories of debtors through uniform service of interdepartmental electronic interaction. TAdviser Reported about it in VTB on October 11, 2018.
The electronic document management system centralizes request processing and resolutions of FSSP through the whole country. It processes more than 11 million requests and nearly 1.5 million resolutions a month and also reduces terms of document handling and allows to reduce expenses of bank on personnel.
For the purpose of automation of performance of resolutions of FSSP more than ten systems of bank with the minimum manual maintenance are integrated into service. The developed automated technology covers all stages of performance of a document: from search of the debtor and arrest of means on its accounts before automatic monitoring of receipt of funds and collecting.
Also in bank the multistage system of identification of debtors — individuals, excluding providing information or performance of the resolution of FSSP concerning the third party who is not the debtor on enforcement proceeding is implemented.
Integration of IT systems of VTB and VTB24, start Foresight projects
In the reporting of VTB united bank for the 1 and 2 quarters 2018 it is told about key IT projects which implementation went in 2017 and in the first half of 2018.
In 1 quarter 2017 the IT strategy of VTB Group for 2017 - 2019 is approved. During 2017 works on a number of key initiatives within implementation of IT strategy of VTB Group till 2019 were conducted. Initiatives concern development of IT in VTB Group, optimization of end-to-end business processes using modern technology platforms and IT of tools, implementation of agile development methods of products and services, stability augmentation of the operating systems and creation of uniform IT infrastructure of the united bank.
The updated application Mobile bank on the IOS platform is started. In the new version of mobile application registration is significantly simplified, navigation is facilitated and also the possibility of an input and confirmation of operations on a fingerprint is saved.
The solution on automation of opening of checking accounts for clients of small business of Easy bank which allowed to reduce the term of opening of the checking account, holding time of clients and to minimize labor costs of employees is implemented. The key stage of the project on implementation of tools of Big Data about use of the free software is completed, a system GAUSS, a uniform analytical system source for formation of the analytical and management reporting of transaction business is unrolled.
Within accession of VTB 24 (public joint stock company) to VTB Bank (public joint stock company) during 2017 in short time the complex of works on integration of information systems of banks is executed large-scale (22 large directions).
Upon transition to target the IT to architecture performs harmonization of IT systems of both banks: uniform IT systems received both retail, and corporate business, all-bank IT systems are unified. Special attention is paid to ensuring smooth functioning of the united bank from the first day of work regarding carrying out calculations and payments, preparation of the integrated reporting, interaction with the regulating and regulatory authorities.
In 2017 the key tasks connected with accession of VTB 24 (public joint stock company) to VTB Bank (public joint stock company) are carried out:
- transfer of assets/liabilities of VTB 24 (public joint stock company) to VTB Group and VTB Bank (public joint stock company);
- centralization of preparation of the obligatory management reporting;
- centralization of interaction with the Federal Tax Service and Federal Bailiff Service;
- transition to single systems: registration of personnel and payroll; supports of purchases and estimate planning; electronic document management for employees of parent organization and a branch network of retail business;
- IT support consolidation;
- implementation of a uniform retail product line, cross repayment of the credits of retail clients, implementation of cross-transactions;
- implementation of the uniform menu in ATMs, uniform online bank, the new website;
- implementation of customer service of retail bank in any sales point;
- implementation of uniform infrastructure of the united bank: uniform accounts, domain, mail, telephone network; general file resources, portals of support services.
In the investment volume into IT the significant share is made by expenses on upgrade of data processing centers, development of telecommunication infrastructure, infrastructure of jobs and support systems of users. Project works of the virtualization of jobs (VJ) of a branch network on VDI technology are completed, 14 thousand virtual work places are transferred to VDI, works on further scaling of the approved solution are planned. The platform of "a private cloud" of VTB and new infrastructure services is unrolled, migration in "cloud" about a half from TOP-50 information systems of bank is successfully complete.
For the majority of the migrating applications IT infrastructure cost fell (on average by 52%), by 1.5 - 5 times high-speed performance of applications increased.
Within the program of digital transformation system approach to implementation of innovations is used. In 2017 it is started five Foresight of projects: Service of monetization of data, Single system of identification, Single system of communications, Service of digital transactions, Digital settlement service.
For implementation Foresight projects business partners are defined and the working groups with representatives of business lines are created.
Within implementation Foresight project the Single system of identification (authentication of clients using biometric technologies) is created a prototype of a system which includes authentication (own, via the portal of public service and through social networks), biometric identification and a personal account of the user. Within Foresight project Service of monetization of data the analytical space which allows to develop analytical tools of support of sales is created and to use methods of predictive analytics. Implementation of implementation of service in commercial operation is planned. Within implementation Foresight project Service of digital transactions (support of the conclusion of paperless transactions on the basis of technologies of the distributed register — a blockchain) is conducted development of standard scenarios within the working group of Fintech Association. The solution prototype is created".
In the 2nd quarter 2018 the VTB bank completed transition to the multistage system of identification of debtors at execution of requests of Federal Bailiff Service of the Russian Federation (FSSP) for existence of accounts. The implemented project allowed to exclude cases of wrong cash write-off. Now at execution of requests FSSP bank performs check of clients individuals in addition on a TIN, details of the identity document, the residential address and the birthplace.
Within the implemented project between VTB and FSSP electronic document management through Uniform service of interdepartmental electronic interaction is performed (SIEI 3.0).
The bank together with the company "Technoserv Consulting" implemented the system allowing to reduce a document package for adoption of the credit solution and also to accelerate customer service process three times, thanks to automation of scoring processes.
For clients in mobile application of VTB-Online Bank started a number of new opportunities which considerably simplify use of service. To the main innovations of mobile bank tracking of the status of readiness of the issued card, the addresses of office of delivery and planned date of its receiving and also a design of the PIN code belong to the new bank card directly in mobile application. Clients also had an opportunity to independently select the necessary amount of previously approved credit for which receiving there is enough confirmation using the SMS or the push-code.
The bank transferred work of the Supervisory board to a paperless format, having started a communication framework of BoardMaps (dalee-Sistema BoardMaps). The new software allows to optimize considerably processes of preparation and holding meetings of the Supervisory board due to creation of uniform communication space according to all security requirements. The BoardMaps system allows to simplify and accelerate considerably workflows of work of collegiate organs of bank using mobile technologies, to increase security during the work with documents and also to optimize the labor costs connected with preparation, carrying out and registration of meetings.
Planned migration of IT infrastructure of the automated banking system (ABS) of Ex-Bank of Moscow on the platform of a private cloud of VTB is successfully complete. As a result since May, 2018 operating costs of Bank were reduced by 10 million rubles a month due to removal from technical support of an obsolete equipment. Also by 3 times runtime of the major background processes in a system — closings of trading day, processing of the credits decreased and also the operational window for accomplishment of data backup was reduced.
Implementation of the robot collector
According to Interfax with the link for the vice chairman of the board of VTB Anatoly Pechatnikov, on September 1, 2018 this robot who is ringing round debtors will be brought from pilot into commercial operation.
The computer will inform clients on emergence of overdue payments, on their amount and repayment periods and also to receive a promise to repay the debt from clients.
According to Pechatnikov, advantages of the robot collector over living personnel are much lower maintenance costs and lack of a human factor.
| ||The robot always in good mood, is not subject to emotional shocks which can affect quality of work. Plus he always executes the quality standards — the deputy chairman of VTB explained, having added that results of operation of the robot collector during tests were better, than results of group of operators.|| |
However, the robot is ground on simple dialogs when it is necessary to warn at early stages (when the debtor does not pay from 0 to 30 days) the client about debt and to receive a promise about payment introduction. People will continue to work with longer and complex cases of "delay", Anatoly Pechatnikov noted.
Implementation of the robot collector became a part of plans of VTB for opening of offices without employees. At the same time the bank does not call yet terms during which it is going to start completely automated department. It is known only that the first such office will earn in Moscow.
By the end of July, 2018 robots assistants the otdeleniyakhsberbanka is started in in several Moscow. Robots of the Russian company Promobot help to collect responses from clients of bank and to manage an electronic queue. In February Sberbank also implemented technology of the voice assistant robot in contact center for corporate clients.
Mastering of Agile-methodology of development
In July, 2018 the VTB bank announced open request for proposals on information and consulting services in the form of trainings in agile development of Agile for commands. For these purposes it is going to spend nearly 5 million rubles.
The contractor of the contract will have to provide till December 31, 2018 33 trainings on 3 subjects. 13 trainings will concern a basic Agile-Scrum rate. Listeners will be able to learn about the principles and approaches in project management, Agile philosophy, structure of Scrum-process, business projects in Agile style, self-organizing commands, etc. This course will have to be taken to 260 employees of the bank.
10 trainings will be devoted to the subject "Scrum Master". No more than 10 listeners will have to master a rate. As a result of completion of the training participants will have to know, understand and apply the key principles and approaches for a scrum of masters, practice of carrying out Stand Up meetings, skills of work in commands and different types of motivation to a command, skills of a fasilitation during discussions and so forth.
The third subject is called "The owner of a product". In its framework listeners (no more than 10 people) will have to learn about a role and tasks of the owner of a product (Product Owner), interaction with stakeholders and the parties interested in a product. Besides, employees of the bank will have to examine work of user stories and maintaining Backlog, planning and goal setting for sprints and releases, instruments of scaling of commands, etc.
The target audience for all trainings is made by the employees of divisions participating in dynamic projects of VTB bank.
The results of request for proposals are going to be summed up on August 31, 2018.
At the end of April, 2017 the VTB Bank signed the contract with Russian подразделениеìMcKinsey&Company for development of the detailed IT strategy for 2017-2019 and programs of its implementation. Promotion of a technique of agile development (Agile) had to become one of key initiatives of strategy. Services were estimated at 293 million rubles.
Office without people
VTB intends to open the first completely automated office which will not be serviced by employees people in Moscow. The head of bank Kostin Andrey Leonidovich reported about it at the Moscow urbanistic forum, transfers in July, 2018 the VTB Interfax news agency.
Kostin characterized future office without people as "frankly speaking, not really practical". He formulated a project objective as follows: "Just to show to people that it is possible — without people. Try, look, what is it".
Kostin believes that in process of development of technologies the traditional scheme of service of the person by the person in banks nevertheless will remain. The automated service and a meeting of clients with employees people he compared to viewing a football match on the smartphone and a campaign directly on stadium, "where emotions where people".
Also he spoke on forecasts that in the future the technology companies will assume including function of banking institutions, and banks as such will not be any more. According to him, such replacement does not happen.
Transition of VTB to the multistage system of identification of debtors
The VTB bank announced on June 27, 2018 completion of transition to the multistage system of identification of debtors at execution of requests of Federal Bailiff Service of the Russian Federation (FSSP) for existence of accounts. On expectations of bank, the implemented project will allow to exclude cases of wrong cash write-off.
Now at execution of requests FSSP of Russia bank executes check of clients individuals in addition on a TIN, details of the identity document, the residential address and the birthplace. At the same time in the banking market identification of debtors, is generally performed only on two signs: To the Full Name and date of birth.
Within the project between VTB and FSSP of Russia electronic document management through Uniform service of interdepartmental electronic interaction is also implemented (SIEI 3.0).
| ||The system of identification of debtors will allow to exclude cases of wrong cash write-off. In turn, electronic exchange of documents accelerates obtaining information, reduces costs for preparation and data exchange and, as a result, increases efficiency of credit institution and federal service. VTB is one of the first banks working on this system — the board member, the Head of Department of operational support of business of VTB Valery Chulkov said.|| |
In the short term the bank intends to pass to electronic document management from FSSP of Russia with all types of resolutions (search with arrest, arrest, collecting, canceling) through SIEI 3.0.
Interview of the senior vice president of VTB Ivan Pyatkov of TAdviser
In February, 2018 Ivan Pyatkov, the Head of Department of digital business, the senior vice president of VTB, in an interview told TAdviser how the bank transfers clients from departments to remote canals of bank service (RBS) and as in the course of merge to VTB remote links of VTB 24 and Bank of Moscow integrated.
Compliance of contact center to ISO 18295-1:2017-07
The department of client service of bank received the certificate in November, 2013 and with success confirmed it in December, 2015. In November, 2017 bank platforms were checked again by the certified auditors. The bank once again confirmed that it works according to the European standards of contact centers.
The European ISO 18295-1:2017-07 describes quality requirements of work of contact centers and is approved by the European committee on standardization. Application of the standard provides stability of work of contact center, objective assessment of its management system, identification of the directions of improvement of quality of its work.
The contact center of VTB is certified by the International institute of certification of contact centers.
The new Chief information officer - Sergey Baranov
In September, 2017 the new Head of Department of IT of bank was appointed VTB - Sergey Baranov. In this position it replaced Dmitry Nazipov which in June, 2017 passed to work of century Gazprombank. In more detail here.
Development of IT strategy for 293 million rubles
In April, 2017 the VTB bank announced request for proposals for development of the detailed IT strategy for 2017-2019 and programs of its implementation. The financial institution is ready to spend 293 million rubles for these purposes (in more detail...)
2016: Key projects of VTB bank
The significant share of investments into IT is made by expenses on upgrade of data processing centers, development of telecommunication infrastructure, infrastructure of jobs and support systems of users. In 2016 VTB completed the works on creation of new group DPC, said in the report for the 3rd quarter.
IT support of reorganization of Bank of Moscow was provided and works on ensuring IT support of bank maintenance of state defense order according to No. 275-FZ "About the state defense order" are continued.
VTB continues works on a number of key initiatives within implementation of IT strategy of group. They concern development of IT in VTB Group, optimization of IT expenses, development of the group data warehouse and decision making support systems, standardization of the core banking system of parent organization of VTB bank, upgrade of a settlement system, development of the systems of middle office, RBS and all-corporate IT systems, development of IT infrastructure.
In 2016 the bank began the project of transition of the RBS system to more modern and technological platform of new generation – CORREQTS, said in the report for the 3rd quarter. In VTB expect that it will allow to increase customer service quality, to support effective system operation taking into account the predicted growth of the customer base and volumes of payments, to increase fault tolerance and also to lower costs in the development area of new system modules.
Works to the project of creation of the center of client support (CCS) for clients of large business are continued. Within its next the IT solution allowing to expand TsKP in the territory of the centers of operational support and to increase the number of the clients of large business transferred to service in TsKP on operational questions and on products of transaction business will be implemented. Also the bank continues project works of the virtualization of jobs (VJ) of a branch network on VDI technology and the project of creation of "a private cloud" of VTB bank, it is specified in the report for the 3rd quarter.
Key projects of VTB bank
In 2015 a number of automated information systems relating to the main fields of business of VTB bank, said in the report in 1 quarter 2016 gained development. Advanced functionality of the operating systems, new functional tasks in the field of automation of investment, transaction, credit and deposit business, risk management, gain of safety of payments and calculations are implemented.
The portfolio of IT projects during 2015 included more than 50 projects, 12 of which were complete, it is specified in the report. Among completed projects – replacement of the platform of the hub of financial transactions. In VTB bank note that it allowed to increase considerably performance, scalability and fault tolerance of a settlement system, to provide development of interbank interaction with banks of VTB Group and other financial institutions without participation of SWIFT network.
Also the technology of virtualization for 100 automated jobs in the center of operational support in Voronezh was implemented. At the expense of it the bank could transfer to remote accomplishment the centralized operational back office functions on customer service of parent organization. It was made for the purpose of reduction of operating expenses of bank.
In the RBS system in 2015 the functionality allowing to expand the list of available settlement tools and to make work in a system more conveniently and quicker for clients was implemented, raising the service level in the field of cash management, said in one of quarterly statements of VTB for 2015.
In 2015 the bank continued project works of standardization of the core banking system of the parent organization which purpose was preparation of the IT platform for the forthcoming consolidation of banks and transition to uniform target business processes of parent organization and a branch network of VTB bank. In addition, the bank conducted works on implementation of the client portal of VTB Group.
The chief information officer of VTB 24 with optimism looks at possible sanctions
Answering a question of TAdviser of the risks connected with possible restrictions of deliveries of American software to Russia because of a political situation, the director of the department of banking and information technologies of VTB 24 Sergey Rusanov in February, 2015 said that its bank regards them as minimum.
"We are optimists and we think that after all the situation will develop in an optimistic key as it also so rather far came. Therefore we consider similar risks as minimum", - he told.
In 2014 VTB 24 completed creation of all elements of a reference target platform which basis is formed by different products of Oracle.The automated banking system, unlike many Russian banks, VTB 24 also uses import. According to Sergey Rusanov, in case of drastic sanctions measures of collapse in work of bank it does not happen: it will be able to continue support of already existing systems. Problems can arise with development of systems and with the new projects requiring new software and updates, he believes.
In one of banks of VTB Group –Bank of Moscow – earlier in the same month told TAdviser about the conducted experiments connected with import substitution of the system software. The bank, in particular, studies possibilities of migration of the core banking system on PostgreSQL DBMS[[PostgreSQL|]] and also looks at alternatives for replacement of Microsoft OS and the middleware, such as IBM WebSphere.
Sergey Rusanov told TAdviser that Bank of Moscow in group acts as a leader on working off of strategic direction of import substitution. According to him, so far works on this direction in Bank of Moscow, it is worth referring more likely to research, than to business challenges.
Other banks of VTB Group "optionally" participate in working off of this direction together with colleagues from Bank of Moscow, Rusanov says. Experience of Bank of Moscow, he adds, it is going to extend to all group afterwards: "if they achieve some results, we will turn on it in plans taking into account the current external situation".
Rusanov emphasized that import substitution is a task for all organizations with state participation – it is necessary to think of this question and to prepare plans of possible import substitution to become less dependent on the western suppliers in case of aggravation of a political situation.
2013: Plans of VTB for development of IT
The infrastructure plans announced by the Chief information officer VTB Dmitry Nazipov in June, 2013 to a large extent are connected with development of own data processing centers. At that time at VTB was four DPC:
- in a tower Federation where the office of the company is located,
- the first stage of DPC Vorontsovskaya,
- the centers on streets Plyushchikha and Forest.
From two last in 2013 the bank was going to refuse and start the second queue of Vorontsovsky of DPC in the separate building. In 2014-2015 the DPC of Perovo and the archive center in St. Petersburg had to be added.
The policy of transfer of DPCs to regions where the electric power practiced by many companies and operators of the market of DPC is cheaper, to Nazipov did not seem correct as "electricity" in IT expenses of the company makes an insignificant share. Having become attached to electricity provider, you become completely dependent to him, on technogenic catastrophes as shows experience, any of them is not insured. And to pull optical fiber to regions very expensively, argued in VTB. In the Moscow region (and in the future — in St. Petersburg) there is always an opportunity for maneuver — both in provision of energy, and as regards communication channels.
For similar reasons in Moscow also call centers are placed — the personnel capacity of regions is rather small, creation of the new center can leave already existing without personnel. It is simpler to find replacement to the left employees in Moscow.
One more important task for the next years — development of a corporate information system, implementation of the systems of scale of all group, unification of management tools of IT, "raising" of different data from subsidiary companies in the all-group systems, creation of the unified register of clients, etc.
Great influence on purchasing activity of group including in the field of IT, will render law FZ-223 regulating purchases of the companies with the state participation which also VTB treats. As Nazipov believes, its application gives the chance to save up to 20% of means.
2014: Results of IT upgrade of VTB 24
On February 18, 2015 at a press conference Sergey Rusanov, the board member of bank, the director of the department of banking and information technologies of VTB 24, told of stages of transition of bank to the new target IT platform, intermediate results
Growth of volumes of business observed since 2009 became a basic reason for making decision on replacement of the target platform, according to Rusanov, - he demanded a different approach, and, respectively, bigger information volume about clients
All this led to paradigm shift of development of IT in bank and at the same time laid the foundation for strategic partnership with Oracle in 2011. The bank defined the strategy of transition to the new platform according to which a certain quantity of the powerful industrial systems, their integration at the Oracle platform should become a basis for its key IT architecture. Also implementation of management of the marketing companies on the Teradata platform was supposed. These initiatives are implemented during 2012 - 2014.
The executed IT implementations
- By the beginning of 2015 as a result of transition to single front office solution about 26 thousand employees of the bank work at the Oracle Siebel CRM platform within a single system of automation, executing transactions of sales and service of the single interface, observing a contact history with the client and the prepared personal product offers.
- Implementation of an integration bus of Oracle Fusion Middleware helped to connect more than 40 IT systems of bank. This technology, according to Sergey Rusanov, services more than 15 million clients in the territory of Russia on any communication channels, including call center and Internet banking. The technology provides interaction of the inherited and implemented systems, allowing to replace quickly one system another, without idle times in work of front offices.
- The uniform client directory on the Oracle Master Data Management platform is created: 40 million client records are loaded into uniform storage, cleaned and correlated to the general reference books.
- The corporate data warehouse (on the platform of solutions Teradata, SAS BI i Oracle Exadata) is organized in which data from the systems of bank are loaded and stored: it is more than 2.4 thousand servers, including Oracle SuperCluster, systems HP IBM, DWH Hitachi and EMC are placed in seven Moscow DPC with a total area more than 1200 sq.m and in 68 server rooms.
The listed projects helped bank to obtain the complete information at customer interaction, in any of channels and to expand the list of the services available to clients. As a result of IT upgrade the key indicators of bank characterizing activity of its retail block improved, Rusanov emphasized.
| ||The best banks select the best solutions, and these are infrastructure products of the American vendors — Sergey Rusanov emphasized. — Import substitution — long and laborious work.|| |
2012: Informatization results in VTB
The main achievement in 2012, according to representatives of VTB, consisted that the management concept by the IT function in group was created. On the one hand, the IT policy of group should be uniform, with the general standards of rendering services, agreements on the service level, control techniques projects, etc. On the other hand, "daughters" and "granddaughters" should have sufficient space for maneuver as, for example, in the different countries of a condition of business and the requirement of regulators significantly differ.
Therefore complete standardization of business applications at that time was not planned — it is too difficult and expensive though unification on separate classes of products is possible. And here the license policy at VTB the general — the head company signs whenever possible uniform agreement with vendor, and all companies entering into group have an opportunity to buy software at the same, very attractive prices.
In 2012 process of budgeting of IT was started — the technique of planning of expenses within the general process of budgeting of subsidiary companies is developed, verification and approval of expenses on information technologies of subsidiary companies for 2013 is carried out. This year it is going to study attentively expense structure for the purpose of their reduction — for example, due to mass character of purchases for group in general. The regulations of preparation, approval and control of IT expenses of subsidiary companies will be developed. In plans for 2014 — implementation of uniform methodology of planning and control of IT expenses in the child organizations.
Standard documentation by which subsidiary companies will have to be guided at start of new projects and providing reports on already going was developed for streamlining of project activity. In some "daughters" based on these documents works are already conducted. By their results processes of management of projects will be properly corrected.
2011: Plan of informatization of VTB Group
Development of new IT strategy of VTB Group was conducted from April, 2009 to November, 2010, reported in VTB bank. The McKinsey company with which VTB cooperates 5 years, and with assistance of which the previous IT strategy was developed acted as the consultant for its creation (for 2007-2010). The Ernst&Young company became the auditor.
| ||The strategy of the next years will be devoted to an exit of VTB to the new target objective: it is the strategy of achievement of hi-tech support of business, - Dmitry Nazipov noted. - We should be competitive not only in Russia, but also in the world, and our IT strategy should promote it. So problems of ensuring service at the level of the leading world banks are our reference point.|| |
According to the research McKinsey, VTB is included into a segment of banks with high efficiency in general and low costs of IT. Nazipov noted that in 2009. IT costs of VTB made 4% of the general budget of bank, at the "Central European" and "average Russian" indicator of IT costs of banks about 7%.
Strategic objectives of IT of VTB are defined by priority tasks of business, Nazipov says. It is support of new products and channels of service, increase in efficiency of business processes, providing with qualitative data and tools for acceptance of management decisions and accomplishment of regulatory requirements, ensuring business continuity at the expense of reliable IT infrastructure and also providing timely IT services to business divisions.
Centralization of providing key infrastructure services to the companies of group, predictably, had to lead to reducing costs of IT infrastructure, increase in efficiency of use of the equipment due to increase in loading, application of best practices (for example, virtualizations), ensuring business continuity. Application of service model on the basis of SLA which was going to be extended to work of all subsidiary companies in Russia had to become one of results.
Reduction of IT employees became one of optimization measures for reduction of IT expenses: their number decreased by 200 people – at the expense of working in regional branches of VTB. Further optimization of the staff of IT specialists had to happen in process of consolidation of VTB to Transcreditbank and "VTB the Northwest".
| ||It is obvious that after integration of IT infrastructures of these banks and VTB there will be no need for that with assistance of infrastructure of a team of IT specialists duplicated functions of each other, - Nazipov said.|| |
A number of the released employees was going to be redirected for implementation of relevant IT projects of VTB. The bank did not exclude a possibility that external IT structures (similar by that will be created from a part of IT specialists that is at VTB in St. Petersburg).
Besides, VTB was going to continue active cooperation with the large Russian IT companies. The purpose of all these conversions, according to Nazipov, - to achieve a ratio, optimal in terms of efficiency, between internal and external IT projects and to reach 30% increase in efficiency of IT departments.
Among specific plans of VTB for the future Dmitry Nazipov called the forthcoming replacement of the CRM system. He noted that at that time in bank CRM Sales Logix which quite correctly coped with the tasks worked. But implementation of new CRM (the specific solution at that time is not selected yet) – was considered as the strategic investment which would allow VTB to manage effectively customer relations within the next 10 years.
During the course of performance the IT strategy of 2010-2013 it was going to execute a number of significant IT projects in all structures entering into VTB Group: VTB 24, VTB the Northwest, VTB Capital and also in branch of bank of VTB in the CIS and foreign countries.
In the 4th quarter 2011 in VTB the decision on distribution of successfully executed project on business process automation of conducting documentary and warranty operations in parent organization and bank branches on subsidiary banks of group was made. The second stage of the project on IT support of providing banking products of a Cash management segment to corporate clients of bank is implemented.
Besides, the bank completed the project on development of disaster-proof IT infrastructure, created a data processing center and developed the concept of creation of full-function reserve DPC. Its construction should begin in 2012.
2007-2010: Results of implementation of IT strategy of VTB bank
| ||For last four years the covering of IT of functional areas of business significantly changed – more than 80% of the main functionality are automated. Thus, the base for transition in the next 3-4 years to other target objective was created.|| |
The automated banking system
Priorities of VTB bank within the last three years were five large IT projects. One of the most known is a creation of the centralized core banking system. In 2008 three prototypes of the western core banking systems were implemented into VTB, but it turned out that among them there were no systems which the bank could implement and customize for short term.
As a result - the solution of domestic company "New Athena" was selected. This choice allowed to transfer 55 bank branches to the uniform core banking system within one and a half years (in a week – on branch).
| ||Many heard expression: Russia is the cemetery of foreign core banking systems, - Dmitry Nazipov noted. - In Russia about 50 projects on implementation of the western core banking systems were started, from them literally 1-2 successfully ended. Because there are no chances of implementation of these solutions in reasonable time and for reasonable money –.|| |
According to Nazipov, reasonable and conservative approach of VTB once again proved the right to existence: the project on implementation of the western centralized core banking system would be by 4-6 times more expensive.
All bank branches are transferred to the centralized core banking system "New Athena". In bank business processes are unified and optimized, labor productivity of operational employees is increased and operational risks are reduced.
Centralization of a back office
In addition to centralization of the core banking system, the bank performed centralization of a back office of the Moscow region that allowed to increase operational efficiency and to optimize number of staff at additional offices.
The importance in 2007-2010 was given to creation of corporate information storage of bank. Today technical infrastructure of a system of loading, storage and export of data is created and also formation of the consolidated statements in the key directions of business is provided.
Workflow automation became one more key priority of VTB. The created system provided the transparent and effective mechanism of passing and execution of documents in a common information space of head office and branches.
The emphasis was also placed on infrastructure projects. Among them Nazipov noted implementation of the integration IBM WebSphere platform, expansion of capacity of data transmission channels and the system of a video conferencing, creation of a storage system and creation of infrastructure of bank in the Tower Federation is created.
IT passport of VTB
IT passport of VTB 24
- ↑ Service of carrying out cross-border calculations
- ↑ Implemented VTB the robot collector for work with arrears
- ↑ Purchase No. 31806723715
- ↑ will open in Moscow office without people
- ↑ Unification and freedom of choice
- ↑ VTB 24 summed up the results of IT upgrade of 2012-2014.
- ↑ of VTB 24 passes to the new IT platform