Session "IT in Banks" on TAdviser SummIT on May 30, 2018
Within the TAdviser SummIT conference which took place on May 30, 2018 in Moscow and brought together in total more than 600 participants work of the section "IT in Banks" was organized. Representatives of financial institutions and suppliers of IT solutions discussed key trends and specifics of digitalization in the bank industry of Russia.
Experience of customers, opinions of experts
The digital bank should develop with a speed of the changes happening around. The flexibility which is created by Agile-culture is necessary for maintenance of the innovation rhythm. Such approach, providing an exit of releases each 2 weeks, allows to implement necessary new products taking into account strong volatility the market in investment banking.
Mikhail Lukyanov, the project director of department of risks of CIB, Sberbank, explained that investment business – the type of activity, separate of the core banking business, which is characterized by the high speed of transactions. Also it is most subject to high variability of the markets and influence of international policy, owing to need to offer clients products in the different countries and jurisdictions. Supporting this business which is gradually leaving single difficult transactions to mass character, technologies are algorithms of fast data processing (online) and also NoSQL of the database and so forth.
Cloud computing extends in the market more and more considerably and gets accustomed even in the banks which are earlier constrained in their relation. To their strategy the advantages associated with clouds – flexibility well answer, to speed, transparency and cost efficiency. Anton Isanin, the head of the center of quality of Alfa-Bank, explains that first of all the private cloud for test environments is used (for example, development, QA, R&D and prototypes and also office infrastructure). In the closest plans of Alpha - transition to a private cloud for industrial environments. For full-fledged attention of financial institutions to SaaS or PaaS services need to create at first in them the culture of use of clouds.
One of trends – creation of financial technical-startups in banks – they are used as the internal technology "sandboxes" for creation of new financial services adding to client experience. Banks can select startups for similar initiatives from RVC or Skolkovo. According to Grigory Leshchenko, the director of investments, Skolkovo Ventures, for today financial that is provided by 39 companies with total sales of 2 billion rubles to Skolkovo 7 of them were included in the top ten Fintech of the companies of Russia according to Deloitte. The main directions of their development are payment systems, management of personal finance and digital bank, machine learning, artificial intelligence and scoring, management of loyalty and a blockchain.
Customer Centricity, personalisation of the offer and also mobility – key components of the relevant concept of digital bank. Acceleration of development of mobile technologies in Chatbank is supported by the RBS platform of Sovcombank - AB Platform, with own development environment, a server core and architecture of the interface, Andrey Bukhtiyarov, the founder and the chief developer of Chatbank Internet bank from Sovcombank told. From creation of own platform and development of own RBS in bank digitalization process was also started few years ago.
At the Chatbank of WEB application more than 1 million clients, with a growth approximately on 5 thousand new clients a day. The used Mobile Light technology allowed to provide the high speed of development. At the same time there are no restrictions in use of iron properties of phone - it is the native application which "broadcasts" to the user all functions of big "WEB".
Smart scoring increases efficiency of microfinancial business, allowing to estimate almost instantly and precisely borrowers, Alexander Shestakov, the head of group of technical automation & PR director, Kviku (IFC of "Airloans") told. Online the credit Kvik platform provides services through partnership B2B – the additional payment method "Is posted on the websites of shops buy on credit", and in the nearest future the virtual map of this player can use also in offline stores.
The scoring system automatically makes decisions on release of virtual cards – daily the company issues more than 2000 virtual cards (about 20% of number of all incoming requisitions). Thanks to individual scoring approach it is possible to provide one of the lowest levels of delay in the market of IFI (13-15% on primary and 9% on repeated clients).
Didzhitalizirovatsya to provide a full path of the client online – a new strategic task of bank, Igor Dmitriyev, the chief of the department of development of remote services, department of digital services DeltaCredit told. On the online way push first of all customer needs – by estimates of bank, mortgage borrowers "look younger" more and more considerably (today even more often address for a mortgage at the age of 25 years). In the long term it is about a marketplace where it is possible to pick up online not only housing and a mortgage, but also interior design, and purchase of furniture and also to receive tax deduction. The digital format provides instant obtaining the credit solution, with an opportunity at once to learn the exact amount of preliminary approval.
The office for partners of bank is in parallel started (real estate agencies, private realtors, builders, partner banks) which allows to save significantly time on information search, quickly keeping track of the relevant status of the requests directed through LK.
The broken-off client experience between B2B and B2C remains a problem so far – and now there is its alignment. In particular, B2C services are made now and for partners, for gain of sales and cost optimization.
Players of the market: trends and solutions
The Russian banks develop in a global trend of digitalization, advancing remote channels of service, increasing internal efficiency and accelerating start of new services, participants of TAdviser SummIT confirm.
For the purpose of performance improvement of processes many banks go the way simplifications of an IT landscape, at the same time ensuring business continuity remains the main task. To the user availability of services and business applications, but not separate components is important, Alexey Skladchikov, the head of development of IT infrastructure, ICL Services noted. Transition of banks to service model regarding IT allows to estimate more precisely investments into infrastructure and it is better to manage qualitative indexes.
Application Performance Manager reflects including influence of IT services on business. It helps to create new KPI of performance and availability and provides finally new data for new solutions, Skladchikov noted. So, IT department of bank has a search capability of bottlenecks in IT infrastructure – for example, it is possible to find using an automated workplace the "heavy" code or a request in the application and to send back it for revision. And the main thing – to provide confidence that all business and critical applications are available.
In Russia rather big share of cash flow still remains. In parallel anti-money laundering becomes tougher – banks should provide fulfillment of requirements 115-FZ "About counteraction of legalization (washing) of income gained in the criminal way and to terrorism financing". For simplification of this process in the market a set of solutions in the field of automatic check of partners was created, however their development is not always in time behind legislative changes, and the low accuracy of checks increases costs of banks, Olga Smirnova, the head of project office "SKB Kontur" commented.
According to her, today ensuring faster check becomes competitive advantage for bank, allowing to increase the customer base quicker. Speed and quality in case of SKB Kontur service is reached due to intellectual scoring which includes more than 50 risk factors indicating signs of conducting unreliable economic activity. Scoring can be configured depending on the level of tolerance of specific bank to risks. It relies on an expanded range of data sources – both the open, and closed sources, internal lists of banks and also data which are saved up according to the customer base of SKB Kontur which, at the received consent of clients, can be used for reliability assessment are used.
For effective implementation of digital bank it is necessary to solve the problems focused on client experience and also on implementation of the innovations maintaining loyalty. Can influence customer service of bank, including, activity on social networks, Alexander Sergienko, the chief executive of Innodata company considers. According to him, social media become their to one the major and quickly developing channels of user support, and accumulation of history of interaction will allow to find further personal approach to each client. So, using a special monitoring system and the analysis of content of social networks it is possible not just to collect from open sources of opinion on the company, but also to receive their automatically defined coloring, to reveal unevident trends and problem places, to predict effects.
The vast majority of Banks of Russia already automated, to some extent, the key directions of business, however the quality and functionality of the used solutions regularly cause complaints. The innovation of a product reflecting perspective technology trends can stimulate to migration as rather low price of a new solution (including, the cost of its implementation and TSO), and. Both of these factors stimulate growth of the market of the market of the hyper convergent systems - for 35-50% annually, Vladimir Rubanov, the managing director of Rosplatforma considers. According to him, advantage of the solutions HCI for the Russian banks – in a possibility of cost reduction (by 1.5-2 times), ensuring independence of producers of iron and also scalability, fault tolerance and performance due to parallel transactions on multiple nodes.
In new conditions of development of economy of HCI allow to migrate also quickly not only from expensive, but also with sanktsionno - "dangerous" solutions, Rubanov noted. Rosplatforma offers in the latter case "sovereign" software, considering as technologies of the international leaders transferred with complete source codes and the rights to further independent development and the components and own local developments finished by Open Source.
Against the background of a general didzhitalization banking applications evolve. Their transformation is also influenced by innovations of mobility, multichannel retail, client analytics and so forth. An essential share of industry members (up to 50%, by estimates of TAdviser) use for problems of digitalization self-written software. Most banks note that they do not find suitable "turnkey" solution in the market. At the same time many see a source of competitive advantage in such IT solutions owing to what strengthen internal development.
As Lina Chudnova told, the head automation of production processes of Neoflex, a typical set of tasks by development of systems turns on providing a uniform ecosystem and rules, build automation and deployments of new versions and updates, support of a possibility of transfer of changes between Wednesdays without additional settings and a good covering with the automated testing. All this is necessary for acceleration of terms of removal of products and services on the market (time to market), and can be provided with means of IT.
Automation of all layers of DevOps-processes allows customers banks to focus on target tasks of the projects, saving resources on design of infrastructure solutions, process automation and so forth, Chudnova says. Provides the continuity of delivery and high speed of development acquired Neoflex of practice of DevOps - in particular, on this platform microservice development in the largest Vietnamese bank is supported.
Than more banking business goes to the digital plane, especially the new ideas for development of remote service and also generation of an apseyl and cross-sellings and so forth are demanded. The amplifying leaving trend from mass service to target individual was noted by Alexey Florinsky, the deputy CEO of SimbirSoft. According to him, RBS of new generation integrates a format of remote service with convenient instruments of self-service, automatic individual scoring, automation of transactions and also UX/UI as competitive advantage.
According to the Central Bank of the Russian Federation, for the last three years of investment into financial that in the country grew four times. Unlike the West, here this segment develops at the expense of several large players — Sberbank, Tinkoff, Alfa-Bank. So, for example, Sberbank as the leader of investment activity purchased lately projects of VisionLabs (a cloud service for recognition and the analysis of persons), Platius (a loyalty system and mobile payments), Segmento (RuTarget is data processing about a customer behavior), DocDoc (service of record to doctors in commercial clinics of Russia). Or Tinkoff bank opened the center for studying of a blockchain in Skolkovo recently.
The presentations of reports from a session "IT in Banks" are available in the section Program here.
О TAdviser SummIT
The TAdviser SummIT conference took place in Moscow on May 30, 2018 year and attracted more than 600 participants. Increase in business performance and the state using digital technologies became principal themes of an action. Representatives of large customer companies and a public sector provided the best practices of use of IT in the organizations, and suppliers of IT solutions – the new developments. Within a plenary part and five thematic sections more than 60 reports and public discussions were heard. The action took place in 5 Digital October halls.
Photo gallery of TAdviser SummIT 2018
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