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VTB begins to interact with clients in virtual reality. Photo and video

Customers: VTB - Vneshtorgbank

Moscow; Financial services, investments and audit

Product: Projects of Virtual reality

Project date: 2019/05

On May 6, 2019 the VTB bank at the St. Petersburg International Economic Forum (SPIEF) showed new solutions for the clients using technology of virtual reality (virtual reality, VR). In particular, solutions for the choice of the real estate in a mortgage and consultations on investments for individuals. They are created based on points of virtual reality and special applications of VR and are held for use directly in bank departments.

Using a VR mortgage the client will be able to see far off through points of virtual reality apartments in residential complexes. VR glasses give the chance to estimate all characteristics of a real estate: a location on the Moscow map, infrastructure of the residential complex, including nurseries and observation decks, remoteness from the subway and social objects, a design and possible detailed design of rooms. In the solution 360-degree panoramas with an opportunity to build routes are also available.

At virtual reality there is a virtual consultant who is managed by the real employee of VTB from one of bank departments. It can can accompany the client at all stages of virtual walk.

Demo video of a VR mortgage of VTB

The director of project management of digital transformation of VTB Sergey Lukashkin told TAdviser that at virtual reality there can be several people at the same time. It is convenient when come to select the apartment in bank department several family members, he explains. In fact, it is a walk analog with the realtor, Lukashkin says.

As envisioned by bank, it will be possible to look not only already constructed objects, but also those which only begin to be under construction.

«
Unlike the choice of the real estate in a mortgage according to the directory or on the website, in a VR-application  absolutely other feelings: you can understand object dimensions, look at available options of design of the premises, move in space further or it is closer, better to understand, where and what is, to estimate a view from the window of future apartment. The directory will not give such broad picture. We think that  the choice  of the real estate in VR   will be interesting and popular with clients, - Sergey Lukashkin noted in a conversation with TAdviser
»

Walk on the residential complex in a VR-application of VTB
Walk on the residential complex in a VR-application of VTB

Lukashkin also explained TAdviser that at builders there is a lot of 3D - content, and it locates to creating applications of virtual reality. For this VTB takes content from builders and adapts it for VR.

«
Now we are engaged in filling of the application in content. It is already possible to see two residential complexes of our partners, to walk on them. And in the short term we are going to make available at least 100 objects across all Russia. In June we start the first stage of a pilot project with a mortgage, and in August already we expect to begin its broader deployment, - the director of project management of digital transformation of VTB told TAdviser.
»

In plans of VTB at the initial stage of "pilot" - installation in 3 bank departments in Moscow, Yakutsk and Krasnoyarsk the solutions VR for the pilot with real clients.

«
The sense of the platform is that we, having created once the application, can give to it access to the different organizations, companies which can sell together with us a real estate. We consider such option of cooperation now, - the representative of VTB told TAdviser.
»

One more VR-application - VTB of investment. It is created for clients who know about investments a little, but have an amount of money which is wanted to be enclosed in something. The application allows to understand what it is investments what their types happen to what purposes it is possible to direct them, and at the last stage to the client help to collect a share block.

«
In fact, this consultation using the robot. We have very big network and to provide on all places the qualified consultation rather not easy, as well as training of all operators for this purpose. Besides, at communication with the real consultant the client can easily be distracted by a call or still something. Plus VR in this case - it helps the client to plunge completely into content, nothing distracts it. And the bank, in turn, optimizes expenses on training and content delivery in the client, - Sergey Lukashkin explained TAdviser.
»

Interface of the application of VR investments of VTB
Interface of the application of VR investments of VTB

The representative of VTB added that further if necessary, as well as in a case with a VR-application for a mortgage, real consultants in the form of a virtual avatar for the solution of difficult questions will be connected here.

The bank is going to start the application for investments in 2019 in 10 cities in the pilot mode. After pilots it will become clear what needs to be finished that it effectively worked at places, Sergey Lukashkin in a conversation with TAdviser noted.

Interface of the application of VR investments of VTB
Interface of the application of VR investments of VTB

VTB involved the contractor to development of VR-applications. What, in bank preferred not to specify.

Screenshots and video are provided to TAdviser of VTB.

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