| Customers: Sberbank Moscow; Financial Services, Investments and Auditing Contractors: Sberbank-Technologies (SberTech) Project date: 2015/04 - 2021/12
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In Sberbank mean the universal designer for creation of new business due to reuse of components and settings with the minimum volume of programming by a technology platform. In 2015 the bank began development of a new technology platform to which was going to transfer by 2020 clients and products. On a work progress the date of completion of migration was moved up and now is designated by the end of 2021.
As the platform on work with data of Sberbank Huge Data Platform is arranged
The platform consists of several architectural layers. Below there is a technology core which is responsible for basic application and technical services. The following layer is the factory of data which is urged to raise the quality level, reliability and data availability for the analysis.
Big layer are product factories of Sberbank. Here the credits, deposits, other traditional products enter. But at the same time the bank develops new difficult products, for example, a combination from insurance and credit products.
"Brain" of the new platform is the business hub. Here new solutions which give the chance flexibly to configure processes are developed. In the center of a business hub – a uniform profile of the client. For creation of the best client experience the single frontal system which is responsible for customer interaction and partners is created.
Within creation of the new platform more than 500 projects are implemented. The main programs which Sberbank selected for itself as strategic are:
The business challenges solved by Factory of Data
- Management reporting in real time
- Regulatory and tax statements
- Mass personalisation, secondary sales, AML
- Transaction scoring of AI in consumer crediting
- Package execution of models, graph platform, check of hypotheses
- Receiving a uniform picture of quality of data at the level of Group
History of creation and development
2020
Gref told about migration of Sberbank on a new technology platform
In 2019 Sberbank started a new technology platform and began gradual transfer on her of the product lines, the chairman of the board of Sberbank German Gref told at the end of February, 2020 during the conference call devoted to discussion of financial results 4 quarters of the 2019th.
Gref emphasized that this platform is crucial for business of Sberbank and is a crucial element of transformation of bank into the technology company. It allows product commands much quicker to bring new services to the market, note in Sberbank.
As of the end of February more than a half of the systems of Sberbank works at two platforms – on new and on old. By the end of 2021 it is going to transfer with old to a new technology platform about 80% of services of bank.
 | While there is a migration, both platforms work for us to ensure safety, reliability and accuracy of client data and also smooth operation. Of course, it affects our IT budget, but we are sure that IT transformation is vital for our future. Each ruble invested in IT now will bring generation of revenue in the future, - German Gref noted. |  |
The new technical platform is a crucial element, including, for creation ecosystems of non-bank products and services which takes the important place in business development of Sberbank. In the system of bank about two tens such companies, including SberMarket – delivery service of products on the house and in office, SberFood – service for a visit of restaurants, Sber of solution - services outsourcing business processes and many others. Tools of the platform allow to be connected to these companies and to integrate their products and services with main products of bank.
| | Without such platform it is impossible to construct an ecosystem. And in case of Sberbank, I think, we have a good, advanced platform. We – the only company in the country who has like that, - German Gref said. | |
The head of Sberbank, however, added that here it would be possible to speak also about "Yandex", but, according to him, the platform of "Yandex" has less elements, than at Sberbank: "their platform specific and local, it not such comprehensive and universal", is given Gref's assessment in interpretation of a call.
Among remarkable characteristics of the new technical platform of Sberbank German Gref selected that product development on it requires 50% less code. Also, according to him, it provides a possibility of parallel operation of hundreds, and even thousands of programming teams. According to Gref, as of the end of February in Sberbank more than 2.5 thousand development teams work in parallel.
As well as in a case with some other the developments, Sberbank considers the possibility of use of a new technology platform not only for internal needs, but also offers to its market. The head of Sberbank believes that some elements of the platform could be sold to small banks.
| | I am not sure that we will be able to sell it to our largest competitors, but we could sell to some small banks platform elements, - the head of Sberbank noted during a conference call. | |
Use of technologies of Sberbank in the digital platform of the state
Technologies of Sberbank will apply in creation of the digital platform of the state. Such statement was made by the prime minister Mikhail Mishustin during the meeting with the head of Sberbank German Gref. [1]
According to German Gref after Sberbank completes creation of own digital platform, the organization will enter new financial and non-financial services. As the second priority direction the head of Sberbank designated the help to regions in construction of digital platforms. Read more here.
2019: Sberbank will share technologies of the platform with the Government of Moscow
Sberbank decided to share the technology of development of services with the Government of Moscow to accelerate and reduce the price of process of creation of services for Muscovites, reported RBC in December, 2019[2]. According to the edition if testing takes place successfully, then the parties will sign the commercial agreement.
In November Sberbank together with structure of Moscow registered Digital Platform Solutions company: 50.1% belong to "subsidiary" of bank — Tsifrovye aktivy LLC, other 49.9% — at city JSC Elektronnaya Moskva. The former deputy administrator of the department of information technologies (DIT) of Moscow Andrey Borodin heads the company, follows from data of the USRLE.
"Digital platform solutions" is a platform on which any services focused both on inhabitants and business and on officials for automation of their activity will be implemented, reported RBC in DIT. About what services there is a speech and other details of the project in department were not disclosed. Now these services are created using the different programs which are not connected among themselves explained in DIT.
For Sberbank it is the first experience of providing the IT platform as technology to third parties. In case of successful testing the bank is going to render this service on a commercial basis, tells the source of RBC close to the project.
2017: Intermediate results of creation of a new technology platform
In the annual report for 2017 Sberbank reported on development of the new technology platform. As of the middle of 2018 operations on the new platform are performed in the pilot mode, said in the report of Sberbank. Some time old and new platforms will work in parallel. It will allow imperceptibly for clients and without loss for bank to pass many stages of difficult migrations.
| | By a present situation we created a basis of a technology platform: completed the formation technology a component of a core and created building tools of business services which belong to a business hub. Now we move in several directions at once including because big scales of our business require many efforts and time for implementation of changes, - Sberbank in the annual report notes. | |
Single frontal system
In 2017 the new version of the EFS 7.0 platform with higher level of reliability and performance due to support of the mode of deployment in multibank architecture and the Stand-In mode providing increase in fault tolerance and seamless updating of functional subsystems of the platform was developed.
Also mass implementation of new target development process of EFS using "work benches of development was begun. Sberbank explains that it will allow one command to implement solutions for all channels, as much as possible to pereispolzovat already implemented objects and services, to reduce number of errors due to auto-generation of standard functional units and also to reduce time of training of new employees.
The expected effect of implementation of target development process of EFS – reduction of volume of manual development twice.
Practicians of DevOps were implemented for all EFS applications. Use of DevOps reduces time for updating of applications and allows to avoid errors of manual installation of parameters. The code covering automatic modular tests reached 80% that led to decrease in quantity of errors on a test stage twice, Sberbank states.
Besides, in 2017 the bank defined the quality standard of the EFS platform. Its accomplishment is controlled on 12 metrics. Use of the standard cut quantity of errors on a test stage by half and allowed to achieve that 50% of errors are eliminated within 8 hours.
Platform of support of business
In 2017 improvement of internal processes of work of the platform of support of business was carried out. For example, the cluster of the platform was expanded on 160 nodes that it provides data storage in the geodistributed mode. Also in the platform the mechanism of fault tolerance and reliability was implemented, recovery of its working capacity without data loss in case of an incident is provided, the interface of integration with Factory of data, the technology and basic application services of a core of the platform necessary for product factories are implemented, application development tools are expanded.
End-to-end process of DevOps is applied on a technology core of the platform, basic platform services, the client module and the module "Transfers of PPRB".
Among changes which happened in a platform business hub - key services "Uniform Profile of the Client of Physical Persons and Legal Entities (EPFYuL)", "Uniform Product Catalog and Rates", "Dynamic Pricing", "Service packages", "Access Control to Data of the Client", "Online Compliance Control" were implemented. Also Sberbank implemented decision making process using machine learning and artificial intelligence.
One of platform components - product factories. In 2017 Sberbank brought into commercial operation factories "Trade Acquiring", "Trade Financing and Documentary Operations", functionality of Zalogi factory on mortgage objects (the real estate, the equipment and transport, goods in turnover, cars) and completed the circulation of functionality of maintaining agreements of acquiring, trade and service points and POS terminals. The bank brought several product factories into trial operation.
Factory of data
In 2017 the key systems "Factories of Data" for work with Big Data on Hadoop technologies – Cloud of Data and Laboratory of Data were implemented and put into commercial operation. To the middle of 2018 into "A cloud of data" information from 34 systems containing data from internal and external sources is loaded. In 2017 on the basis of the data coming to Cloud the first show-windows with information on physical persons and legal entities were created. Show-windows represent data warehouse cuts in the directions.
Also the first data domains of the Uniform Semantic Layer (USL) of Factory of data were created.
| | By 2020 we are going to provide receipt in Cloud of all data demanded by consumers, to output all data, necessary for business, in a format of show-windows and to complete creation of ESS, - Sberbank in the annual report notes. | |
Based on Laboratory of data experiments and researches of data, including on creation of infrastructure for work with data science as the models using methods of intelligent data analysis are conducted. The bank calculates that this work will allow to support implementation of its initiatives in the field of artificial intelligence.
Notes
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