Sberbank of the Russian Federation (IBM WebSphere)

The Neoflex company completed the project executed for Sberbank of Russia within the Credit Factory project.

The purpose of creation of a scoring system – partially to automate assessment of the potential borrower (the speech only about natural persons) and making decision on whether it is worth issuing it the credit.

Technologies and contractors in the project

A competition at the choice of the contractor was held in 2008. Four companies participated in it. Information on the potential borrower comes, including, and from external sources - the bureau of credit histories (BCH), etc. Also implemented by software transfers then information, necessary for signing of the contract, to the accounting systems of territorial banks. Directly the implemented solution Experian is responsible for acceptance and consideration of credit requests. In the central office (CO) of Sberbank the solution of Neoflex (contractor) on the IBM WebSphere Process Server platform, in territorial banks - on IBM WebSphere ESB is deployed. For communication between them development answers IBM WebSphere MQ. The equipment and software licenses were delivered by other contractors.

To an essence

The integration solution is deployed in 18 territorial banks of Sberbank. It provides data collection, potential borrowers, necessary for assessment of solvency, and also transfer to the accounting systems of territorial banks of information necessary for the conclusion of loan agreements.

Tasks

The Neoflex company was faced by a task: develop and implement the solution automating data collection (from the systems of bank and partners) which necessary for making decision on issuance of credit, and transfer to the accounting systems of territorial banks of information on the approved credit requests.

Implementation

The project is executed within one and a half years.

The solution developed by Neoflex includes the solution "center" functioning in central office of Sberbank of Russia and the local solutions operating in territorial banks. For project implementation the IBM WebSphere platform is used. Data exchange between central and local parts of the solution is executed by the transport system organized through IBM WebSphere MQ. Data collection from different information channels and processing for preparation of decision-making is performed by the product Transact SM.

Stages

Implementation was executed in three stages:

• in July, 2009 - the first stage within which it was launched in commercial operation in Moscow and Northwest territorial banks;
• during the period since August until the end of 2009 - in seven terbanka of Sberbank located in the European territory of Russia;
• from February to August, 2010 inclusive - in the Altai, Baikal, East Siberian, Far East, Volga region, Siberian, Northern and Northeast territorial banks.

Costs

The contractor does not disclose financial details of the project. Sberbank did not answer a question of project cost. A source of CNews in the management of one of the large IT companies cooperating with Sberbank in response to a request of CNews to estimate costs for the similar project said that it is not so simple to make it. "As the staff of the company contractor is not so big (according to the rating of CNews100 "The Largest IT Companies of Russia 2009" in Neoflex 155 people – a comment of CNews work), most likely the contractor worked in central office of bank, - he considers. – The company specializes in integration of already existing systems so perhaps it is about creation of the gateway on WebSphere. In this case Neoflex could receive the amount calculated by hundreds of thousands of dollars for work".

The source of CNews added that for project evaluation it is important to understand with what core banking systems from working in Sberbank (CFT, Gamma, xBank, etc.) credit scoring is integrated. Neoflex did not begin to comment also on it. As for number of the employees working at the project, it changed depending on a stage: on average about 10 people, as much as possible to 15.

About the test

During acceptance tests stress testing was executed. Results confirmed readiness of the solution to ensuring the parameters of performance, peak load and fault tolerance required by the customer.

Customer

"The solution is found in commercial operation and shows steady, stable work, – Irina Kremleva, the associate director of department of risks of Sberbank of Russia notes. – Today it provides processing of several tens of thousands requests a day".

Integrator

The project had a difficult organizational and technology component, Alexey Makeev, the area director of SOA of Neoflex company notes. On project deliverables more than 250 information systems are connected to the integration solution of Credit factory in total.

Project Results

In total at Sberbank of 18 territorial banks. The number of the requests for the credits processed by a system from natural persons is calculated by tens of thousands a day, Irina Kremleva, the associate director of department of risks of Sberbank says. Now on assurance of Neoflex at submission in any of them of the application for receiving the credit the same procedure will work. Solution deployment in one territorial bank took from two weeks to 1.5 months. In the contractor say that it allows to lower waiting time the client of the answer according to the credit request from seven to two days.