Information technologies at AK BARS Bank

2025: Recovery of 85 million rubles at the suit of the software developer "Datafinn"

On October 10, 2025, it became known that the Arbitration Court Tatarstan recovered over 85 million from Ak Bars Bank rubles in favor of the Moscow developer. software "Datafinn" The proceedings are related to the project of creating and implementing risk management systems and automation of banking processes.

According to the Kommersant newspaper, referring to information received from the lawyer of the Yakhatin company Anton Smirnov, the case file refers to a large contract. In particular, Datafinn worked to create an individual credit risk assessment and response assessment system in the credit history bureau. The agreement with Ak Bars Bank also provided for the development of forecasting algorithms for POS loans (loans that can be issued in retail outlets), the creation of codes for determining credit offers and card limits, a telemarketing module with computer telephony integration.

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Фото: Artem Dergunov/Kommersant

What exactly the dispute is connected with is not specified. It is known that the lawsuit was filed in September 2023, when Datafinn demanded to recover debt from the bank in the amount of 85 million rubles and state duty costs. At the same time, Ak Bars Bank claimed falsification of evidence by the plaintiff and petitioned for a forensic examination. The experts involved answered questions regarding the readiness to test the program and algorithms for predicting POS loans, the telemarketing implementation module, strategies for car loans, etc. Due to the long consideration of the case, the plaintiff increased the amount of claims to 100.1 million rubles.

As a result, the court sided with Datafinn, deciding to recover from Ak Bars Bank 63 million rubles of debt, 21.5 million rubles of interest, 422.4 thousand rubles for conducting examinations and almost 169 thousand rubles of state duty costs. Thus, the requirements of the software developer are partially satisfied.^[1]

2020: Joining the Digital Profile project

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.

A digital profile (or ESIA 2.0) is an extended version of a personal citizen's office on the State Public services Portal, where information about citizens from various databases (FTS, Rosreestr, Ministry of Internal Affairs, PFR, etc.).

To fill out a loan form using the Digital Profile, you need to go to the bank's website. Then you need to click the button "Quick fill out an application via Digital profile, "log into an account on the State Public services Portal and allow the bank Use data. At the same time, the account on Public services should be confirmed, third level. After Data with Digital Profile will be synchronized, the client needs to enter the missing information and Submit an application for review. After analyzing the data, the bank will accept solution: issue a loan or refuse. The chance of approval of the application in this case increases significantly, as the bank immediately receives income data from Digital profile. The client will not need to provide additional help to confirm them.

Шаблон:Quote 'author=commented Damir Galiyev, Innovation Director of Ak Bars Bank.

"Digital Profile" - project [[Ministry of Telecom and Mass Communications' of the Ministry of Digital Development, Communications and mass communications of the Russian Federation]] and the Bank of Russia on the creation of a single platform for exchange of information between the state, citizens and commercial organizations. The project is planned to provide commercial access organizations to data on individuals held in state information systems. The data will be provided with the consent of the citizens who are stored in a single register of digital consents.

2019: Heedbook Solution Implementation

On June 18, 2019, Microsoft announced that Ak Bars Bank, one of the universal banks of the Republic of Tatarstan, together with the technology startup Heedbook, has introduced a system to improve the efficiency of the company's offices as part of a pilot project. As a result, cross-sales of additional services doubled, customer satisfaction increased by 23%, and the number of justified complaints was reduced by 14%. Read more here.

2018

What is IT Ak Bars Bank

Change DIT concentrated expertise in terms of platforms of the middle and backoffice layer, in ABCT - expertise in terms of its own development of digital channels and RnD, stack -.NET, React, native mobile development of iOS and Android From ^[2]

Plans:

• We will consolidate the entire Change expertise in ABCT, extending to platform solutions engineering practices used in the own development area
• We run value streams macros based on the SAFe-based model, which includes several production product teams, as well as a team of business and functional experts to ensure maximum autonomy.
• In parallel with the cost centric approach, we will use the Economic Value Added calculation method to estimate the predicted and actual impact of the ABCT commands on the Bank's PnL

2016

Launch a card-to-card money transfer service on the website

On March 23, 2016, AK BARS Bank launched a service for transferring funds from card to card on its website. The service is available to both AK BARS Bank cardholders and third-party bank cardholders, and you can use it anytime and anywhere from a device that has access to the Internet.

Add session keys to log in to AK BARS Online

On January 15, 2016 remote banking service , the AK BARS Online system from AK BARS BANK PJSC installed an increased protection system - two-factor authentication. Going through the procedure two-factor authentications when logging into the AK BARS Online system, after the usual login and password, you need to enter a one-time session key.

2015

On March 11, 2015, AK BARS Bank launched a new product - a BankOK virtual card, which requires a mobile device on the platform iOS or Android with the BankOK application installed, access to the network Internet and a valid AK BARS Bank card with the AK BARS Online service connected.

On August 7, 2015, AK BARS Bank launched a new AK BARS Online mobile application for Android and iOS platforms. The AK BARS Online mobile application allows you to easily, quickly and safely make payments and transfer money between accounts and cards, repay loans from your phone at any time of the day without visiting the Bank's office.

2014

On September 23, 2014, a new http://akbars.ru site was developed taking into account modern requirements for web design, information availability, and ease of use of services. All information on the site is adapted for any device - tablet, phone, desktop computer, and provides for comfortable work with touch screens.

2011

AK BARS Bank was one of the first in Russia to complete a certification audit for compliance with the international Payment Card Industry Data Security Standard (PCI DSS) version 2.0. The PCI DSS standard is adopted by the largest international payment systems Visa, MasterCard, American Express, Discover Card and JCB and is valid for companies that store, transfer and process payment card data. Certification was carried out by Digital Securities and ICL-KPO VS, which are among the Russian leaders in the field of security of banking information systems. The audit results confirm that AK BARS Bank provides a high degree of security and practically eliminates the risk of theft and damage to customer data using payment cards.

IT projects at AK BARS Bank

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