The innovation laboratories of Sberbank
2019: The robot courier, VR for collectors, the digital avatar and other innovations developed in laboratories of Sberbank
In the annual report published in March, 2020, Sberbank summed up the results of the second year of work of the innovation laboratories. In their 2019 it became two more due to emergence of laboratories of neurosciences and behavior of the person and also client experience and new methods of sales. Sberbank in the report does not announce results of work of these two new laboratories yet.
Laboratory of robotics
In 2019 acceptance tests of robotic section of recalculation of cash were complete, three patents, said in the report of Sberbank are taken out. The invention is aimed to treble labor productivity of the cash and collector centers at recalculation of banknotes.
In reporting year the pilot on delivery of correspondence independent office Gleb robot courier was also carried out. The Navigation-As-A-Service and Robot-As-A-Service platforms propose robotic solutions on logistics in premises.
Testing of an exoskeleton of ExoChair Mk3 within pilot implementation in the sector of logistics and accounting of documents of the archive center in Tomilino was also complete. At implementation of an invention labor productivity of staff of the archive and logistic centers will be increased, the probability of diseases of the musculoskeletal device and fatigue of employees whose work is connected with physical activities will decrease.
And within the Digital Avatar project the prototype of the solution on generation of the video image of the announcer in real time on the basis of artificial neural networks is developed. Thanks to an avatar the cost and time of production of video content falls.
Besides, in 2019 the laboratory of robotics of Sberbank and Microsoft Research began joint application studies on application of AI in industrial robotics.
Laboratory of artificial intelligence
In laboratory the AutoML library automating development of standard models of decision making was developed. The cross-platform alienable solution independently or with the minimum participation of the specialist solves a limited class of tasks in the end-2-end mode, thereby releasing resources of highly qualified specialists for the solution of difficult tasks. The library shows the efficiency corresponding to the second place in the international benchmark of OpenML.
According to Sberbank, the solution is already successfully implemented in several projects in group: identification of errors of employees, holding advertizing campaigns of different type, drawing up optimal educational track, etc.
In 2019 the laboratory created minimum viable product (MVP) of the recommendatory platform allowing to prototipirovat quickly the recommendatory systems for the different scenarios characteristic of bank and an ecosystem. Distinctive feature of this platform is high extent of reuse of its modules: even for the new scenario it will not be required to rewrite all recommendatory system from scratch. The solution formed the basis of a prototype of the recommendatory Stories system in mobile application "Sberbank Online".
Within work in the direction of intellectual management of knowledge bases new approaches to the solution of NLP tasks are applied. Four carried-out pilots are considered successful and there is a preparation for industrial application of technologies. Subjects of pilots: information "smart search" based on data of the crowdsourcing platform "Sberbank.Idea!", detection of expected duplicates of the ideas on the platform, prediction of opinion of the expert on the offer for unloading of internal moderators of the platform, the recommendation of the ideas to the user on the basis of his previous activity on the platform.
All this will allow to obtain online the interesting information and to optimum use the available resources, calculate in Sberbank.
And within the AI direction in medicine a number of successful researches on use of the AI tools for diagnostics and prediction of diseases on the basis of the analysis of diagnostic images was conducted.
Laboratory of cyber security
According to the results of activity of laboratory for 2019 4 patents for an invention and 3 patents for design were taken out. Among key developments — several prototypes of perspective solutions, said in the annual report of Sberbank. So, through counteraction to cyberfraud the prototype of "aggressive honeypot" (trap) on Android farm is developed for acceleration of identification of new types of the malware intended for plunders through mobile bank client. The algorithm of identification of cases of social engineering with connection of phone of the swindler via the ATM/terminal was still created. Both solutions are put into operation, works on their improvement and setup are continued.
Through the Center of cyber defense the prototype of the solution of the class Breach and Attack Simulation (cracking and simulation of the attack) is developed for robotization of process of simulation of different types of the attacks to bank. Practices are transferred for implementation in the form of the separate module to the platform of the analysis of threats.
In laboratory it was also developed and tested together with department of technical means of protection of the Moscow bank and The Bank Is Near division of a MVP system of identification of aberrant behavior of video for zones of self-service 24/7. The solution is transferred to management of complex security of Sberbank for embedding to the created platform of video analytics of bank.
VR/AR laboratory
In 2019 development of the main functionality of the tactical VR exercise machine allowing to hold a training of collectors in the remote mode was finished. The exercise machine was tested at firing competitions between territorial banks in which collectors and security guards took part. This solution was put on implementation into commercial operation.
And together with the Domklik platform pilot operation of the application for the real estate VR presentation was started, in the test mode external partners among whom there are large builders and the companies designers are connected.
In addition, the AR assistant for visually impaired people was accepted for testing of bank by the relevant division.
Laboratory blockchain
In 2019 the new version of a blockchain platform for "Sberbank of Factoring" is developed and transferred to the customer, connection of new participants is initiated. Sberbank and the Singapore multi-national exchange company Trafigura PTE within East economic forum-2019 carried out the pilot transaction with use a blockchain on discounting of receivables of supply of the West Siberian oil. The transaction is performed based on the solution created by Blockchain Laboratory using Hyperledger Fabric framework: date, the amount, transaction term, delivery scope, characteristics of goods and financial conditions were written in a blockchain.
Together with Rostec in 2019 the road map of "The system of the distributed register" which is the strategic tool designating priorities and perspectives of development of end-to-end digital technologies in the Russian Federation was developed and approved by the Government of the Russian Federation.
Robotic Process Automation (RPA) laboratory
At the expense of the platform Robotic Process Automation (RPA), allowing to create on the virtual machine of independent program robots for accomplishment of routine work, Sberbank automated 103 processes and received 2.8 million robo-hours of labor costs of effect, the annual report says. Software to estimates of Sberbank, it is equivalent to not hiring of 930 people.
The number of the processes executed by program robots in Sberbank in a year grew almost twice: for the end of 2018 of like those was 53, according to the previous annual report.
In 2019 "robot assistant" on Robotic Desktop Automation technology was implemented in trial operation. Robots help the employee to perform routine work on the personal computer, thanks to them 12 pilot processes are automated. The increase in productivity of employees in pilot processes was 27%.
Also in 2019 the cloud platform for robotization of processes of RPA PaaS (Robotic Process Automation Platform as a Service) through SberCloud was started. It allows to provide to external clients a full stroke of development and maintenance of algorithms of RPA. The client does not need preliminary investments into the equipment and the software — all necessary is provided by provider.
In addition, in 2019 in Sberbank carried out 4 pilot projects with the "reading robot" tool on Auto Named Entity Recognition technology. This tool allows to take necessary information from scans of the semi-structured and unstructured documents.
Laboratory of gamification
The laboratory developed the SberStart system for attraction and primary selection of IT specialists about the help of the geymifitsirovanny questionnaire and also the game module for the program of adaptation of new employees of the Technologies block Bootcamp.
Within creation of the platform of gamification the first module — Achievements is developed. In 2020 the laboratory is going to complement the platform with new modules: "Points", Liderborda, Quests, Skills.
Within creation of the training tools the platform is developed for top management training in relevant technologies and also a game training in work with stocks of EasyStocks for clients of bank.
2018: The first results of work
In the annual report for 2018 published in April, 2019, Sberbank told about the first results of work of the innovation laboratories created in bank at the end of 2017 and 2018. According to Sberbank, for a year of laboratory created more than 100 prototypes of solutions, a part of which are already implemented in commercial operation.
Laboratory blockchain
On the basis of blockchain technologies Sberbank developed the solution for carrying out repo transactions based on the Russian legislation and the English legal practice. The repo is a forward transaction on sale or security purchase with the obligation of the subsequent redemption or sale of their certain packet through some term.
Besides, in 2018 the solution for reconciliation of the fact of delivery of factoring transactions was translated to the Hyperledger platform and also testing of solutions for implementation of transactions with mortgages, to guarantees and letters of credit based on the MasterChain together with Fintekh association was held.
Laboratory of cyber security
Sberbank developed prototypes of AR points with biometric identification on the person for physical security, the system of the entrusted providing and exchange of digital documents for citizens of the Russian Federation, a workplace prototype a fraud analytics in VR. Sberbank could not tell TAdviser at the time of the publication as these technologies will be applied.
IoT laboratory — Internet of Things
In 2018 the prototype of "A smart barrier" allowing to perform journey and payment of the parking through Bluetooth the channel of phone was developed. Also the concept Smart VSP (VSP - department, where are provided services of financial institution) allowing to raise the security level and comfort of clients and employees and to cut down operating expenses was developed.
Laboratory of artificial intelligence
Sberbank created library of the analysis of tonality of text customer appeals using technologies of deep training and visualization and also the general library of creation and testing of the recommendatory systems. The first implementation of an algorithm of the meta-training significantly accelerating and simplifying development of standard models was developed.
Besides, new methods of interpretation of neural networks are developed, researches of use of the AI tools in medicine are started.
Laboratory of virtual and augmented reality
The prototype of the virtual assistant using technologies of augmented reality was developed, development of the VR exercise machine for remote training and the VR platform of the presentation of the real estate is initiated.
Laboratory of gamification
Sberbank developed the system of game achievements of the employees increasing performance to 50%, said in the annual report of bank. The new system of levels for the loyalty program "Sberbank Thanks" and also a concept of development, motivation and training of employees for an intelligent system of management of bank is developed. In addition, the prototype for training of young people of generation Z in a game at the stock market is started.
Laboratory of robotics
Sberbank developed, patented and started testing of robotic section of recalculation of cash. The bank says that feature of its implementation is the joint activity of the robot and the person allowing to increase labor productivity three times. Besides, experimental delivery of bank values using the unmanned aerial vehicle was carried out.
The laboratory of robotics conducts own researches in logistic and personal robotics, integrating new hardware solutions with opportunities of the systems of artificial intelligence developed in Sberbank.
Laboratory of robotization of processes
In Sberbank for the end of 2018 on 53 processes program robots functioned, from them 30 processed 100% of industrial volume of transactions, and on 23 processes 50–80% of industrial volume were processed. Speed of separate client processes due to robotization grew at 4-10 times, claim in Sberbank. In bank the competence from 200 experts in robotization of processes was created.
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