"National Bureau of Credit Histories" plans implementation of a sensing technology of persons

On February 26, 2015 the Technoserv company announced completion of testing of a sensing technology of persons for information analysis on credit borrowers, by request of the National Bureau of Credit Histories (NBCH). The technology is supposed to be implemented within interbank service of counteraction to credit fraud.

Project Tasks

"Credit fraud slows down market development: only in 2013 creditors lost about 80 billion rubles, - Alexander Vikulin, the CEO of NBKI noted. – The industry infrastructure providing at a stage of submission of requests operational check of borrowers using the analysis the scan copies of documents and the facsimile is necessary for the market. Creation of such structure based on NBKI and using domestic technologies of Technoserv company gives to creditors the real chance of optimization of the procedure of decision making and decrease in losses in retail lending".

Project Progress

A system is intended for biometric identification according to the facsimile and the scan of the document containing the photo of the client of bank for the purpose of identification of attempts of fraud when receiving the credit. The solution should be integrated in IT infrastructure of NBKI, providing hands-off processing of requests of banks for identification on interbank base. At the first stage a system will be able to process more than 100 thousand requests a day. Time of complete checking of a request will be no more than three seconds. Further, in process of increase in number of banks which will use the offered service capacities of a system will increase.

System architecture allows to process more than 400 thousand comparisons per second.

At the heart of a system own development of Technoserv - SAFI (An analysis system of facsimiles).

Project Results

Services of a system will be provided to partner creditors of NBKI (more than 700 banks and 2 thousand microfinancial institutions in the Russian Federation). A system is scaled and can be implemented on any number of territorial subdivisions of partners of NBKI, and the database of any size.

"The project of NBKI and Technoserv is implementation of wishes from credit institutions in the field of counteraction to fraud in scales of all market, - Sergey Korneev, the president of Technoserv Group told.– Developing a system only within the ecosystem, the bank cannot be insured from primary address of the unfair borrower. Integrating biometric data on borrowers from a great number of participants, credit market receives the new highly effective instrument of check which will increase quality of the issued credits".