VTB Bank (Java)

2021

Completion of the 600 Days program

In October 2021 bank VTB , he completed the implementation of the 600 Days program, a strategic business project aimed at accelerating the development and digitalization of customer experience. Based on the results of this project, VTB created a unique microservice omnikanalny platform that made it possible to build new credit pipelines and completely change the processes for issuing retail and corporate loans. The team "LANIT - Bi Pi Em" took part in the development of new digital products "Express Credit Online" and "Pre-approved credit in one click online."

Project Implementation

LANIT "Bi Pi Em" participated in the development and implementation of a process automation solution credit that corresponded to the architecture of VTB's new digital platform, focused on the development of microservices built on the basis of open technologies. The platform for process automation and decision-making was selected. Camunda Joint work on the creation of digital products began in June 2020, after 6 months the MVPs of each were put industrial into operation, and in January the bank issued the first cash to customers.

At the second stage, the LANIT-Bi Pi Em team together with bank employees participated in the development of banking products: increasing limits, expanding the coverage of customers to whom they are provided, withdrawing the online product "Pre-approved overdraft online" without the need to visit bank branches.

"The project was one of the first in the framework of the ambitious development program of VTB Bank '600 days'. We needed to focus on the new microservice architecture of the banking platform. Also within the framework of the program, we took part in a serious revision of the approach to business processes. The bank decided to abandon the previously used Waterfall approach in the development, formed Agile teams, which included employees of LANIT - Bi Pi Em, "said Igor Pototsky, general director of LANIT - Bi Pi Em.

Project Results

VTB Bank's portfolio was replenished with new loan products for corporate customers: they got the opportunity to issue an express loan in the amount of up to 10 million rubles and a pre-approved loan in the amount of up to 4 million rubles without visiting the bank's offices. At the same time, the decision-making period does not exceed 5 minutes, and money is received by customers' accounts already 24 hours after the issuance of the credit application.

"When choosing project performers, we focused primarily on competencies in the field of automation of financial processes. The company LANIT - Bi Pi Em has become a participant in the 600 Days program, as it is an expert in automating financial processes, creating credit pipelines and has dozens of successfully implemented projects, "said Pavel Dermenkov, deputy head of the VTB Corporate Business Development Department.

Earlier, LANIT - Bi Pi Em and VTB Bank jointly implemented a project to automate credit pipelines for the upper segment of the Middle Business. The work under the 600 Days program was a continuation of cooperation aimed at further digitalization of VTB.

Solution Designer

Participation in the creation of automatic generation of a loan decision for the authorized body of the bank within the framework of the "600 days" program.

Project Results:

• Implemented MVP product.
• The authorized body of the bank was able to quickly make decisions on loans, based on an automatic brief on the essence of the loan and its conditions.

Pre-Approved Offers (PACL)

Participation in the creation of a new digital product - pre-approved offers - as part of the 600 Days program.

Project Results:

• The process of granting a loan to individual entrepreneurs and legal entities up to 4 million rubles is automated. The decision is made up to 5 mines, issuance is carried out within 24 hours.
• Preparation of pre-approved proposals using artificial intelligence technologies.
• MVP product developed in 6 months.
• Put into industrial operation immediately throughout the country.
• Since the beginning of 2021, more than 10,000 loans have been issued.

Express credits

Participation in the creation of a new digital product for express lending under the "600 days" program.

Project Results:

• The process of granting a loan to individual entrepreneurs and legal entities up to 10 million rubles is automated. The decision is made up to 5 mines, issuance is carried out within 24 hours.
• MVP product developed in 6 months.
• Put into industrial operation immediately throughout the country.