TAdviser Review: IT in Banks 2021

Modern banks strive to become as "fast and smart as possible." This means that when they go online, they must be able to use the most modern intelligent data processing capabilities, and in real time. Oleg Baranov, managing partner of Neoflex, told TAdviser about how banks solve this ambitious task.

At the very beginning of the Quick Payment System (QSS), there were fears that money transfer operations without the consent of the client using the QSS or operations to obtain information about the client by the QSS participant could be used in the future to transfer funds without the consent of the client or other criminal practices. But these problems were solved within the framework of a two-level antifrode system: at the level of the NSPK and at the level of participating banks. According to the current edition of the standard of the CCP SBP "Procedure for conducting measures to counter," from April 2021, all banks participating in the CCP should implement the organizational and technical measures described in the document to protect operations. Banks, having assessed risks, are actively connected to the Quick Payment System. Vasily Okulessky, Deputy Head of the Information Security Service of Vozrozhdenie Bank, and Fazzi Lojik Labs, Technical Director Sergey Parfyonov and Tagir Kudashev, Head of the Software Implementation and Maintenance Department, spoke about the project to introduce the antifrode system at Vozrozhdenie Bank zhdenie.

A modern virtual assistant is a worker assistant for a business without claims to superpowers. While the business does not particularly trust robots, but its customers have expectations, on the contrary, exceed the existing technical capabilities of smart machines. Yuri Ledakov, head of the development of voice products and intelligent services at BSS, told TAdviser about where to look for breakthrough ideas in the field of neurotechnology.

Today it is impossible to find a universal box solution that will satisfy all the current needs of the bank, said Arkady Lobas, CEO of FlexSoft. That is why it is advisable to look not at the finished solution, but to choose a designer that can be easily adapted and adjusted for those financial products that the bank uses.

Questions from TAdviser about the results of the company's work in the banking direction were answered by Alexander Filippov, Director of Business Development at Krok IT Company in commercial banks.

How the field of custom development is evolving, which technologies are now most interesting to financial companies and why the developer should become a business partner for the customer - Viktor Frolov, Director of Business Development at Usetech, answered these and other questions in an interview with TAdviser.

During the period of the coronavirus pandemic, when global problems are unprecedented and the overall economic downturn occurs, COVID-19-related crimes, including fraud, cybercrime, misuse and illicit use of public funds or international financial assistance, are on the rise. Today, banks have to take the initiative and build a system for protecting bank transactions, taking into account changed realities and new threats to cybersecurity (more).

A complex internal process is often hidden behind external simplicity. A fast, easy and understandable application can require many months of hard work, a large project team, complex integrations, and large-scale testing. For example, the application of the Bank Russia "Central Bank online." What's hidden behind his simple interface? Six months of work, full-fledged CRM instead of the usual server part (backend interfaces), implementation in the internal infrastructure of the organization and thousands of pages of documentation. Let's tell you in detail how this application was created.