Digital profile of a citizen of the Russian Federation
The digital profile of a citizen of the Russian Federation (CPU) is a collection of all data about a citizen that are at the disposal of state bodies and state information systems, as well as a collection of technical means that allow managing this data (primarily a citizen). This description is given in the CPU bill. With the help of a digital profile service, a citizen can gain centralized access to personal information stored in state information systems (GIS), use this data, provide or deny access to it. The profile allows you to have a personal archive of documents that can be opened not only on your computer, but also on mobile devices.[1]
A digital profile (or ESIA 2.0) is an expanded version of a citizen's personal account on the State Public services Portal, where information about citizens from various databases (FTS, Rosreestr, Ministry of Internal Affairs, PFR, etc.) will be stored.
The main articles are:
- Unified portal of state and municipal services of Russia, EPGU, www.gosuslugi.ru
- National Data Management System, NDMS
The Digital Profile was created and is being developed by the Ministry of Digital Development, Communications and Mass Media and the Bank of Russia. The project concept was developed at the FinTech Association site with the involvement of key participants in the financial market. The "Digital Profile" contains 30 types of records, among them passport data, address, TIN, driver's license and place of work, etc.
Digital medical profile of a citizen of the Russian Federation
Legal Entity Digital Profile
Tourist Digital Profile
2023: Use for identification in the "TSUPIS Wallet"
On July 7, 2023, UNIFIED TSUPIS proposed another channel for full identification of customers - through the Digital Profile] infrastructure. Now any citizen of Russia can undergo full identification from the bookmaker's website or in the TsUPIS Wallet using the Public services service. Read more here.
2022: Дом.РФ Bank has connected to the Digital Profile service
Bank ДОМ.РФ connected to the "Digital Profile of a Citizen," the director of the Digital division of Bank DOM said on November 11, 2022.RUSSIAN FEDERATION Oleg Komlik. This will allow the bank to receive data information about individuals contained on the service in "one window" mode, and will simplify the process of registration for customers mortgages. More details. here
2021
DIA and credit bureaus will have access to the digital profile of Russians
In December 2021, it became known about the decision of the Central Bank of the Russian Federation to open access to the digital profile of Russians to a new group of organizations for the provision of financial services.
According to the regulator in the draft of the main directions of digitalization of the financial market for the period 2022-2024, in 2022, changes will be made to the government decree of 03.06.2019 No. 710, which will allow professional securities market participants, non-state pension funds, management companies of investment funds, credit bureaus and Deposit Insurance Agency (DIA) use a digital profile to obtain reliable information about citizens.
By December 10, 2021, the digital profile operates as part of an experiment, the implementation of which is envisaged until the end of 2022 . The participants in the experiment are already credit, insurance, microfinance organizations and operators of financial platforms.
It is also planned to adopt a draft federal law No. 747513-7 "On Amendments to Certain Legislative Acts ( in terms of clarifying identification and authentication procedures)," which enshrines the legal status of a digital profile of a citizen and establishes the legislative framework for creating a digital profile of a legal entity.
The draft law provides for the possibility of obtaining , using the Unified Identification and Authentication System (ESIA), by bodies and organizations, information about individuals and legal entities contained in state, regional and municipal information systems, as well as the results of the provision of state and municipal services necessary to provide such persons with services, including financial ones.
By December 10, 2021, 19 banks and 3 insurance companies provide services using a digital profile. Citizens used these services more than 1.55 million times, the Central Bank said.[2]
Ability to obtain information using "RS-Connect. Digital Profile "
On November 17, 2021, R-Style Softlab announced the automation of bank interaction as part of obtaining information about the client from the Digital Profile. Read more here.
Interaction of microfinance organizations with citizens is organized at State Public services
The Ministry of Digital Development, Communications and Mass Media of the Russian Federation on May 26, 2021 announced that the list of financial organizations that can interact with customers through the Digital Profile service on the State Services portal has been expanded. Now the service allows users to remotely transfer information about themselves to microfinance organizations to conduct procedures for identifying and assessing credit risks when receiving online loans.
The first microfinance organizations have already passed all stages of technical connection, within the framework of which the protection of receipt channels was ensured. information Several other market participants are in the process of integrating with the service.
 | "Connecting new financial organizations to interaction within the framework of the digital profile of a citizen on State Services is another step towards the digitalization of state and financial services. The service was implemented taking into account all the necessary measures to protect information based on the infrastructure of the electronic government, which belongs to the state. It is important that any transfer of information from state sources to commercial organizations to receive services is carried out exclusively with the consent of the user, "said Russian Deputy Head of the Ministry of Digital Development Dmitry Oguryaev. |  |
| | "The great interest of microfinance organizations in the service is due to the desire to improve their internal procedures and improve the quality of the services provided, making them accessible, convenient and safe for consumers," said Vladimir Chistyukhin, Deputy Governor of the Bank of Russia. "Therefore, we support the further development of financial technologies in this market segment." | |
In the future, the project will be expanded to all credit and microfinance organizations, as well as supplemented with new information. The list of available information is constantly expanding.
Ministry of Digital Development has defined scenarios for using a citizen's digital profile
At the end of February 2021, the Ministry of Digital Development of the Russian Federation published on its website a methodological recommendation on the use of the digital profile infrastructure of a citizen. The basic scenarios for using the technology, which are described in the document, included:
- requesting user consents to access their information;
- obtaining by the information systems of the participants in the experiment data from the registers stored in the digital profile;
- notifying the digital profile of changes in registers stored in such a profile by the experiment participant.
The methodological document defines a digital profile as all digital records of a citizen in state information systems (GIS), while the digital profile infrastructure is based on a unified identification and authentication system (ESIA).
The materials on the Ministry of Digital Development website say that one of the functions of the digital profile is to provide information about a citizen contained in the ESIA or GIS, interacting with the ESIA through a unified system of interdepartmental electronic interaction (CMEV), with his consent to third parties in the interests of the citizen himself (for example, providing the bank with verified information necessary to fill out a credit application). In this case, the interaction of a citizen with a digital profile consists solely in confirming the consent to provide information to the organization that requested access to this information through the profile infrastructure. User consent scenarios are available online and offline.
To gain access to user data, IT systems must obtain consent from him to perform certain actions with this data for certain purposes for the requested period. Consent request is possible only for users with a confirmed ESIA account.[3]
2020
3.5 million consents for the provision of various information are given for the year of operation of the digital profile
On May 20, 2021, the Ministry of Digital Development, Communications and Mass Media of the Russian Federation summed up the results of the year of operation of the digital profile of a citizen on the State Public services portal. The service was put into commercial operation on May 20, 2020 Ministry of Digital Development Russia together with the Bank of Russia in accordance with the Decree of the Government of the Russian Federation of 03.06.2019 No. 710.
The service is a collection of all data about a citizen that are at the disposal of state bodies and state information systems, as well as a collection of technical means that allow you to manage this data, first of all, the citizen himself.
| | The digital profile on Public services is a convenient format for interaction between citizens and businesses on the basis of a secure state platform implemented taking into account the necessary security measures. For business, this is, first of all, the ability to integrate this service into its digital end-to-end scenarios for the provision of services. For citizens - express consent to the transfer of digital documents from state sources to commercial organizations to receive services. It is extremely important that such information can be obtained only with the consent of a citizen, which is stored in a single register of digital consents, - said Russian Deputy Head of the Ministry of Digital Development Dmitry Oguryaev. | |
In May 2020, within the framework of the digital profile, a service was implemented that allows citizens through their personal account on Public services to remotely provide information about themselves credit insurance in and organizations and receive services and services completely in digital form without visiting offices. We are talking about information from,,, and databases FTS Federal Registration Service MINISTRY OF INTERNAL AFFAIRS RPF others.
Over the year of the service's existence on the State Public services portal, 3.5 million consents were given by citizens to provide certain information to banks and insurance organizations. The maximum number of consents issued reached 30 thousand per day. Thus, remote interaction between customers and banks was implemented without the need for additional submission of documents. As of May 2021, 19 banks and 4 insurance organizations are taking part in the project.
In November 2020, non-bank credit organizations, financial platform operators and microfinance organizations also received legal grounds for integration with the service. Several market participants are in the process of integrating with the service, many have announced their plans to connect to it in the near or medium term.
In the future, the project will be expanded to all credit and microfinance organizations, as well as supplemented with information. The list of available information is constantly expanding. So, in March 2021, on the State Public services portal, through the digital profile of a citizen, a mechanism for transferring a certificate of 2-NDFL to banks when issuing loans was implemented. After obtaining consent from a citizen to provide data, the certificate is automatically sent to the bank, and information is recorded in the personal account of the State Public services user, when and to whom approval was given.
VSK connected to the Digital Profile service on the public services portal
Insurance House VSK On December 16, 2020, he announced that, with the support of the Association, FinTech had carried out integration the Digital Profile service as part of a large-scale experimental project aimed at improving the quality and connectivity data contained state in information resources. More. here
Until the end of 2021, the period of the pilot project "Digital Profile" will be extended
Until the end of 2021, the period of the pilot project "Digital Profile" will be extended. This became known on October 12, 2020.
As of October 2020, 12 banks and one insurance company became participants in the project, 15 information is available and more than 900 thousand customer consents for data processing have been received.
The Bank of Russia plans to increase the number of organizations connected to the Digital Profile, including credit and insurance organizations, MFIs, as well as operators of financial platforms. In addition, it is planned to add 15 more types of information to the "Digital Profile." For example, a 2-NDFL certificate, data from an electronic work book or about the balance of maternity capital.
Based on the data of the "Digital Profile," financial organizations can conduct scoring procedures and issue a product to the client on individual terms[4]
Sberbank connected to the Digital Profile service on the public services portal
Sberbank on October 5, 2020 announced the expansion of the possibility of consumer lending thanks to the Digital Profile. Read more here.
Bank "Russian Standard" connected to the service "Digital Profile" on the portal of public services
On July 7, 2020, Bank Russian Standard, a member of the FinTech Association, announced its connection to the Digital Profile service. Read more here.
Sovcombank connected to the Digital Profile service on the public services portal
On May 21, 2020, Sovcombank announced the connection to the Digital Profile service, which was put into commercial operation by the Ministry of Digital Development of the Russian Federation and the Bank of Russia.
The service will allow citizens to remotely apply for loans on the Sovcombank website by providing the bank with data on the borrower from the "digital profile" from the State Public services website. Read more here.
"Ak Bars Bank" joined the project "Digital Profile" on the portal of public services
On May 20, 2020, Ak Bars Bank announced its accession to the Digital Profile project. Now to customers when applying for a consumer loan on the bank's website, you do not need to manually fill in the data in the questionnaire. They will load automatically using the account records on the State Public services Portal after the client allows the bank access to to your digital profile. Read more here.
DomClick from Sberbank integrated with State Public services
On May 20, 2020, Sberbank announced the launch of the Digital Profile tool, which allows customers, when applying for a mortgage, to reduce the time for providing documents in paper form by uploading their data from the State Public services Portal. As of May 20, 2020, the service is available to users of the web version of DomClick. Read more here.
Raiffeisen Bank completed integration with Digital Profile on the public services portal
On May 20, 2020, the Raiff eisen Bank announced the completion of integration with the Digital Profile service, available to all users of the Public services portal as part of the implementation of the Digital Economy national program. The use of a digital profile will allow current and new customers of the bank to quickly apply for a consumer loan and not provide documents confirming employment and income. Read more here.
Launch of a service for digital interaction between citizens and banks through the EPGU
On May 20, 2020, the Ministry of Telecom and Mass Communications of the Russian Federation announced the launch of a service for digital interaction between citizens and banks through the Unified Portal of Public Services. The new solution allows credit and insurance organizations to provide remote services to the population.
Through the new service, financial organizations can receive information stored about citizens in various databases (FTS, Rosreestr, Ministry of Internal Affairs, PFR, etc.). It is noted that such information can be obtained only with the consent of the client, which is stored in a single register of digital consents.
By May 20, 2002, 20 banks and four insurance organizations are taking part in the project. Customers of six banks can fill out a questionnaire for remote loan provision online through the service in their personal account on the public services portal. The list of credit institutions is planned to increase. Insurance companies are testing the possibility of issuing OSAGO and CASCO policies through this service.
According to the Minister of Digital Development, Communications and Mass Media of the Russian Federation Maksut Shadayev, for business, a new service is, first of all, the opportunity to embed it in its digital end-to-end scenarios for the provision of services, and for citizens - to express consent to the transfer of digital documents from state sources to commercial organizations and the disposal of their data.
In the future, the project will be expanded to all credit and microfinance organizations, as well as supplemented with new information. In particular, on the income of citizens from the information systems of the Federal Tax Service of Russia and the Ministry of Labor of Russia, as well as information from the BKI (Bureau of Credit Histories). The corresponding draft act is being coordinated with interested state bodies.
The service was implemented as part of an experiment to launch a digital profile of citizens in accordance with the Decree of the Government of the Russian Federation of 03.06.2019 No. 710[5]
Notes
- ↑ Digital profile opens up new opportunities for citizens and businesses
- ↑ DIA and other participants in the financial market can get access to the digital profile of Russians
- ↑ Digital Profile Infrastructure Use Cases
- ↑ Until the end of 2021, the period of the pilot project "Digital Profile" will be extended.
- ↑ A service for digital interaction between citizens and banks has been launched through the Unified Portal of Public Services
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