Information technologies in AK BARS Bank
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2020: Accession to the Digital Profile project
On May 20, 2020 Ak Bars Bank announced accession to the Digital Profile project. Now to clients at application for a consumer loan on the website of bank it is not necessary manually fill out data in the questionnaire. They will be loaded automatically using accounting records on the Gosuslug Portal after the client permits bank access to to the digital profile.
The digital profile (or a Unified identification and authentication system 2.0) is an expanded version personal the citizen's office on the Gosuslug Portal where data will be stored about citizens from different databases (FTS, Rosreestr, the Ministry of Internal Affairs, RPF, etc.).
To fill out the questionnaire on the credit using the Digital profile, it is necessary to visit the website of bank. Then it is necessary to click "Fast filling of the request through Digital the profile" to log in to an account on the Gosuslug Portal and to permit bank use data. The account on Gosuslugakh at the same time should be confirmed, the third level. After data with the Digital profile will be synchronized, the client needs to enter missing information and send the request for consideration. Having analyzed data, the bank will accept solution: issue a loan or refuse. Chance of approval of the request at the same time considerably increases as the bank obtains data on income at once from Digital profile. The client will not need to provide additional references for their confirmation.
 | This service will allow clients the Ak Bars of Bank more simply and quicker to receive
financial services and products. Further using the Digital profile clients will be able to manage easily the personal data remotely, providing digital consent to their processing to business companies or to state institutions for receiving different services, |  |
"Digital profile" – the project the Ministries of digital development, communication and mass communications of the Russian Federation and the Bank of Russia on creation of a single platform for information exchange between the state, citizens and commercial organizations. Within the project it is going to provide access of commercial the organizations to data on the individuals which are contained in state information systems. Data will be provided with the consent of citizens who are stored in the unified register of digital soglasiya.
2019: Implementing solution Heedbook
On June 18, 2019 the Microsoft company reported that Ak Bars Bank, one of universal banks of the Republic of Tatarstan, together with a technology startup of Heedbook, within a pilot project implemented the system of increase in efficiency of offices of the company. As a result of cross-selling of additional services increased twice, customer satisfaction grew by 23%, and the quantity of reasonable complaints – was reduced by 14%. Read more here.
2018
In Change of DIT examination regarding platforms of a layer middle and backoffice, in ABTsT – examination regarding own development of digital channels and RnD, a stack -.NET, React, native mobile development of IOS and Androidiz [1] is concentrated[2]
Objectives:
- Let's consolidate all Change examination in ABTsT, extending to platform solutions the engineering practicians applied in a zone of own development
- We start value streamov macro instructions on the model based on SAFe which includes several production product commands and also a team of business and functional experts for providing the maximum autonomy.
- In parallel with calculation of cost of the Part / d in ABTsT (cost centric approach) we will use a method of calculation of Economic Value Added for assessment of the predicted and actual influence of the ABTsT commands on PnL of Bank
2016
Start on the website of a money transfer service from the card on the card
On March 23, 2016 "AK BARS" the Bank started on the website a translation service of money from the card on the card. Service is available both to holders of the cards "AK BARS" of Bank, and holders of cards of third-party banks, and it is possible to use it at any time and in any place from the device having Internet access.
Adding of session keys for an input in "Online AK BARS"
On January 15, 2016 in the system of remote banking "AK BARS of Online" from PJSC AK BARS BANK the raised system of protection — two-factor authentication is installed. Undergoing the procedure of two-factor authentication at login "AK BARS of Online", after the usual login and the password it is necessary to enter a disposable session key.
2015
On March 11, 2015 "AK BARS" the Bank started a new product — the virtual BankOK card which design requires the mobile device on the IOS platform or Android with installed application of BankOK, Internet access and the operating AK BARS card of Bank about the "Online AK BARS" connected by service.
On August 7, 2015 "AK BARS" Bank "Online AK BARS" for the Android and IOS platforms started new mobile application. Mobile application "Online AK BARS" allows easily, quickly and safely to make payments and to transfer money between accounts and maps, to repay the credits from the phone at any time, without visiting office of Bank.
2014
On September 23, 2014 the new website http://akbars.ru taking into account modern requirements to web-design, availability of information, convenience of using of services is designed. All information on the website adapts under any device — the tablet, phone, the desktop computer, and provides comfortable work with touch screens.
2011
AK BARS Bank one of the first in Russia completed certification audit on compliance to the international standard of security of the Payment Card Industry Data Security Standard payment cards (PCI DSS) of version 2.0. The PCI DSS standard is adopted by the largest international payment systems of Visa, MasterCard, American Express, Discover Card and JCB and works for the companies which store, transfer and process these payment cards. Certification was performed by Digital Security Guard companies and "ICL-KPO of AF" which are among the Russian leaders in the field of security of banking information systems. Results of audit confirm that AK BARS Bank provides high degree of security and practically excludes risk of plunder and damage of these clients using payment cards.
IT projects in the AK BARS Bank
Notes
- ↑ of the presentation "Experience Ak Bars Banka regarding insourcing
- ↑ : difficulties and solutions" Valeev Raphael General director Ak Bars Digital Technologies, deputy director of DIT Ak Bars Banka, June, 2018
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