Overview: IT in banks 2016

Status of the Russian market of bank informatization in 2016 and the forecast for 2017-2018

The Russian market of bank informatization has not the best times. Most of respondents of TAdviser of experts speak about stagnation or decrease in market size. The main part of projects represent support and development of earlier implemented systems now, or are directed to optimization and cost reduction.

Very few investment projects and projects with the new ideas that, by the way, can mean that time of rapid growth of bank automation remained in the past, - Andrey Sykulev, the CEO of the company "considers Cinimex.

Vitaly Pateshman, the sales director of BSS company, notes that banks aim to reduce expenses, especially by network divisions.

Budgets if are not reduced by bank informatization, then increase very carefully. At the same time transfer of customer service to remote canals, promotions of banking products and services, payment and not payment services to electronic canals is extremely relevant. The mobile bank becomes the leader among electronic channels of customer interaction. It will define in many respects a picture of future RBS, - the expert says.

Ivan Rubtsov, the deputy CEO for work with key customers Croc, considers that now only the first five of banks, among them Sberbank, VTB, Gazprombank and Alfa-Bank well feels.

Banks which it was once possible to call small and which, nevertheless, did projects and invested in IT collapsed now and just try to survive on some corporate unique credits, there is even no speech about investments. They need the fast-paid-back solutions which begin to make profit in the form of cost reduction. And here large banks quickened now and actively invest in IT projects, - Rubtsov says.

According to him, the IT market for banks developed under the influence of two opposite trends in recent years. On the one hand, strong pressure was put by the general economic situation and reduction of number of banks, with another, - the level of expectations from technological solutions grew. What a few years ago saw as destiny of the few banks innovators becomes the mandatory requirement for modern bank today, the representative Croc is sure.

The managing partner of Maykor-BTE Maxim Nikitin considers that for the present in the field of IT for the financial sector crisis trends remain. The company does not see considerable reduction of IT projects, however banks practically do not make investments in updating of IT, being guided by the solutions giving reduction of a capital expenditure. In this regard there is demand for cloud computing and outsourcing, and service providers should make many efforts to prove rationality of cooperation, Nikitin says.

Alexey Sabanov, the deputy CEO of Aladdin R.D. company, notes that if to understand purchasing amount for implementation as the market, then the total amount of the market has a downward tendency. The reasons, according to him, here two. The first is a reduction of number of banks, the second – sequestering in connection with crisis of budgets of the leading banks.

According to Ruben Oganesyan, the sales director of the Center of finance solutions RDTECH, on average IT budgets of banks for 2016 were reduced approximately by 20-25%.

In general, according to the expert, in view of an economic crisis and devaluation of ruble many banks started project implementation on optimization of IT infrastructure for the purpose of cost reduction. The tendency to implementation of short-term projects which payback period does not exceed half a year is also obviously traced.

Maxim Bolyshev, the associate director of department of banking software of RS-Bank of R-Style Softlab company, also notices significant decrease in IT budgets of banks in comparison with pre-crisis times. Besides, according to him, during this time about 200 financial institutions anyway ceased to exist. With respect thereto in the company observe the general recession in the market of bank automation.

The main IT expenses of banks, according to him, can be separated into two most characteristic categories: the equipment and the software (S) which, in turn, is divided into system and applied.

2015 showed activity of banks and existence of budgets only for the application software that is quite natural as investments to this area allow credit institutions to perform breaks in customer service, to achieve the maximum results in optimization and economy. For this reason this category, by our experience, did not undergo serious changes, despite the crisis phenomena in economy, - Bolyshev adds.

Svetlana Vronskaya, the marketing director of Corus Consulting Group, believes that after crisis in the Russian financial market in 2014 the bank industry still is in not a really stable status. The number of the organizations which lost the banking license was about 200 in two years and, in her opinion, process improvement of a bank landscape of Russia the regulator will continue. In parallel there is a process of absorption by strong players of the small, but already working projects in the field of financial activities that together or on their base to create the strong credit and financial organizations. It is possible to give creation of Post Bank based on Summer of Bank or accession of projects as an example Rocketbank and Point to Otkrytiye financial group.

In addition change of the legal framework of functioning of financial institutions both at the international level, and in Russia continues. Except need to follow international standards of implementation of banking activity, the Russian banks should change quickly internal transactions for compliance to new requirements of the regulator – to introduction of the new bank reporting, integration with public authorities and others. Already implemented and operating data transmission from credit institutions in FTS about opening of the new bank account can be an example here, - Svetlana Vronskaya notes.

In similar conditions, according to her, banking organizations were forced to review current costs on IT at the same time to continue upgrade of the existing information systems, but to minimize expenses on new large projects.

In particular, banks prefer to transfer CAPEX to operating expenses and instead of large-scale projects on creation of new data centers and internal infrastructure try to give whenever possible a part of infrastructure on outsourcing support, to use capacities of third-party DPCs, as much as possible to investigate possibilities of cloud services.

Of course, completely to pass to the OPEX model in the field of IT banks – especially TOP 10 of the Russian bank industry – will not be able still long time, - the marketing director of Corus Consulting Group concludes.

As for forecasts for the next years, most of the polled specialists expect market revival.

According to Ivan Rubtsov from Croc, the pent-up demand collecting for pair of years, difficult for the financial sector, can be implemented next year.

I think that in 2017 IT budgets of banks will increase a little, in particular, investments in support of systems and costs for software will grow, - he says.

Andrey Sykulev, the CEO of "Cinimex", predicts the gradual revival connected with emergence and development of a number of essentially new technologies and the directions. These are, first of all, technologies which already left in a phase of real practical application, such as Big Data, In Memory Computing, Internet of Things, cloud and hybrid computing architectures and also new technologies which "are on the threshold", but in some scopes of application already seriously compete with "traditional" solutions: artificial intelligence, the distributed registers (blockchain), the systems of the virtual (complemented) reality, besserverny architecture and platforms.

Konstantin Usakovsky, the deputy commercial director of IT Group, considers that when preserving more or less stable economic situation in further years the market, obviously, will grow and generate the new business ideas, "go" to the digital area, think out new products and services for the clients. At the same time every year the increasing value will be purchased by such parameters as speed of release of new products, opportunities and quality of remote channels of service, capability to do really address offers to clients, to generate "apseyl" and cross-sellings.

Maykor-BTE notes that in 2017-2018 in the banking sector growth of practice of outsourcing is predictable. Besides, according to representatives of the company, distribution will be gained by projects on complex transfer on outsourcing of service of IT and industry banking systems.

Ruben Oganesyan from RDTECH, assumes that in 2017-2018 it is necessary to expect development towards cloud computing from banks, technologies connected with Big Data, the various marketing systems focused on work with clients.

These directions are directly aimed both at business process optimization, and at customer acquisition – both physical, and legal entities, - the expert says.

15 trends of bank informatization

Having talked to the IT companies which are engaged in creation and implementation of different solutions for the Russian financial sphere, TAdviser defined 15 trends which have a direct impact on development of the domestic market of bank informatization.

1. Birth of the financial and technology industry

Now processes which can lead to significant transformation of banks and banking technologies ― to merge of banking and information technologies and by the birth of the new industry ― financial and technology are observed. The advanced Russian banks which will actively cooperate with them are in developments of financial technical-startups actively interested and to conclude bargains on merge and absorption. A successful example – acquisition by Otkrytiye bank of Rocketbank.

As Svetlana Vronskaya, the marketing director of Corus Consulting Group notes, for the last 12-18 months many domestic bank structures created divisions for work with young teams and student's groups both in the capital, and in Russian regions, developing new products.

Andrey Sykulev, the CEO of Cinimex company, considers that if to integrate data which "know" about us banks and telecoms, to add them with appropriate technologies of the analysis, then it will be possible to tell that they know of us practically all: our daily routine, a circle of contacts, physical movements, where and that we buy, etc.

Banks, having knowledge of the clients, can turn into the companies which will be in due time and in the right place to provide to citizens and business the convenient services connected with money and not only with money, - Sykulev notes.

2. Personalisation of products and services

A number of experts believe that personification of products and services, "thin", address setup for the client will become a trend of the near future.

The director of work with financial institutions of FORS group company Yury Terekhin notes that opportunities mobile are for this purpose used and Internet banking, data from social networks are analyzed. According to it, Tinkoff Bank, Sberbank, Promsvyazbank and Avangard are already engaged in similar things.

3. Clouds and outsourcing

Now the first tendencies to improvement were outlined in the industry, but expenditure for IT have crisis character: projects are still point, directed generally to expense optimization on infrastructure. With it financial institutions are helped by clouds and outsourcing.

According to Ivan Rubtsov, the deputy CEO for work with key customers Croc, banks more and more actively use services of third-party providers regarding support and service. Since outsourcing of Data processing centers, completing solutions SaaS (for example, call center from a cloud).

This approach will allow the companies to get rid at the same time of non-core functions, to receive service with the stipulated quality level and to transfer costs from CAPEX to OPEX, - he says.

Banks of the first five, according to Rubtsov, think of large-scale private clouds which will allow them to transfer the key systems to horizontally scalable Scale Out of the platform. Besides, private clouds also allow to control each IT service including rendered to internal business divisions. So, this technology is considered also as the working tool for cost optimization and increase in efficiency. Besides, banks invest in reengineering and rewriting of the main software. All understand that time of vertically scalable systems left forever. The Central Bank of the Russian Federation, for example, is going to implement the project on creation of a cloud data processing center.

Sergey Polnomochnykh, the head of department of system engineers of Compulink Group, considers that cloud solutions will be applied even more often at accomplishment of a problem of increase in efficiency of IT.

These technologies win more and more supporters the flexibility, speed of deployment and economic return. Of course, for ensuring the processes, vital for business, such solutions will be mainly implemented in own DPCs, implementing the concept of a private cloud. As for the supporting processes, such as marketing, management of IT and to that similar, the technologies unrolled in a hybrid or public cloud will be used even more often, - he is sure.

According to Svetlana Vronskaya, the marketing director of Corus Consulting Group, banking organizations review current costs on IT at the same time to continue upgrade of the existing information systems, but to minimize expenses on new large projects.

In particular, banks prefer to transfer CAPEX to operating expenses and instead of large-scale projects on creation of new data centers and internal infrastructure try to give whenever possible a part of infrastructure on outsourcing support, to use capacities of third-party DPCs, as much as possible to investigate possibilities of cloud services.

Of course, completely to pass to the OPEX model in the field of IT banks – especially TOP 10 of the Russian bank industry – will not be able still long time, but the fact that all effective financial institutions take active steps in this direction is one of the most obvious trends in the field of informatization in this sphere, - Vronskaya concludes.

The managing partner of Maykor-BTE Maxim Nikitin also ranks clouds and outsourcing as the trend directions in the field of bank informatization. According to him, in outsourcing the trend on complexity of contracts on maintenance of IT and industry bank infrastructure remains.

In particular, on model of complex outsourcing Maykor-BTE several years works with Raiffeisenbank, recently we also signed the similar contract integrating IT service and the bank equipment with Alfa-Bank. In addition, demand for outsourcing personnel and business processes is planned. Maykor actively works on development of this direction and is going it to strengthen, - the expert notes.

4. New approaches to data protection

Today methods and tools of fight against technical cracking, exploits, DoS-and DDoS attacks are acquired. Almost all credit institutions have appropriate means of counteraction. Therefore malefactors even more often again began to use methods of social engineering, and now on a new round fight against these methods which act on inattention of the person and his outright deception develops. Swindlers study processes of bank, behavior of his employees, "behavior" of systems and are forged under them, imitating real situations. Thereby they substitute to the client bank, and to bank – the client.

As notes, Alexey Zabrodin, the deputy CEO for technical activity of INLINE Technologies company, these so-called frodovsky transactions counteracts a class of the systems allowing to reveal fraudulent activity and, moreover, on the nature of requests of the specific client to assume that transaction can be frodovsky. Huge, just enormous number of transactions of clients is performed in remote service, mobile banking. By a manual method it is impossible to reveal malicious actions. It is work an antifraud systems which constantly should improve the scenarios, accumulate a set of knowledge of potential suspicious actions.

Such systems are, they are applied, but, in my opinion, they should reach other level. Banks create these systems, try to support, but their value not available the tool, and in its permanent and timely replenishment by this or that set of knowledge, or so-called signatures, fraudulent activity, - the expert considers.

Key word here "timely replenishment" because if the bank did not update the knowledge base about suspicious sets of transactions or passed some of them, they cannot be recognized automatically.

Now let's provide that about the happened and potential malicious actions not one bank, and for example, one hundred uses the similar knowledge base. Thus, in one place the implemented and sorted situation becomes available to recognition or detection for all organizations using a system. It is already possible to call it the cloud systems where service one on many users. Similar things, of course, will develop very actively because alone to cope with malicious actions of the sophisticated and technically prepared malefactors rather difficult, especially to banks which have no big IT budgets, - Zabrodin says.

Separate, even more difficult thing, according to him, are malicious actions of employees of the bank. They are dangerous that the employee has many powers in a system, its work is, actually, a work with automated systems of bank, it the here. And here to reveal that this employee on intention or an error does not so or, perhaps, it and not he at all, – a task quite difficult.

Here in the same way it is necessary to think of accumulation of knowledge, and it will be very useful if they accumulate in a centralized system which different banks will address. Similar things, in my opinion, will be very demanded and will develop rather actively because, the it is more difficult than a system (and they reached high thresholds of complexity now), the it is more difficult to reveal in them malicious actions, - the representative of INLINE Technologies notes.

In general, according to Ivan Rubtsov from Croc, an unstable economic situation increases demand for solutions on information security. Also Svetlana Vronskaya, the marketing director of Corus Consulting Group agrees with it. According to her, with increase in number of cyber attacks many times for the last five years, prevention of unauthorized access to data of clients of bank and to their accounts, becomes a priority for IT service of bank. "Thus, expenses on the cybersecurity systems will obviously grow, and their functionality to extend", - Vronskaya is sure.

At the same time, Sergey Polnomochnykh, the head of department of system engineers of Compulink Group, adds that it is not enough to secure only perimeter of the organization, even more often it is necessary to provide protection of each application, each information system. "In the near future we for certain will see rapid development of this concept", - the expert believes.

5. Projects with fast return and new niches

Banks approach questions of formation of budgets for the next financial year carefully. Those expenses which are possible for reducing are reduced, nevertheless, the priority is given to electronic channels. In issues of informatization banks are aimed at obtaining result from investments within one financial year.

According to us the phase of active recession of the market of bank informatization is passed. If earlier, year or two back, in a priority were questions of survival, then now, together with cost reduction, we observe growth of investments in projects from fast, within a year, return, - Vitaly Pateshman, the sales director of BSS company says.

In addition, banks begin to grope new interesting niches and the directions of development.

We see the increased demand for our new products from outside as the acting clients, and new. BSS keeps many interesting projects. Last year there were new tasks connected with state defense order and bank support of government contracts. For the solution of these tasks our company provided service which is the only actively used industrial solution today, - Vitaly Pateshman tells.

6. Growth of demand of RBS

Now technology development which allows banks to service the clients via remote channels, such as Internet client, mobile bank, terminals, ATMs, cell phone goes huge rates.

Remote services become more and more demanded. Besides, credit institutions pass from multichannel service to omnichannel when channels of customer interaction are offices, mobile communication, social networks, the Internet and others — on functionality aim at equal opportunities. The client can call in bank by phone, then execute some transactions in a personal account, then make something via the smartphone and personally come to retail department to stop resolving the issue, - Maxim Bolyshev, the associate director of department of banking software of RS-Bank of R-Style Softlab company says.

Retail clients, and behind them and small business, give the increasing preference to mobile banking applications for smartphones and tablets, Vitaly Pateshman from BSS notes. It stimulates banks to pay special attention to mobile channels, quickly and to independently make necessary changes in RBS, to manage quickly a situation, so, profit.

Earlier there was an opinion that the mobile canal will become the certain independent canal for users. Our statistics shows that it did not occur and the mobile channel is method of interaction of the client, additional to Internet bank, with bank. Understanding it, we concentrate attention and forces on creation of a core and providing instruments of development of a system to banks with synchronization of data between different remote channels. For this purpose we, for example, develop SDK API, a presentation layer, etc, - Pateshman explains.

7. Increase in a role of call centers

Quality improvement of customer service in banks depends on remote methods of work more and more. As a result the role of call-and contact centers raises. Many first serious call centers approached the upgrade period. Customers try to increase as much as possible their efficiency not only using IT, but also using his transfer to the region with lower average salary.

And here, owing to remoteness from the center and owing to hiring of new personnel, on the agenda there is more serious quality control of work of call center, Ivan Rubtsov, the deputy CEO for work with key customers notes Croc.

For example, within upgrade of the platform of telephony Croc implemented the BI solution for data analysis on activity of the clients addressing to bank through call center, updated the system of interactive speech interaction (IVR) and set the automated workplace (the automated attendant workstation). It allowed to increase stability of work of call center by 20% and to increase efficiency of operators by 10%. In a project deliverable it was succeeded to prevent failures in connection with subscribers in days of the raised loading in contact center, - he tells.

At the same time, for increase in efficiency it is important to estimate quality of interaction of operators with clients.

For example, in contact centers Croc implements the reporting system consisting of a set of estimates which are put down by clients of banks. After the client of bank completed a call, it is redirected to a branch of the automated assistant to IVR (Interactive Voice Response) where it is asked to give a mark from 1 to 5. Further data are included in the report and are grouped in subjects. On the basis of the same data also history of a call which aggregates in itself(himself) all information on how this call was processed is created. As a result there is information on each call and when in group of investigation handle claims, these indicators address first of all, - Rubtsov explains.

8. Completion of bank software according to requirements of the regulator

Today all bank processes should be completely automated. The central bank wants to strive for end-to-end information transfer and transparency of all transactions made by the client, the same requirement belongs also to reporting systems.

According to Svetlana Vronskaya from Corus Consulting Group, requirements of the regulator for compliance to new legal acts create first of all opportunities for development of new functionality of the bank software.

Ivan Rubtsov, the deputy CEO for work with key customers Croc, gives an example of such project:

For one customer from the financial industry we brought the system of protection of payment information into accord to requirements of the Federal law 161-FZ "On the National Payment System". As a result the customer could reach the necessary level of protection according to the requirement of the Central Bank and also received a set of technical and operational documents according to which it will be able to accompany the system of protection of payment information.

In turn, Maxim Nikitin, the managing partner of Maykor-BTE, notices that occurrence last year of the Bank of Russia into the structure of XBRL International association will and generate further demand for completion of bank software.

9. New means of identification of clients

One more trend is connected with expansion of use of means of identification, in particular, of biometrics.

As Maxim Bolyshev, the associate director of department of banking software of RS-Bank of R-Style Softlab company notes, market leaders already started use of sensors of scanning of a fingerprint for an input in mobile applications. The same opportunity will be applied in the near future and to performing transactions confirmation.

In addition, means not of absolutely traditional authentication will develop. For example, according to Alexey Zabrodin from INLINE Technologies when the client is included into bank department or calls in call center, it can already be identified.

The video camera on an input can recognize it. And if at it on the account the good amount lies, it is not necessary to it even opportunities to allow to get in line, and it is necessary to meet and carry out to the VIP-hall. Of course, swindlers can put on make-up, but a manner to speak to forge much more difficult. Therefore why to distinguish not only appearance, but also a voice? Naturally, using analytical solutions: a system it is more difficult to deceive, than the person in this case, - the expert notes.

10. Integration of banking systems

Historically developed aspiration of banks to develop own IT tools led to the fact that they saved up a set of systems, perhaps even, with excellent functionality. However they are, as a rule, good everyone in the part, and in total – at customer service – and remain the separate systems with different identifiers of these or those objects of one client.

According to Alexey Zabrodin, the deputy CEO for technical activity of INLINE Technologies company, as a result can there will be a situation at which settlement transactions of the client are in one system, credit history – in the second, operation with cards – in the third, and all information on it – in the CRM system.

All this, of course, should change, and technologies approached it closely. I think, in the next years banks will focus on integration of own systems, - he believes.

11. Change of approaches to creation of IT infrastructure

According to experts, an important trend of the last time is change of approaches to creation of IT infrastructure, owing to application of cloud computing. In this case, a part of the used applications appears outside own IT infrastructure of bank – therefore, there is a problem of interaction of "native" infrastructure with networks of providers of cloud services and the Internet.

This trend concerning the companies with an extensive regional network is especially relevant, - Sergey Polnomochnykh, the head of department of system engineers of Compulink Group considers. - In such organizations "Compulink", for example, suggests to implement solutions of the class SD-WAN for consolidation of branches. This modern technology will recognize applications and allows network to adapt to them, to provide the best working conditions, using the most suitable communication channels, QoS mechanisms, optimization of traffic and other means. The implementing solutions SD-WAN will allow to simplify telecommunication infrastructure of branches and to accelerate its deployment, to organize management of all complex network as a whole, will increase performance of the used applications and respectively, efficiency of the related business processes of bank.

12. Enlargement of financial institutions

Every year the number of credit institutions decreases. Revocation of licenses by the regulator, bankruptcy, sanitation, purchases of banks — all this leads to market reduction on the one hand and to enlargement of participants with another. The banks which underwent merge are faced by new tasks of consolidation of banking networks, products and technologies.

According to Maxim Bolyshev, the associate director of department of banking software of RS-Bank of R-Style Softlab company, it is difficult process which success directly depends on IT departments of financial institutions and technological effectiveness of the used products. Here too it is possible to select the main questions connected with it: scalability and centralization of IT systems, reporting.

Ivan Rubtsov from Croc says that as each bank is a unique infrastructure with unique implementation, there is a need for solutions on completion of integration processes for different banks under uniform business process.

In particular, customers are interested in consulting regarding creation of the corporate bus of data exchange (KSSh - the corporate service bus). It is a hardware and software system which allows to automate based on the universal unified forms data exchange between applications without the need for compound integration, - Rubtsov tells. - We implement many years such projects. In 2009 Croc constructed the Russia's first integration bus: then we created a single technology platform within consolidation of information systems of Sibacadembank and Uralvneshtorgbank.

13. Reduction of number of departments of banks

In the course of informatization of banking activity at participants the trend which allows to draw a conclusion on reduction of physical presence of banks was outlined. Reduction of number of departments and branches, is connected with development of services of remote service. At the same time, also work of staff of divisions changed. If earlier they executed many the same routine transactions because of what big queues accumulated, then now banks with bigger activity work on a better and full service of clients on all products provided in a line of credit institution or to products of partners. And in such large number of departments there is no requirement is simple any more.

Experts of the market consider that within ten years the number of bank departments will be reduced more than half, and, eventually, the role of bank departments will be reduced to assistance in difficult questions, such as design of large investments, etc.

I believe that by 2030 about 60-70% of the existing offices of service will be closed, - Maxim Bolyshev from R-Style Softlab says. - Not only the number of branches, but also the number of internal services of banks will be reduced. According to the Central Bank, at the beginning of 2014 in Russia of internal structural divisions of the operating credit institutions (branches) was about 43,230, and at the beginning of 2016 — already 36,994.

14. More widespread introduction risk management and standards "Basel III"

According to the director of work with financial institutions of FORS group company Yury Terekhin, the main trend is more widespread introduction risk management and standards of sufficiency of banking capital "Basel III". And, according to plans of Basel committee transition on "Basel" should be performed by III on a global scale by 2019.

The Central Bank, according to him, actively supports this initiative in this connection many large Russian banks in this or that type already automate the activity on the principles "Basel III". As a rule, it happens to use of own practices, the custom software and separate modules of the western systems risk management.

In such "scrappy" type this automation will also remain. Though the western systems risk management have very broad functionality, is entirely expensive and inexpedient to implement them since they do not conform to all requirements of the Central Bank, do not answer specifics of the Russian banking activity and require high detailing of data on transactions which often is absent in databases of the Russian banks, - the expert adds.

15. Away match

One more noticeable trend is that banks, in competitive struggle for the client, begin "play on the foreign field", offering the numerous services which directly are not connected with their activity - insurance, investment services, services of travel, discount services, etc.

Maxim Bolyshev, the associate director of department of banking software of RS-Bank of R-Style Softlab company, notices that banks begin to render services in electronic registration of the real estate, company registrations in FTS, to electronic document management.

In addition to services, atypical for bank, the ideas of marketplaces develop. For example, Sberbank is going to create an analog of Alibaba on the base and also works on the project of start of a national ecosystem by an example of the largest world companies in the field of Internet commerce.

IT innovations of the Russian banking sector

Banks were always innovators in use of IT. Financial sector and today one of the most active consumers of the innovative solutions. There is no wonder, capability quickly allows to adapt to market changes notable competitive advantages. At the same time bankers not just spend multimillion funds for high technologies, but also constantly raise a level of requirements to IT systems.

Digital bank

Ivan Rubtsov, the deputy CEO for work with key customers Croc, considers that leaders of the industry move towards digital bank - the method of the organization of processes allowing to reduce cost value of banking services and products.

The main article of expenses of traditional bank is the maintenance of departments in which clients are serviced. Transition to digital channels of service gives the chance to significantly reduce such costs: it is enough to person to communicate to the bank representative once, at the very beginning of relationship. The representative will show him how to use the application through which the client will be able independently to perform all necessary actions. In return, the bank will study actions of the client that in a target way to offer it services. We in the country even have examples of successful work of banks in general without departments, but not all traditional banks are ready to it so far, - Rubtsov notes.

He believes that now we are on a threshold of a new era of digitalization and in the next years banks will refuse the maintenance of a branch network and operators, and all transactions will be transferred to virtual space. Besides, according to him, together with economy of the future also universal automation – Internet of Things (Internet of Things, IOT) comes.

Universal distribution of the Internet, mobile technologies and social media is the cornerstone of the concept of IoT, at the same time the idea is supported by our aspiration to make the world more convenient, simpler, more productive and it is safer in the most all-inclusive sense. Internet of Things will erase borders between the industries, and only the companies which will be able to prepare the IT infrastructure in time, having picked up a wave of digital transformation, will become leaders in the segment and will expand the horizons of the business, - the expert is sure.

About povysheniye of income and cost reduction due to electronic customer interaction also Vitaly Pateshman, the sales director of BSS speaks. This company, in particular, releases Electronic office which consolidates interaction both with acting, and with potential clients.

Work at Electronic office begins not with the moment of signing of the contract, and from the moment of the client's input on the website of bank. All circuit of electronic interaction with the current clients is already implemented. In 2017 will earn a circuit of electronic interaction with potential clients", - the representative of BSS says.

Creation of digital bank requires process optimization, a new organization culture and flexible IT solutions supporting the speed of removal of products on the market and personalisation of the offer. 75% of respondents of TAdviser of TOP30 banks consider that problems of digitalization should be accumulated within a single platform (in more detail...).

Expansion of integration opportunities

Among other IT innovations experts select, in particular, expansion of integration services and emergence of new payment systems.

According to Maxim Bolyshev, the associate director of department of banking software of RS-Bank of R-Style Softlab company, it is possible to carry to development of integration opportunities, for example, the organization of Electronic Data Interchange with GIS GMP and GIS of housing and public utilities. It will allow any person who even is not showing the client of specific bank to make in it necessary payment and to learn debts on payment of services.

Vitaly Pateshman considers that development of interaction will change consciousness of clients in work with utilities from GIS of housing and public utilities.

If earlier we waited for the account and went it to pay in cash desk of bank or in the RBS system, then now the bank will announce the appeared account and to suggest to pay it automatically. For bank it is a profitable opportunity to activate the sleeping customer base, the tool of additional transaction income, - Pateshman says. - Our service allows not only to transfer charges to GIS of housing and public utilities, but also to implement similar functionality. It is an opportunity for bank to become closer to the clients. The banks which missed this opportunity will lose chances not only to attract new clients, but also to save own.

With commercial structures it is possible to refer to integration, for example, emergence of insurance proposals from banks, offers on products of partners are stocks, cashback, etc.

Emergence of new payment systems

In 2016 credit institutions began to use Apple Pay and Samsung Pay that speaks about a trend to application of more convenient means of payments and payment systems. In the next 2-3 years it is necessary to expect emergence of other similar technologies, for example, Android of Pay and Xiaomi Pay.

It is separately possible to note support perspective the World cards of commission of payments on Apple Pay and Samsung Pay technologies. Maxim Bolyshev from R-Style Softlab, considers that we will receive this solution in 2017.

Open platforms

Our world changes, accelerates and external vendors are not in time behind these changes: it is too much requirements, too high rates. A reasonable exit – to provide to banks open platforms where there are a core and basic functionality. The bank independently correctly makes changes, arranges the platform under the needs.

BSS understood it long ago and goes on this way. We develop SDK and API that allows bank to increase, on the one hand, functional units according to the development plan for transaction business, and, on the other hand, to brand the interface, - Vitaly Pateshman tells.

Next year banks will be able independently to implement opportunities on a usability and design, the representative of BSS adds.

Bank ecosystem

Some experts believe that in the next years banks are waited by evolution mobile and Internet banking which will result in need of creation of a unique corporate social multisreda available to both employees, and clients. The managing partner of Maykor-BTE Maxim Nikitin calls this Wednesday a bank ecosystem.

The mechanism of this system is simple: for example, the client in this environment can leave the request if the POS terminal does not work; obtain information on the most advantageous offer on crediting in the nearest bank department, using a geolocation; perform p2p-transfer, get advice. And all this in one application, having clicked on pair. For employees the similar platform is a convenient platform for productive work, data access and operational discussion of the ideas with colleagues, - Nikitin tells.

Systems of artificial intelligence

Now in call centers of banks bots - robots consultants using speech technologies and simple forms of artificial intelligence for the help in the solution of simple questions are already used. For automatic control of investments roboedvayzer are used.

At the same time, extremely perspective technologies are the systems of artificial intelligence capable to samoobuchatsya also the difficult decisions helping to make on the basis of processing of data bulks.

Other innovations

Among other innovations domestic experts call implementation of the Unified identification and authentication system (Unified identification and authentication system) for clients of banks, transition to use of XBRL for the reporting under IFRS, application of biometric data (fingerprints, a voice, an iris of the eye of eyes, etc.) for multiple-factor authorization, use of blockchain technologies and other.

So, according to the director of work with financial institutions of FORS group company Yury Terekhin, implementation of a Unified identification and authentication system for clients of banks opens ample opportunities for increase in a share online of transactions and expense reduction on activity of a branch network. Transition to use of XBRL (the open standard of exchange of business information) for the reporting under IFRS will allow to reduce operating expenses of a back office.

Separately it is necessary to mention increase in influence of IT components at banking activity. Some experts believe that in the long term the retail bank will turn from classical institute into API shop for interaction with financial market.

Perspectives a blockchain in the Russian banking sector

Blockchain — a distributed database which stores information on all transactions of participants of a system in the form of "a chain of blocks". Main advantage of this technology before traditional bank transactions — the absence of intermediaries since the blockchain has no central body, and transaction are checked by participants.

TAdviser decided to learn the opinion of experts of the domestic IT companies on blockchain technology perspectives in the banking sector of Russia. They should implement all pool of requests from financiers on implementation of this system.

The general opinion on most of which of respondents is as follows agrees: the blockchain, certainly, has the big future, but to use this technology so far rather early. First of all in Russia all questions with the legislation should be settled. Besides, deep reconsideration of the technology principles of providing banking services will be required.

The complete version of article "Perspectives a Blockchain in the Russian Banking Sector" is available according to the link.

Directions of development mobile and Internet banks

Mobile applications of banks and Internet banks constantly expand the opportunities, become more convenient and advanced. However together with it also the number of threats which clients face grows. It in turn changes a paradigm of development of these financial products.

If earlier banks, aimed the main efforts at providing availability of applications and development of demand for them from clients, then now to the forefront there are security issues, in particular, implementation of more strict rules of blocking of payments through bank clients, remote monitoring of harmful activity on mobile devices and increase in the user awareness in questions of information security, - Mikhail Domalevsky, the manager of development of department of information security of Softline group tells.

According to him, the majority of measures are imperceptible to an eye of normal users though sometimes to banks to have to sacrifice convenience of use of mobile applications as it is better to lose a little in convenience, than to lose a customer loyalty because of the implemented cyber attacks.

Nevertheless despite all problems connected with security it is all the same necessary to develop further and here it is possible to select several main directions.

First, it is a tendency to functional equality of departments of banks, Internet clients and mobile applications. For example, having come to office of credit institution, having used the Internet client or mobile bank, the client will be able to receive the same demanded services and to perform necessary transactions.

The second direction is an increase in a role of mobile devices as means of payment. So, according to quarter financial results of Apple, in September via the Apple Pay more purchases, than during the whole 2015 were made. The company recorded significant increase in volume of transactions through the payment system worldwide.

It is obvious that it is necessary to expect even more active use of service as on the eve of the Apple Pay it became available to residents of Japan who got used to contactless payments for a long time. Increase in volumes of transactions is also connected with arrival of a system this fall on the Russian market with assistance of Sberbank and MasterCard company and also to New Zealand, - Maxim Bolyshev, the associate director of department of banking software of RS-Bank of R-Style Softlab company tells.

Maxim Bolyshev also selects two more ways of development: integration with social networks and messengers and also expansion of means of identification.

For example, Tinkoff Bank this year started the bot in Telegram, and Sberbank is going to begin to issue the credits via WhatsApp and Telegram.

As for expansion of means of identification, according to the representative of R-Style Softlab, it is first of all about use of biometrics and other opportunities of mobile devices here.

Market leaders already started use of sensors of scanning of a fingerprint for an input in mobile applications. Such opportunity will be applied in the near future not only to logging into the personal account, but also to performing transactions confirmation. Now we observe growth of a variety of biometric sensors: there are a retina scanner, the scanner of capillaries, the heartbeat sensor (by which uniqueness it is possible to be guided too). Besides still not involved there is a frontal camera on mobile devices which allows to identify the user visually and also audioidentification did not find application yet though the intention of its use was expressed by German Gref, - Bolyshev tells.

Vitaly Pateshman, the sales director of BSS company, considers that the mobile bank turns from the payment instrument into the sales channel of services and products to the client, activation of the "sleeping" base, interaction with state services.

There are requests for services and banners using which clients can quickly issue a deposit, submit the application for the credit, etc. The mobile bank becomes driving force not only attractiveness of banks for retail clients and small business, but also the important channel of transaction revenues of banks, - Pateshman considers.

A number of experts call Internet and mobile banking the most perspective and fast-growing segments in banking activity. Ruben Oganesyan, the sales director of the Center of finance solutions, in particular, says RDTECH about it. According to him, individuals regarding fast payments, money transfer, management of own means, etc. use generally these services. At the same time, development of functionality of these services and for legal entities is planned.

Also mobile and Internet banking informing clients, collecting of arrears and so forth actively develop in parts of sales of banking products. Today the system of a full stroke of customer interaction by means of Internet banking, including opening of the checking account without physical presence of the client at bank department is actively developed, - Oganesyan notes.

Some experts consider that you should not wait for the explosive growth of use of these technologies. In particular, the director of work with financial institutions of FORS group company Yury Terekhin says that in spite of the fact that at leaders of retail market mobile and Internet banking now violently develops, the explosive growth of use of these technologies in the financial sector will not be.

The matter is that such advanced functionality is necessary for mass involvement of retail clients. In the conditions of violently growing economy when there is a mass of solvent clients who need the credits for various purchases, and banks them willingly give; when they bring deposits to banks, and banks willingly take them when retail clients in large quantities are engaged in investments and purchases in Internet bank, then yes - mobile and Internet banks become demanded tools for expansion of the customer base. At us is yet not so. The Russian banks have an excess of liquidity thanks to financial policy of the regulator, deposits are not really necessary to them, they give the credits badly and the population now reluctantly takes them; the insignificant layer of society is engaged in investment activities and the stock exchange trading; use of bank online services does not grow at explosive rates, at the same time all the competition from non-bank payment systems and trade online platforms becomes higher, - Yury Terekhin explains. - The efficiency of such direction of automation is not obvious to most the Russian banks, it will not bring them notable income. Small banks before revocation of license "vacuum" the market simple raising of deposit rates without any sophisticated technologies. Large banks with rare exception now do not aim to increase retail business and is not present in Russia of broad masses of economically active wealthy population which is not covered by retail banks now. Advantageous use "advanced" mobile and Internet banks is in isolated cases: Tinkoff Bank, Sberbank, Promsvyazbank, Russian Standard, Opening/Rocketbank, Alfa-Bank, Vanguard Bank.

Also Alexey Zabrodin, the deputy CEO for technical activity of INLINE Technologies company doubts further serious growth. According to him, the Russian banks already quite far promoted in comparison with European and American where this area is very conservative. But it is necessary to move further all the same. And the movement, most likely, will be towards integration into consumer applications.

For example, why to the application on the gadget not to be integrated with applications of subscriptions of the press, periodical payments for lease of the software, etc.? So that it occurred, on the one hand, safely, with another – it is very simple. Now there are many mechanisms, of course, but so far they are not unified and work, we will softly tell, not with the highest quality. There are no unified payment platforms, full integration into banking applications. Did not reach yet. But it is an explicit trend – on almost completely automated payment processes, simplification performing transactions. It is not necessary to prevent to pay the client money. Let him pay everywhere and always, conveniently and easily. In parallel with it, certainly, security. The more processes it is performed automatically, the more attention should be paid to check of these automatic and semi-automatic actions, - the expert considers.

Dmitry Sergeyev, the director of business development of the Center of software solutions of Jet Infosystems company, believes that mobile and Internet banks go from classical financial credit institution towards a fintekh. However, as a result will win not banks (big, reliable and with a big name), and the IT companies – fast, flexible, convenient.

Respectively or the bank itself will become this IT company, or will turn into commodity-service at like that. For example, Google as the operator of payment services gains 90% of income from the client and only 10% leave to the bank making a real transfer, - Sergeyev reminds.

Main problems of security mobile and Internet banks

Security concerns mobile and Internet banks are known long ago, and the opened new vulnerabilities, as a rule, do not make significant changes to the developed models of threats.

Experts are sure that remain the main problems for the last 3-5 years: a priori not entrusted environment (mobile device), danger of infection of the mobile device and computer on the Internet, insufficiency of the built-in means of protecting in software products from developers of the RBS systems and Internet banking and also failure to follow elementary security requirements by users.

The complete version of article "Main Problems of Security Mobile and Internet Banks" is available according to the link