Remote Banking Systems (RBS Market of Russia)

Types of remote banking services

From the point of view of the technologies used, the following types of RBS can be distinguished:

Classic "Bank-Client" (thick client, remote banking, home banking) - a separate client program is installed on the user's computer, which immediately stores all its data (account statements, payment documents). Interaction with the bank can be carried out through various communication channels (telephone switched or dedicated lines, via the Internet).

Internet banking (Internet client, thin client, On-line banking, Internet banking, WEB-banking) is a remote banking system that works through a regular Internet browser. With its help, you can perform all the same actions as through traditional systems, with the difference that you do not need to install the system distribution kit on the user's computer. For more information, see Internet Banking.

Mobile banking (telephone banking, SMS-banking) - provision of RBS services using telephone communication. As a rule, such systems have a limited set of functions. Most often, this is an information service (account statements, account balance, etc.). But some banks allow customers to make various payments and make money transfers using a mobile phone.

External services - RBS technologies using self-service banking devices (ATMs, payment terminals, information kiosks).

Mobile banking

Main article: Mobile banking

Russian remote banking market

2022: Putin allowed to open accounts without the personal presence of a client to transfer money to other banks

At the end of February 2022, the president Russia Vladimir Putin signed a decree that allowed opening bank accounts without the personal presence of a client to transfer money to other credit organizations. The document was the response of the Russian Federation to Western sanctions against. financial sector

Russian President Vladimir Putin allowed to open accounts without the personal presence of a client to transfer money to other banks

As RBC explains, before a client had an account with a Russian bank, a person had to undergo full identity identification when contacting the department (this is a requirement of the anti-money laundering law). The decree explains that now banks receive the right to open accounts without personal presence if the client transfers money to them from another bank, and he, in turn, shares information about the client with the receiving bank (with his written consent). The method and form of transfer of the specified information shall be determined by credit institutions independently.

Customers of banks under blocking sanctions have restrictions on service. In particular, their Visa and Mastercard cards stopped working abroad, Apple Pay and Google Pay do not work anywhere. The measures taken can help the clients of these banks (in particular, those people who ended up abroad only with a card of a sanctioned bank and cannot pay it or withdraw money) transfer funds to another bank - which is not under sanctions. Now they will be able to withdraw money to another bank, open a card there digitally and upload it to the Apple Pay wallet or Google Pay, the newspaper notes.

Under the blocking sanctions USA fell,, VTB, and "Opening". Sovcombank Promsvyazbank Novikombank Sberbank was limited to opening correspondent accounts in American, but did not banks add it to the SDN blocking list. Sectoral sanctions were imposed against,,, and. Gazprombank Rosselkhozbank Alfa-Bank Russians Moscow Credit Bank^[1]

2020

NAFI: 56% of Russians use digital banking

On September 23, 2020, it became known that on average in Russia, 56% of citizens use digital channels for managing personal finances - a mobile application or an Internet bank. This is evidenced by the results of a study conducted by the NAFI analytical center as part of a joint project between the Ministry of Finance of Russia and the World Bank.

According to the data received, on average, 37% of Russians use Internet banking services, in Moscow - 40% of residents. Mobile banking on average in the country is used by 51% of residents, in Moscow - 47%.

The top 10 regions in terms of the number of digital banking users included the Yamalo-Nenets Autonomous Okrug, the Komi Republic, the Republic of Sakha (Yakutia), the Khanty-Mansi Autonomous Okrug, the Chukotka Autonomous Okrug, the Republic of Karelia, the Kaliningrad and Magadan Regions, the Altai Republic and the Kamchatka Territory.

Guzelia Imaeva, Director General of the Analytical Center NAFI:

The growth in the number of users of digital banking services is beneficial both for the banking community and for consumers of banking services. On the other hand, problems with the low digital literacy of certain categories of financial service users make it difficult to receive these services through digital channels. Banks need to strive to make these services more accessible, and additionally work to protect the personal data of customers[2]% of Russians[3].

Russians warned about the risk of termination of all Internet banks

Russian banks may be forced to stop all mobile and Internet banking. This may happen if the requirements for the use of domestic software in Russia come into force on January 1, 2021, as stated in the presidential decree and government decree. This conclusion was reached by the market participants themselves, Kommersant reported on June 17, 2020.

Bankers warned that many points in the requirements for critical information infrastructure look not only too complex, but technically impossible. On June 15, the Association of Banks of Russia (ADB) sent a corresponding appeal to the head of government Mikhail Mishustin.

It says that the decrees do not take into account the possibility of large-scale failures in the process of changing equipment. To avoid them, it is necessary to postpone the entry into force of the new norms for at least four years. Only in such a time frame can the transition be carried out simultaneously with normal operating activities.

The organization estimated the expenses of banks when switching to Russian software and IT equipment at 700 billion rubles, but a short time will significantly increase this amount.

VTB Bank noted that in six months it is impossible to analyze, test, purchase and implement new solutions without the threat of serious problems. Sovcombank indicated that the current equipment and software was chosen as optimal and integrated into business processes. This took a significant share of profits for many years.

In addition, as noted by ADB Vice President Alexei Voilukov, many foreign programs have no Russian analogues, judging by the functionality. The available solutions only outwardly resemble foreign developments, but often lag behind by decades. In the case of equipment, things are even worse, since Russian companies do not have many modern technologies for the production of radio electronics and an element-component base.^[4]

2018: Central Bank: more than 55% of Russians used online banking

The Bank of Russia conducted another measurement of financial inclusion indicators, noting a steady increase in the use of remote channels of access to financial services and cashless payments by the population. In 2017, the share of such citizens was 45.1%.

The regulator has been conducting such measurements since 2015 and annually notes an important role in increasing the financial availability in Russia of the development of remote channels of access to financial services, as well as increasing the speed of access to them.

42.8% of adults from among those respondents who do not use remote service constantly reported their readiness to start regularly using remote access to financial services (if possible), as during the last measurement. At the same time, the share of the population that has the opportunity to instantly (within 35.9 minutes) transfer funds using a mobile phone or using satellite communication has increased from 54.7% to 15. The share of non-cash payments (including using payment cards) for goods (works, services) in the total volume of retail trade, catering and paid services to the population increased by 8.2 percentage points (up to 55.6%). The number of operating banks providing services for opening the second and subsequent accounts without a client's appearance at the office increased in 2018 from 78 to 105.

At the same time, in 2018, there was a decrease in the number of divisions of operating credit institutions - from 35,494 to 31,752 units. And if in previous years the decrease in this indicator occurred from year to year at a slower pace (11.9% in 2015, 8.7% in 2016 and 3.4% in 2017), then in 2018 the decline rate intensified and amounted to 10.5%. The trend towards the reduction of traditional formats of banking divisions is in line with global practice and is primarily associated with the development of modern remote methods of customer service. This practice fully justifies itself in cities and large settlements. However, in rural areas, in remote, sparsely populated and hard-to-reach areas with underdeveloped information and communication infrastructure, this approach does not provide the necessary level of availability of financial services, and therefore in 2018, certain large credit organizations, reducing their presence in Russian cities, did not close units in rural settlements.

In addition, banks used a new format that differs from traditional branches and internal structural divisions. According to the results of a special continuous survey of credit institutions conducted by the Bank of Russia for the first time, as of December 31, 2018, there were more than 27 thousand remote service points in Russia with employees of credit institutions and more than 196 thousand remote service points with their agents (excluding cash registers of bank payment agents). Also, as of the end of 2018, separate banking operations for making transfers, withdrawing and depositing cash were possible in more than 30 thousand post offices (growth rate for the year - 103.9%), which amounted to approximately 75% of all existing post offices. In 15 thousand branches, it is also possible to accept documents for opening an account (the growth rate for the year is 47.6%).

When analyzing the quality of service in financial institutions, the study notes an increase of 8.2 percentage points (from 65.0 to 73.2%) in the share of adults who believe that when applying for a loan/loan over the past 12 months, they were provided with reliable, understandable and sufficient information about the product. Over the year, the share of adults with active loans in credit or non-credit financial institutions (NFOs) increased by 1.3 percentage points (from 26.8 to 28.1%), while the growth rate of debt on principal debt in these types of organizations increased by 22.5% (from 12,342 billion to 15,114 billion rubles). At the same time, overdue debt of individuals to credit institutions decreased by 10.5% (from 849 billion to 760 billion rubles).

In 2018, the share of SMEs with active loans in credit or non-credit financial institutions increased by 7 percentage points compared to 2017 (from 18.4 to 25.4%) with an increase in the volume of loans/loans equal to 11.4% (from 6151 billion to 6855 billion rubles) and debt on principal debt 1.1% (from 4209 billion to 4257 billion rubles).

For the first time since 2014, the amount of SMEs' debt on bank loans showed growth at the end of the year, and the volume of loans issued in 2018 became the maximum since 2015. The market was supported by a significant decrease in interest rates on SME loans in 2018: weighted average rates on SME loans for up to 1 year decreased by 1.32 pp (from 12.46% in January 2018 to 11.14% in January 2019), and rates over 1 year - by 0.49 pp (from 11.28 to 10.79%, respectively). In turn, the overdue debt of SMEs to banks decreased by 16.2% (from 622.7 billion to 521.8 billion rubles).

2017

RAEX: Rating the functionality of Internet banking systems

For the 1 half of 2017, the volume of Internet payments to individuals increased by 8% and amounted to 1 trillion rubles. In addition to the general growth in the volume of population transactions, the market was supported by the introduction of new functions in Internet banking by leaders and integration with GIS. Further transfer to online utility and tax payments, which make up about 78% of all transactions of individuals in banks, will support the growth of Internet payments. At the same time, it is possible to increase the number of online transactions due to the saturation of mobile banking with the functions of automatic recognition of payment details. As a result, in 2017, the volume of online payments will grow by 7-8%, and the challenge next year will be the introduction of GOST on information security against the background of increasing hacker attacks and failures in Internet banking.

The total volume of online payments to individuals for the 1 half of 2017 increased by 8%, reaching 1 trillion rubles. The reason for the growth was an increase in the total volume of FL transactions in bank branches following the passage of the acute phase of the economic crisis. According to the results of the 1st half of 2017, the share of online payments in the total number of payments of individuals reached 40%, returning to the level of 2014 after a two-year fall. In the absolute volume of payments, the share of online for the third year does not show a noticeable increase due to the exhaustion of the low base effect and a decrease in public confidence in banks due to ongoing revocation of licenses and bank reorganization. Further development of the market will depend on the dynamics of the total volume of payments by individuals and the activity of banks in automating user functions. According to the agency's forecasts, the volume of online payments to individuals at the end of 2017 will maintain growth at the level of 7-8% and exceed 2.2 trillion rubles.

The basis for transferring operations online remains payments for housing and communal services, payment of taxes and fines, which make up about 78% of all banking operations of individuals. Despite the functioning of state electronic systems of GIS housing and communal services and GMPs, over 90% of utility and tax payments are carried out in bank branches. An obstacle to the growth of the number of online operations on these transactions is the low filling of GIS housing and communal services with information about service providers. The system has been in place since early 2017 and is not fully integrated with utility providers. The possibility of remote payment through GIS GMP is also not fully used by banks: only 4% of payments to the budget are made through Internet banking. It is possible to speed up the transfer of "routine" operations to RBS systems by introducing the auto-payment function, which only 8 out of 31 study participants have. Thus, the market retains a significant growth potential due to the transfer of client operations online.

Saturation of mobile banking with functionality will not lead to an increase in the share of active users, but will be able to increase the number of their payments in banking applications. Regular clients of classic RBS systems continue to increase the number of operations carried out through mobile applications. So, if in 2015 the share of transactions performed through mobile banking was 11% of the total number of transactions of individuals, then for the 1 half of 2017 - 31%. Basically, mobile communications are paid through applications (66% of operations) and funds are transferred to other bank customers (18%). Payments to the budget and for housing and communal services account for no more than 1%, the number of which can be increased by integration with functions for recognizing payment details. So, the functionality for recognizing the card number in its arsenal has a small number of banks (9 out of 31), and only 6% of RBS providers have QR code recognition by photo. The difference between the functionality of classic systems and mobile banking is significant. As a result, over 30% of banks have a mobile application that still does not allow you to open a deposit and order a debit card.

The expansion of functionality by ranking leaders made it possible to maintain their presence in the top 10. The leader of the ranking this year was the Faktura.ru system, which integrated most of the functions with GIS GMP and GIS housing and communal services. Promsvyazbank improved its position, rising from 8th to 5th line due to the implementation of the function of paying for railway tickets and expanding the list of information available to the client on accounts. Significantly modernized the VTB24 system, which allowed the bank to rise to 7th position. At the same time, we note that banks with underdeveloped systems have a higher level of costs for upgrading and maintaining IT infrastructure than the top 10 ranking. For the period from 01.07.2016 to 01.07.2017, the average share of costs for IT services (symbol 48409 of form 0409102) in the costs of providing activities for banks from the top 10 ranking is 2% versus 2.5% for the rest. This difference in the level of bank expenses is primarily due to earlier investments of market leaders in IT.

The growing popularity of RBS dictates the need to improve regulatory requirements for information security. Against the background of massive hacker attacks in 2017, the introduction with the 01.01.2018 of GOST on information security in banks will increase the protection of online operations and increase the degree of customer confidence in remote services. However, the speed of implementation by banks of the requirements of the standard will be limited by budgets for maintaining the IT infrastructure and the slow pace of implementation of the recommendations of STO BR IBBS-1.0. According to the Bank of Russia, as of April 1, 2017, only 266 banks and NGOs out of the existing 581 assessed compliance with the standard by both third-party organizations and their own. The introduction of anti-fraud systems can also increase the protection of remote access channels: in the 1 half of 2017, the share of banks using anti-fraud increased to 71% from 57% in 2016. At the same time, 29% of banks of the system are able to learn on the basis of behavioral analysis of customer transactions.

Rating of Internet banking functionality for individuals

Rating of mobile banking functionality for individuals

Elements of artificial intelligence in RBS

Experts are confident that elements of artificial intelligence will become mandatory for each bank in the near future. The very concept of minimum functionality will expand significantly - and self-learning financial analytics systems will enter this minimum. The market has changed, technologies have changed, and, most importantly, customers have changed. Now they need deep personalization - and it is impossible to make the application truly customized, personal and convenient for each specific client without artificial intelligence^[5].

2016: RBS value in Russian banks

On November 1, 2016, Vedomosti published the results of a study of the cost of remote services (Internet or mobile banking) in 30 banks with the largest number of online clients. The study was conducted by Markswebb Rank & Report.

Comparing the possible losses of customers of various banks, analysts identified three typical profiles of an active user of RBS based on their own research of users of electronic financial services^[6].

Having studied the tariffs of 30 banks, analysts came to the conclusion that the cost of remote service for customers is more influenced by one-time fees for transfers to third-party banks by card number (range from 0.5% to 2%) and account number (range from 0.1% to 1%, are not charged at Tinkoff Bank, Citibank and Credit Europe Bank).

Intra-bank transfers are free at all 30 banks, if there are restrictions: Sberbank charges a commission for transfers to a card issued in another city.

Subscriber payments for connection and maintenance of RBS channels are absent in almost all studied banks. In 28 out of 30 banks there is no fee for connecting an Internet bank and using the service. An exception is UBRD - servicing an Internet bank costs 100 rubles. in year.

The results of the study showed that Tinkoff Bank provided the most democratic remote service conditions among 30 banks in October 2016. Customers here do not even pay for a transfer to another bank by card number, with the total amount of interbank transfers by card number within 20 thousand rubles. per month.

According to the agency, the monthly commission costs of clients of RBS of Russian Standard Bank are small - they pay only for transfers to another bank by card and account number, as well as Home Credit Bank, which has a low fixed commission for transfer to another bank by account number.

It turned out that remote service of selected customer profiles in the largest banks is more expensive than the average, for example, in Sberbank, where more than 80% of all online clients of banks are concentrated.

The researchers noted: Sberbank is among the banks with the largest commission for transactions of transfers to other banks by account number - 1%. Fees for other transactions that affect the total cost of service - transfers to other banks by card number, simplified repayment of loans from other banks - at a level not lower than average. Together, this gives a high overall cost of maintenance.

Vostochny Bank has one of the most expensive RBS for fmzlitz, concluded Markswebb Rank & Report (Markswebb Rank and Report). The bank charges a fairly high, compared to other banks, commission for transfers to other banks by account and card number, repayment of loans, payment of housing and communal services and the only one charges a commission for paying for a city phone.

Losses of bank customers on commissions for online payments, rubles. per month

2013

Priority areas for the development of RBS systems

In November 2013, the company Technoserv Consulting"" presented the results of a study of the Russian remote banking service retail customer market. The survey showed that more than half of banks are satisfied with their systems, RBS not having the functionality and characteristics that are assigned the highest importance. The priority direction for the development of RBS systems in the near future is personal finance management (PFM). It is in this area that 43% of banks will invest by the end of 2015.

Russian banks highly appreciate the possibilities of RBS for business development. The vast majority of banks develop RBS systems in order to attract new customers and increase profits, as well as improve the quality of their services. Another half of banks see reserves in RBS to optimize expenses, and 11% even counts on staff reductions. These conclusions were made as a result of a study conducted by the analytical company in4media/Forrester Russia commissioned by Technoserv Consulting in August-November 2013. Participants in the study were 60 top managers and heads of retail business, mobile and Internet banking, electronic payments TOP-200 Russian banks according to RA Expert.

The lion's share of the surveyed banks (93%) offers their clients an Internet bank, while only 70% have a mobile bank. Personal Financial Manager (PFM) is still a rare option in Russian RBS and is a unique advantage of only 23% of banks. At the same time, PFM is the hottest area of ​ ​ remote banking development. Until 2015, 41% of survey participants plan to invest in this area.

Quite exactly, Russian banks assessed the importance of the characteristics of RBS systems. The most important from their point of view is the integration of remote banking with CRM systems (4.4 points on a five-point scale). It is also important to adapt the interface to different user groups (rating 3.9) and the presence of PFM (rating 3.5). The complexity of the platform and the implementation of all the necessary functions on its basis received an average priority from the survey participants (score 3.3).

A new trend is gaining momentum in Europe - RBS systems for individuals and small businesses are merging. In the Russian financial sector, opinions were divided on the need to combine these functions. The perspective of this approach was supported by 57% of the surveyed banks, while the remaining 43% are confident in its lack of demand.

When planning the introduction of IT remote banking systems, 33% of respondents rely on ready-made "box" solutions. Unique systems created in-house are used by 25%, and 37% of banks assigned this task to external suppliers. RBS according to the SaaS model is used only in 5% of cases.

e-Finance User Index

In November 2013, the analytical agency Markswebb Rank & Report presented the results of the e-Finance User Index 2014 - the first wave of research on users of electronic financial and payment services in Russia. The study is based on a representative survey of more than 3 thousand respondents. Key findings of the study:

• 19.6 million people make at least one payment transaction on the Internet every month.
• 19.4 million people use online, mobile or SMS banking.
• 15.4 million people use Internet banking. At the same time, almost ¾ of these people use the online bank Sberbank Online.
• 11.7 million people make payments through an online bank in a month.
• 8.9 million people pay on the Internet with a bank card.
• 7 million people make online payments using electronic wallets.
• 6.6 million people make at least one online payment from a mobile device in a month.

830 billion rubles - turnover of payments through Internet banking

According to J'son & Partners Consulting, the turnover of the EPS market in Russia in 2013 amounted to 2.4 trillion rubles, showing an increase of 27% compared to 2012. The turnover of payments through remote banking services (RBS) in 2013 amounted to 0.8 trillion rubles, or 35% of the turnover of the EPS market. According to the company's forecasts, in the next 5 years the share of payments through RBS will increase annually and by 2018 will be 50%.

The turnover of payments through Internet banking in 2013 amounted to 830 billion rubles, while the turnover of payments through SMS banking and through mobile banking was almost at the same level - 11 billion rubles. Such a significant superiority of the turnover of payments through Internet banking is associated with several reasons, among which one can distinguish: a larger number of users, a different structure of payments (see Chart 4). According to our forecasts, the turnover of payments through the considered RBS services will increase rapidly - the average annual growth rate from 2013 to 2018 will range from 24% to 29% (depending on the service).

According to J'son & PartnersConsulting, the number of users who made payments through online banking increased by 29% over the year to 13.1 million people. The number of users who made payments through mobile banking and SMS banking in 2013 was significantly less. Among the reasons are higher consumer confidence in Internet banking on the one hand and broader functionality of Internet banking (as a rule) on the other.

The structure of payments through different RBS services varies significantly. So, if the main turnover of payments through SMS-banking is generated by paying for mobile services, then the main share of the turnover of payments through Internet banking is money transfers (including replenishment of electronic wallets).

According to J'son & Partners Consulting, the number of users who made payments through online banking increased by 29% over the year to 13.1 million people. The number of users who made payments through mobile banking and SMS banking in 2013 was significantly less. Among the reasons are higher consumer confidence in Internet banking on the one hand and broader functionality of Internet banking (as a rule) on the other.

The market for payments through remote banking services is developing at a faster pace.

According to J'son & Partners Consulting forecasts, the share of payments through RBS in the total turnover of electronic payment systems will increase from 35% in 2013 to 50% in 2018.

Internet Banking Rank 2013

The analytical agency Markswebb Rank & Report (Markswebb Rank and Report) has published the results of its annual study of the effectiveness of Internet banking services of individuals Internet Banking Rank 2013, conducted in March-April 2013.

For the study, 40 Internet banking systems operating in Russia were selected, 30 of which represent the top 30 Russian banks with the maximum total portfolio of loans and deposits of individuals. Another 10 Internet banks were selected by experts. The purpose of the study is to increase the level of Russian remote banking services.

In general, the Markswebb Rank & Report study fixes two main performance parameters: the presence of a particular functionality (that is, a fundamental opportunity to solve a certain problem of the bank's client); usability (that is, whether the client can take advantage of the available functionality, how long it will take him to do so, and whether he will be satisfied).

The agency's experts have compiled a checklist that includes more than 470 criteria that determine the functionality, convenience of interfaces, security settings and information support factors for users. To participate in the testing, 25 respondents aged 18 to 60 years with different experience in using Internet banking systems were invited. During testing, each respondent consistently performed 6 typical tasks (logging into an Internet bank, searching for information about transactions, paying for a receipt, transferring funds to an individual to another bank, searching for details to receive a transfer from outside, simplifying repeated payments) in four different Internet banks. Based on the results of the tasks, the respondent rated Internet banks and underwent questionnaires.

Thus, the Internet banks Alfa-Bank, Банка24.ру and Bank St. Petersburg became the best in terms of overall efficiency. In turn, the Russian Standard Internet bank became the best in terms of functionality. The best in terms of usability were the Internet banking services of Alfa-Bank, Банка24.ру, Bank St. Petersburg and TKS Bank.

Rating of efficiency of Russian Internet banks Internet Banking Rank 2013

According to the results of testing, all Internet banks received: total score - from 0 ("worst Internet bank") to 100 (ideal Internet bank); assessment of functional capabilities - on a scale from C (individual basic capabilities) to AAA (maximum full capabilities); and an assessment of usability - on a scale from 1 (completely inconvenient) to 5 (very convenient).

"Most of the Internet banks studied fully implement payment functionality, but have an average level of ease of use," Markswebb Rank & Report noted. - It can be assumed that the next qualitative stage of the development of Russian Internet banking will consist, on the one hand, in updating and rethinking the interfaces of existing payment opportunities, and, on the other hand, in introducing opportunities to connect new services (issue bank cards, apply for loans, connect mobile services, etc.) without visiting the physical branch of the bank, which is often already implemented on corporate websites of banks. "

Distribution of banks by functionality and usability

The study showed that there is a direct relationship between the completeness of functionality and usability - the more opportunities an Internet bank offers, the more convenient its interface on average. This is probably due to the objective need to organize and rank a large amount of information and forms of operations, which inevitably leads to a general increase in the quality of interfaces, navigation and information search, experts at Markswebb Rank & Report believe.

"However, there are exceptions to this observation. Thus, Citibank Online, having functionality at the level of the best Russian Internet banks, has one of the lowest usability ratings. On the other hand, the Internet bank "TKS Bank," having an average rating of functionality, is simultaneously one of the most convenient Internet banks in Russia, "the company said

2012

J'son & Partners Score

According to J'son & Partners Consulting estimates, the turnover of the Internet banking market in Russia in 2012 amounted to 591 billion rubles, showing an increase of 39% compared to 2011. At the same time, 75% of payments through Internet banking were money transfers.

By 2017, the turnover of the mobile banking market will reach 1.8 trillion rubles.

RBS customers in Russia lost $446 million per year (-9%)

In 2012, about 9% less money was stolen in remote banking systems in Russia than a year earlier. This was announced in September 2013 in its report on the state of cybercrime in the country by Group-IB, a company specializing in the investigation of computer crimes.

According to the company, in particular, in 2012, Russian clients of banks through RBS systems lost about $446 million, while in 2011 the same amount was $490 million. The average amount of theft from bank clients committed by cybercriminals was about 75 thousand rubles. for individuals and about 1.6 million rubles. for legal entities, calculated in Group-IB.

To estimate the volume of fraud in Internet banking systems, the company's specialists used a formula that takes into account the number of active criminal groups engaged in such activities, the average number of successful thefts per day, the average amount of thefts and the number of working days per year, since thefts are committed exclusively on business days. To assess the volume of fraud, the company used data obtained from its own practice from the Central Bank and other financial organizations.

The decrease in the volume of funds stolen through RBS systems in 2012 in Group-IB is associated with several factors. One of them in the company is called the liquidation of a number of large criminal groups. The new groups that replaced them could not achieve similar success, explains the founder and head of Group-IB Ilya Sachkov.

Among other factors, he notes the introduction of anti-fraud solutions by the largest banks in Russia and the organization of an interbank list of drops - the exchange of information about persons and organizations involved in cashing out stolen money, which allows you to stop fraudulent operations on time.

Among the main trends in 2012 in terms of theft of funds through RBS systems, Group-IB notes the use of POS terminals used for bank card payments in retail outlets and catering centers in Moscow and other large Russian cities. According to the company's specialists, the software necessary for stealing these bank cards often helps to install one of the employees of the outlet itself. There are also proposals for the sale of modified POS terminals that are ready for use for criminal purposes.

The specific names of retail outlets in Moscow, where similar incidents took place in 2012, Ilya Sachkov chose not to voice, noting only that the more popular the point and the more bank card transactions it makes, the more likely it is to run into an infected POS terminal.

Attacks through banking mobile applications are called another key trend in Group-IB. Thus, in 2012, fake applications that allowed receiving bank card data from Sberbank and Alfa-Bank clients for smartphones based on Android OS were discovered and withdrawn from the Google Play online store .

According to the results of 2013, one should hardly expect a decrease in theft through RBS systems, Ilya Sachkov told TAdviser.

Turnover through Internet banking 591 billion rubles (+ 39 %)

According to J'son & Partners Consulting experts, in 2012 in Russia auto payments accounted for 3.7% of the turnover of payments through remote channels, while in 2011 this figure was at the level of 3%.

In 2012, in Russia, the turnover of the online banking payments market amounted to 591 billion rubles, showing an increase of 39% compared to 2011. The turnover of the mobile banking payments market amounted to 8.1 billion rubles, which also increased by 39% compared to 2011. The market turnover in paying for services and services using SMS banking amounted to 6.8 billion rubles (an increase of 47%). At the same time, payment for passenger air transportation currently occupies more than half of the remote payment market, a quarter of the volume falls on hotels and holiday homes, about 13% - on railway passenger transportation.

Among the largest players in the auto payment market, Sberbank is the most active, having increased its share of turnover by 11 percentage points from 2008 to 2012, which allowed it to occupy 46% of the auto payment market by the end of 2012. At the same time, a little less than half of all users who have an activated auto payment are clients of Sberbank. The share of Alfa-Bank and VTB24 in the auto payment market by turnover decreased annually and by the end of 2012 amounted to 13% and 7%, respectively.

Three quarters of Russians not only do not use mobile and Internet banking, but do not even know about the existence of such services. This is evidenced by the results of the latest survey conducted by the Public Opinion Foundation (FOM).

According to Lyudmila Presnyakova, director of the Man and Money project at FOM, only 13% of our compatriots have experience in at least a single access to the Internet banking service, and 14% of Russians used the mobile bank service at least once. At the same time, only 5% are regular users of Internet banking services, only 3% regularly contact the services of a mobile bank.

Experts believe that the current state of affairs is partly to blame for the banks themselves, which do not pay due attention to the development and promotion of mobile and services. Moreover, the level of penetration of Iternet among the population of Russia is already approaching 50%, and in terms of the growth rate of the Internet audience, our country is ahead of Europe.

Another reason for the low use of mobile and Internet banking among our citizens is the lack of understanding of the possibilities of new technologies by potential users. Most are completely lazy to understand them. Restrains the development of mobile and Internet banking and the fear of being in the networks of cyber fraudsters.

However, not everything is so bad. As Lyudmila Presnyakova said, since September 2011, the share of clients regularly using the Internet bank has doubled. Growth factors will be the development of online commerce and the increasing demand for paid services.

70% of banks provide Internet banking service

A study conducted by Markswebb Rank & Report in early 2012, in which 200 of the largest Russian retail banks took part, illustrates the situation with remote banking in Russia from the point of view of credit institutions. So, according to the study, 83% of the banks studied offer their clients certain possibilities for managing an account using a computer connected to the Internet, through a mobile device, as well as via SMS.

70% of banks provide an Internet banking service, within which a client can access his bank account from a computer and conduct various transactions: transfer of funds, making payments, payment via the Internet for various goods and services.

At 80% of banks providing Internet banking services, accounts are accessed through their own website.

52% of banks provide SMS banking service and 27% of banks provide mobile banking service.

Among the peculiarities of the behavior of Russian bank card users, experts note a relatively small number of transactions carried out using plastic cards through an online channel. The main transaction that users carry out using bank cards is still the withdrawal of cash from the account. Among the services related to remote work with accounts, the highest share of use falls on the two largest Russian cities - Moscow and St. Petersburg. In other regions, this indicator remains low.

2011

AnalyticResearchGroup

The Russian remote banking market is still significantly behind the markets of Europe and the United States. If we talk about Internet banking, then the total number of active users of this direction in Russia is only about 1.5 million people - just over 1% of the total population, or 4.6% of the audience of the Russian Internet (data for 2011). At the same time, the growth rate of the number of Internet banking users in the Russian Federation is currently about 100% per year, while, according to analysts of the RBS market, the growth potential may reach 400%.<

Over 4.7 million enterprises of various forms of ownership and more than 6.5 million corporate bank accounts are registered in Russia.

As shown by a study of the RBS market for legal entities conducted by AnalyticResearchGroup specialists, among the currently existing technologies for interaction between banks and corporate clients, the most popular are RS banking (classic bank-client scheme), Internet banking (Internet banking services) and call centers. Telephone banking technology is noticeably less common. SMS banking in this key is implemented for the purpose of client authentication, as well as as a tool for the request and notification system. Mobile banking and ATM banking are extremely rare - technologies that are more characteristic of the private banking segment. In recent years, there has been an increase in the share of payments made by legal entities electronically. For example, in the 1 quarter of 2008, 60.9% of payment documents were sent to banks by legal entities through the Bank-Client and Internet-Bank systems, while in the 1 quarter of 2011 - 34.5% and 41.8% payments, respectively. Thus, in the 1 quarter of 2011, the share of payment documents transferred by legal entities to banks electronically amounted to 76.3% (15.4 pp higher than the same indicator in 2008).

comScore

According to the comScore study (spring 2012), 423.5 million Internet users (which is 28.7% of all Internet users) use online banking websites. The share of online banking services is growing by almost 3% annually. More than 45% of North American internet users use online banking services, the highest rate worldwide. According to the results of the study, Europe ranks second with an indicator of 37.8% of the total number of European Internet users who control their finances online. Latin America ranks 3rd with 25.1%. In other regions, which were not included in the top three, there is an annual increase in demand for online banking service. For example, in the Asia-Pacific region, this indicator increased from 5.1% to 22%. However, there are regions in which there is a decline in the use of online banking services: these are, for example, countries in the Middle East and Africa, where this indicator decreases annually by 0.4%.

CNews Analytics: Leading Providers of RBS Systems for Banks

In September 2011, CNews Analytics summed up the results of the next annual study of the market for remote banking systems (RBS) for individuals and legal entities in banks operating in the Russian Federation. The leaders in this market are one of the amazing constants for the domestic IT industry. At the same time, from year to year they manage to progressively increase their share of presence - by reducing the volume of their own development.

[1] During the CNews Analytics study, data on the use of RBS systems in the 100 largest banks of the Russian Federation for assets and banks with 100% participation of non-residents operating in the Russian Federation as of 01.01.2011 were collected.

The first place in the share of implemented RBS systems of legal entities among banks The top 50 belongs to BSS - 62.6% of installed applications. Recall that a year earlier, its indicator (also confirming position No. 1 in this sector) was 54.3%. In second place is Bifit with a total share of 11.7%. The third place is occupied by systems of its own design - 10.7%. A year earlier, its own development ranked second with a share of 15.4%.

BSS also ranks first in the Top 100 banking segment - 55.6% of all installed applications (48.4% a year earlier). The second place is taken by the Bifit company - 13.9%, the third - by systems of its own design (13.4%). Similarly, as in the Top 50 segment, over the year the share of the latter decreased - previously it was 17.5%.

The RBS system of individuals is used in 75.8% of Top 100 banks, and its most common options are Internet banking. In this case, the banking sector retains the priority of its own developments - 32.7% (33.6% a year earlier). Among external developers of this type of systems, BSS is the leader with a share of 31.3%, then Compass + (8.7%) and Bifit (8%).

In the market of remote service systems for legal entities in the segment of credit institutions with 100% participation of non-residents, BSS also ranks first - 60.4% of installed applications (according to bank-client systems - 64.4%, Internet client - 57.7%). In second place is again "Bifit" with a total share of 15.3%. The third place is occupied by systems of its own design - 7.9%. The share of other players in the market does not exceed 5% across all systems.

Credit institutions operating on the Russian market with 100% participation of non-residents are more focused on the corporate market. Only 30.4% of them use remote service systems for individuals. Internet banking systems are installed in all banks with this type of service, telephone-bank and mobile bank - in 6.8% of banks each, and only 4.6% of banks use self-service kiosks for individuals. The highest share for all systems belongs to BSS - 32.4%.

2010:10 million accounts of individuals with Internet access

According to the Bank of Russia, the number of accounts of individuals in banks of the Russian Federation with Internet access in 2010 increased 1.8 times - to 10.36 million from 5.7 million, with access via mobile phones - 2 times - to 8.1 million from 4.01 million. The total number of accounts of individuals with remote access, including accounts in rubles, for which non-cash payments have been made since the beginning of 2010, including using settlement and credit cards, increased by 27% - to 57.04 million from 44.9 million.

The total number of accounts of individuals (residents and non-residents) opened with credit institutions of the Russian Federation increased by 6.8% in 2010 - to 532.9 million from 498.8 million. The growth rate of this indicator has been declining in recent years: in 2008, accounts increased by 11%, in 2009 - by 8%. At the same time, the number of accounts opened by institutions of the banking system of the Russian Federation per resident reached 3.8 at the beginning of 2011 against 3.6 a year earlier, 3.3 at the beginning of 2009 and 3-2008. Individuals at the beginning of 2011 accounted for 98.8% of all accounts opened in the banking system of the Russian Federation (539.344 million). According to the Central Bank of the Russian Federation, as of January 1, 2011, 302 banking institutions accounted for 1 million inhabitants, compared to 299 a year earlier and 305 at the beginning of 2009.

The volume of bank payments made by legal entities using payment orders transferred to the bank electronically in the 1st half of 2010 exceeded 101 trillion rubles. (of which 51 trillion rubles. - payments from accounts served through Internet banking systems). In the structure of payments of legal entities, electronic payment documents are leading - through the systems "Bank-Client" and "Internet-Bank" in the 2nd quarter of 2010, 36% and 37% of payments by quantity and 42% and 41% of payments by volume were sent to banks, respectively. According to the analysis of RBS systems for legal entities conducted by AnalyticResearchGroup, in the TOP-20 of Russian banks (in terms of assets), Internet banking systems account for 33% of the offer, Bank-Client systems - 48% (28% with a modem connection and 20% with an Internet connection). The rest of the services account for no more than 20%.

In Russia, about 2.5-3 million people use Internet banking. Meanwhile, 10 years ago, those who turned to such services, among the clients of banks there were 300 thousand. The annual increase in the customer base is 40%.

The penetration rates of this service in Russia are still difficult to compare with Europe and North America, where in some cases about 70% of the population use Internet banking. Nevertheless, we must not forget that the formation of the Russian banking system, as well as the active spread of broadband access to the worldwide network, took place in our country later than in the West.

Therefore, we can say that we have yet to catch up with the RBS sector. However, according to experts, several factors can prevent this: psychology and low financial literacy of the population. For example, about 90% of all Russian cards are debit, not credit.

2009: 1.5 million RBS customers or 1% of the population

The Russian remote banking market is still significantly behind the markets of Europe and the United States. If we talk about Internet banking, then in 2009 the total number of active users of this direction in Russia is only about 1.5 million people - just over 1% of the total population, or 4.6% of the audience of the Russian Internet. At the same time, the growth rate of the number of Internet banking users in the Russian Federation is currently about 100% per year, while, according to analysts of the RBS market, the growth potential may reach 400%.

A powerful driver for a significant increase in the volume of RBS (primarily Internet banking and mobile banking) is the existing customer base of mobile operators and Internet providers. Russians are increasingly using the global network as a payment channel for goods and services: according to data for 2009, 76% of Russian users paid for purchases via the Internet, including 60% using bank cards and 16% using cash or electronic money. And yet, the really massive coverage of the Russian audience with modern financial services is still far away. More than 90% of all Runet users are individuals, and every third user, according to surveys, is ready to manage his bank account via the Internet. Banks often do not see the need to create a full-fledged Internet bank system or consider the development of this area too costly. The most popular services in Internet banking are still replenishment of the mobile phone account, payments for the Internet and housing and communal services. According to market participants, external transfers and replenishment of electronic wallets are becoming more and more popular.

Over 4.7 million enterprises of various forms of ownership and more than 6.5 million corporate bank accounts are registered in Russia. Of these, at least 28% of accounts have remote access. Thus, the RBS market of legal entities is estimated at 1.0-1.3 million enterprises. These companies have opened more than 1.8 million accounts with remote access (including 1.2 million accounts with remote access via the Internet). The volume of bank payments made by legal entities using payment orders transferred to the bank electronically in the 1st half of 2010 exceeded 101 trillion rubles. (of which 51 trillion rubles. - payments from accounts served through Internet banking systems). In the structure of payments of legal entities, electronic payment documents are leading - through the systems "Bank-Client" and "Internet-Bank" in the 2nd quarter of 2010, 36% and 37% of payments by quantity and 42% and 41% of payments by volume were sent to banks, respectively. According to the analysis of RBS systems for legal entities conducted by AnalyticResearchGroup, in the TOP-20 of Russian banks (in terms of assets), Internet banking systems account for 33% of the offer, Bank-Client systems - 48% (28% with a modem connection and 20% with an Internet connection). The rest of the services account for no more than 20%.

See also

• Remote Banking Systems (Global Market)
• Secure RBS system
• Catalog of RBS systems and implementation projects in Russia

Notes