Online AK BARS

Main article: Mobile applications

The AK BARS of Online is Internet bank for individuals.

2020

Increase twice speeds of operation of application

Ak Bars Bank updated mobile application for business on the basis of the solution Digital2Business Mobile of the company BSS what the last announced on October 7, 2020. It is the full-fledged mobile office working at platforms iOS and Android. This application received all necessary functionality allowing clients from SP to heads of the companies quickly and to comfortably solve the daily business challenges, using only smartphone.

Among the main changes the speed of operation of application increased twice, the improved design and the simplified navigation that in general allows to work in mobile bank easier, quicker, more effectively.

The importance is given to security. In the application the wired program PayControl allowing to sign transactions directly in the smartphone without SMS. The mobile bank supports such methods of identification as recognition on the person and a fingerprint. If in the smartphone there is a technical capability of recognition on a voice, the application will be able to use also it. The forgotten password can be recovered easily by the code from the SMS. Will help to save a goodwill and avoid errors in the choice of the partner the built-in service of check of the partner.

During creation of Digital2Business Mobile work on studying and use of the international and Russian experience of development of mobile banking was carried out serious R&D. The main attention is paid to functionality, design, simplicity and convenience of work. Key user scenarios underwent audit of the consulting agency Markswebb. It allowed to use most fully in the BSS mobile solution the best practices of leaders of the banking market.

Adding of authorization on a voice

On October 2, 2020 Ak Bars Bank announced updating of mobile application for business.

List of the main changes:

• Clear and intuitive design thanks to what it is simple to work in the application;
• Speed of work of mobile application at least is twice higher now, than at the predecessor;
• Navigation became simpler and the section of payments is reorganized;
• Process of an input became more advanced - to recognition on the person, a fingerprint.
• Recovery of the password by the code from the SMS;
• The PayControl tool is embedded in the application. It allows to sign transactions directly in the smartphone without SMS;

For October 2, 2020 the application is available only to owners of phones on a system Android.

The navigation bar in the lower part of the screen allows to pass to creation quickly payment orders, to the menu and services. Users of the application can select one of three languages: Russian, Tatar or English.

On the main screen the cumulative account balance in one currency is visible.

The built-in service of check will help to avoid errors in the choice of the partner partner. Service will show responses about the partner, his financial status and cumulative result of official checks.

When choosing the partner or a VAT rate a system will offer suitable options. And still the payment order it is possible import or create on the basis of a photo or the scan of the account.

For formation of templates and notifications of the partner on payment it is enough to deliver a checkbox in the corresponding field.

The application will show a payment status: "for the signature", "in processing", "rejected". The list of transactions is presented in the form "infinite skrolla".

It is possible not only to create, download or send the account statement through any the available channel but also to configure thanks to the filter.

It is possible to contact bank in one click: having pressed the Call back button or 'Letter to bank'.

Start of biometric identification

On April 20, 2020 the company Ak Bars Bank announced start biometric identification in mobile application "the Ak Bars Online". Now owners of devices based on operating system Android using biometric data can become clients bank and receive financial services and products without visit of department.

According to the company, remote biometric identification is available to the citizens who handed over the data in a Single biometric system as which operator Rostelecom acts. Clients can issue remotely the loan application, open the virtual card or order the card on the physical medium which will be brought by the courier.

The Ak Bars Bank aims to be closer to the clients and for their convenience implements and develops online services and products. Now to become the client of bank and it is possible to receive financial services without leaving the house that is especially important in the conditions of the self-isolation mode. Merab Gogichaty, the vice chairman of the board told the Ak Bars of Bank

The procedure of remote opening of the account using biometrics takes no more than five minutes. To become the client of bank, it is necessary to download mobile applications "the Ak Bars Online" and Biometrics from Rostelecom. Having authorized in the Biometrics application using an account of the portal of state services, the user should pass into "the Ak Bars Online", enter the phone number and confirm it with the code from SMS. After verification in a Single biometric system, the client signs the agreement of complex bank service using the code from SMS and the Ak Bars of Bank can use services without leaving the house. The Ak Bars Bank became vendor of a Single biometric system in 2018. To the middle of April, 2020 in a system more than 130 thousand citizens of Russia were registered. It is possible hand over biometric data — a sample of a voice and the image of the person in 160 departments the Ak Bars of Bank or 13.5 thousand other departments of banks across all Russia. After the citizen is registered on the portal of state services, will hand over data in bank department and will undergo remote biometric identification, he will be able to receive banking services far off.

2019

Start of transfers by the QR code

On September 19, 2019 Ak Bars Bank announced start of transfers by the QR code within the System of fast payments. The Ak Bars Creation charitable foundation became the first client. The bank for September, 2019 tested sending and acceptance of payments using static and dynamic QR codes and conducts negotiations with several online and offline stores which it is going to connect to a system.

For September, 2019 payment on SBP is available to a pilot user group, further the bank will expand function on all clients in mobile application the Ak Bars Online. It is possible to take advantage of service in outlets which were already connected to a system. For individuals transfers by the QR code free, and for legal entities the bank will enter the commission after two months of the pilot.

We do not expect the explosive growth of C2B-transfers as clients know about service few. But over time outlets will begin to be connected to a system, the commission in 0.7% is much cheaper than the cost of classical acquiring in the amount of 2.0-2.5% and purchase of expensive POS terminals. Using bonuses and discounts retailers will push the clients to pay off on SBP, noted the head of acquiring and e-commerce the Ak Bars of Ilnaz Sitdikov Bank

The expert also assumed that within half a year the largest grocery chains and shops of the equipment will be connected to a system. However service will be more popular in online shopping because the most susceptible use it to modern technologies clients aged from 18 up to 40 years. With a certain motivation from retailers buyers will be ready to pay goods and services in SBP.

Experience of start of C2C-transfers showed that the cycle of implementation of this technology was reduced to several months, and money turnover on SBP quickly grows. For example, the volume of such transactions in the Ak Bars Bank in 6 months was 250 million rubles, and the number of the entering and outgoing transactions exceeded 33 thousand.

Start of services for self-employed

On April 18, 2019 the Ak Bars Bank company reported that it started mobile services for self-employed in the application Ak Bars Online.

According to the company, clients can select Ak Bars Bank as the partner for interaction with FTS if they were already registered as self-employed. For this purpose it is not necessary to visit bank department and tax administration.

Clients can quickly note all professional activity revenues in the application, and at the same time it is not necessary to link any specific card to a system. If self-employed received payment not on the card, and otherwise, for example, cash, then the necessary amount can be added manually in the section "My sales".

For all income in the application it is possible to create the check and to send it to clients by any convenient method: using the messenger or by mail. Previously self-employed selects for whom — physical person or legal entity — it is necessary to create the check. If it was created by mistake or the client had to return money, then the check can be cancelled.

In the nearest future Ak Bars Bank will provide some more convenient functions. In mobile application clients will be able to be registered as self-employed and to pay the accrued taxes. For this purpose they should not submit tax declarations and to prepare accounting records. Directly in the application clients will see the amount of the accrued tax and will be able to pay it using any card of bank.

• All development cycle, since UX/UI finishing with integration logic with services of push-notifications Apple and Google, inhouse ABTsT is executed.
• The modular structure mobile and web applications of the application, microservice approach in implementation of a backend allows to work to 6 product commands with the minimum influence at each other
• The built-in module A/B of testing for all frontal channels.
• The doubled indicator of the cumulative index of a usability in comparison with the vendor solution, growth of an indicator of deduction by 1.5 times.

2018

Opportunities Online AK BARS

'Possibilities of Internet bank as of July, 2018:

• Access to the accounts, cards (including closed) and to the credits
• Transfers between the cards and accounts
• Transfers to someone else's cards and accounts
• Opening of deposits / current accounts
• Payment of services of cellular communication, TV, Internet
• Payment of services of housing and public utilities, penalties and kindergartens
• Blocking and unblocking of cards
• Repayment of the credits
• Replenishment of the transport card
• Contributions to AK BARS Creation charitable foundation
• Other payment types
• Templates of often registered payments
• Setup of restrictions on cards
• Currency exchange
• Autopayments

Integration into mobile bank of "a chat with the broker"

On July 31, 2018 AK BARS Bank reported that the Ak Bars Online 3.0 is integrated into mobile application service "chat with the broker" – dialog about online by the consultant in the field of broker service and investments. Using dialogue banking clients can open broker and individual investment accounts and also get advice on formation of an investment portfolio.

The chat represents the platform dialogue online based on own development of bank – Aimee. Users are answered by employees of the bank, but with assistance of the module of the complemented intelligence. The program is self-trained. During some time a system analyzes as employees in a chat answer and reveals the most popular answers. Through some time the algorithm in certain cases answers independently. Aydar Mukhametzyanov, director of directorate of investment business Ak Bars of Bank

Ak Bars Online

The neural network analyzes financial history of the client by different parameters – account balances, transaction activity, style of accumulation and expenditure. Such research allows to offer a better investment strategy. Further a system it is going to teach to calculate successful transactions which led to satisfaction of clients, to compare to other similar profiles and to offer the user suitable options of investments. Yaroslav Shuvayev, head R&D Ak Bars Tsifrovye Tekhnologii