DD Planet: Выберу.ру

Financial marketplace "Выберу.ру" is a service for comparing and selecting banking, insurance, financial and educational products.

2024

Entry with Gazprom ID

The intelligent authorizations "" service Gazprom ID has become available to log into your personal account financial Marketplace Выберу.ру. With the help of this service, users will Выберу.ру get a safe and fast way to enter the site and this was will protect their data. Operator Gazprom ID (Guide) announced on June 13, 2024. Подробнее #.2A_.D0.98.D1.81.D0.BF.D0.BE.D0.BB.D1.8C.D0.B7.D0.BE.D0.B2.D0.B0.D0.BD.D0.B8.D0.B5_.D0.B4.D0.BB.D1.8F_.D0.B2.D1.85.D0.BE.D0.B4.D0.B0_.D0.B2_.D0.BB.D0.B8.D1.87.D0.BD.D1.8B.D0.B9_.D0.BA.D0.B0.D0.B1.D0.B8.D0.BD.D0.B5.D1.82_.22.D0.92.D1.8B.D0.B1.D0.B5.D1.80.D1.83..D1.80.D1.83.22 здесь.

Add "Credit Rating" to Android App

Выберу.ру has updated the Android app. The developer announced this on January 23, 2024.

financial Credit The "rating" service was added to the marketplace application.

In October 2023, the financial marketplace "Выберу.ру" launched a service that allows the user to find out his credit score without contacting the credit history bureau. This option is now available in the Android app.

With the help of the service, the user can find out what his chances are to get a consumer loan, loan or mortgage, as well as find out which products are suitable for the current credit point and how to improve it.

The service will be useful both for those who already have loans and those who do not have a credit history, but plan to issue a loan in the near future.

It often happens that potential borrowers cannot get a loan or receive it on unfavorable terms due to poor credit history. Even if previous obligations are closed, information about delays remains in the credit history, which affects further relations with banks. We wanted to help users establish relationships with credit institutions and form comfortable financial habits. Now the service is also available in the application so that it is more convenient and easier to use it, "said Anna Romanenko, director of the communication policy department of the financial marketplace" Выберу.ру. "

2023: The emergence of the fast authorization function through the Tinkoff ID service

On January 20, 2023, the company DD Planet announced that financial Marketplace Выберу.ру had implemented an opportunity on the site login through a service Tinkoff ID launched. bank Tinkoff Thanks to this option, it has become easier and faster for Tinkoff ID owners to go to the Выберу.ру website and send applications to banks: most fields data with are filled out automatically.

Выберу.ру users can now log on to the marketplace without entering an email and password. To do this, click on the "Log in with Tinkoff ID" button, available on the login page along with the standard authorization form. An SMS with a confirmation code will come to the specified number.

Tinkoff ID login is secure with up-to-date encryption and multi-step smart login to protect your data. This authorization method allows you to easily and quickly apply for a loan, mortgage, credit card or loan. Most of the fields that previously had to be filled out manually will already be filled out by default - it remains only to send an application to the bank or MFIs.

Partnership with Tinkoff helps improve customer service. To use the services of the marketplace, you can not remember the mail address and password. Convenient authorization allows you to log in in a couple of seconds. And to apply for a loan, you no longer need to spend a lot of time, the service automatically fills out an application for a user, noted Yulia Dengina, product director of "Выберу.ру."

2022

Launch of artificial intelligence "Valera"

The financial marketplace "Выберу.ру" on December 5, 2022 announced the launch of Valera's artificial intelligence.

Valera AI shows personal recommendations, compiles ratings of financial products and determines the tone of reviews.

Artificial intelligence accompanies users at all stages of product selection. Studies the behavior of site visitors and, based on aggregated data, recommends credit products with the most favorable conditions and a high probability of approval. When issuing an application, the user receives a personal selection of proposals suitable for him.

Rates products presented on the site and calculates ratings: loans, mortgages and deposits. Artificial intelligence takes into account many signals and characteristics in order to distinguish the most reliable among similar proposals.

Analyzes thousands of customer reviews and determines the tone. Regardless of the score that the user gave, the AI evaluates the text of the review - this is how you can find out how people really feel about the bank, even if they accidentally or deliberately gave the wrong rating.

It is based on classical algorithmic machine learning (logistic regression, SVD) and neural network algorithms for natural language processing (T5, BERT).

The idea of ​ ​ recommendation services based on mathematical algorithms is actively used by banks. We also work in financial matters, and it is important for our users to receive personal offers on interests. To choose financial products was simple and at the same time boring, we decided to create artificial intelligence with a human face. It is no coincidence that such a sonorous name was chosen - there are many associations with him, - said Yulia Dengina, product director of the financial marketplace "Выберу.ру."

Replenishment of products with insurance against accidents, insurance of mortgages and real estate

The financial marketplace "Выберу.ру" announced on August 8, 2022 about the update of the insurance section. After the redesign, updated insurance categories were added, and the possibility of choosing products became more convenient.

The service aggregates all insurance products for different occasions. Earlier, the "Выберу.ру" was already attended by E-MTPL, Casco, insurance, and travel VHI insurance from. In coronavirus July 2022, three categories were added: accident insurance, insurance and. mortgages real estate Next, corporate insurance will appear.

The site catalog includes 136 insurance companies, including AlfaStrakhovanie, Ingosstrakh, Rosgosstrakh, VSK Insurance House, SOGAZ and others. The site also presents a rating of the reliability of insurance companies and customer reviews about products.

The insurance section is one of the largest on the "Выберу.ру," the product line is the second largest after the banking segment. The user of the site can compare the conditions of all insurance companies and apply for the design of the selected product. An electronic policy can be bought online, told Yulia Dengina, product director of "Выберу.ру."

Launch of platform for Kazakhstan

Financial marketplace "Выберу.ру" launched a platform for. Kazakhstan The partala development company announced this on August 1, 2022. On it, you can compare and select the products of Kazakhstani banks and MFIs: debit and, credit cards credits deposits, mortgage and microloans for individuals, as well as settlement and cash services for business.

At the beginning of August 2022, 40 credit institutions kz.vbr.ru represented on the website: popular banks in Kazakhstan Halyk Bank, Kaspi Bank and ForteBank, microfinance companies MoneyMan, Credit365, Tengo and others. In total, 80 deposits, 65 debit cards, 30 mortgage programs, 41 consumer lending options, 19 credit cards, 19 car loans, 28 microloans, as well as 25 RKO tariffs for business are offered. You can open a bank account in tenge, a deposit - also in rubles, dollars or euros.

The debit card catalog includes several dozen options with free service, including cards for non-residents. Five banks offer mortgages at 7%, there are offers from 0.1%.

In 2022, we expanded the geography of the financial marketplace to the CIS market. The first launched the regional version of the site for Kazakhstan. We see there a high demand not only for cards, but also for deposits, loans and microloans, including from our compatriots who find themselves abroad or want to open an account with a foreign bank. Therefore, we launched on the site all the most popular categories for individuals, as well as a section with settlement and cash services for companies, - said Yulia Dengina, product director of Выберу.ру.

The service allows you to compare the conditions of different banks and MFIs, choose the necessary options using an online calculator and leave feedback on financial institutions. The site also contains an information section with news about the financial market of Kazakhstan.

Launch Financial Analytics

On April 26, 2022 financial , the Выберу.ру marketplace announced that it had combined all analytical instruments into the Financial Analytics section. Since 2015, banks insurance the service aggregates offers, microfinance organizations and on their basis builds its own analytics. As of April 2022, it takes into account more than 10,000 financial products.

Financial analytics

Выберу.ру indices calculate the weighted average interest rate on all bank products for a specific period of time. There are two indices: deposits and mortgage loans. They allow you to track the dynamics of rates, as well as determine how profitable a particular product is relative to the market level.

For deposits, interest rate charts are available for all products up to 90 and 180 days, up to 1 year and more than 1 year. For mortgages - up to 5, 10, 15 and 20 years. The index takes into account offers in all banks, it is also possible to build separate graphs for the top 10, -20, -50 and -100 banks.

The site presents rates of all world currencies, the most popular are included in the analytical section. Users can assess how they have changed over the past week, month, six months, year and 5 years. By default, the service shows the dynamics of the official rate of the Central Bank, and when clicking on a specific currency, rates are available in banks. So, you can find out how much the dollar or yuan cost five years ago, and at what rate they were sold by Sberbank or other banks.

Ratings have been formed since 2017 on the basis of real proposals from banks. Every month, the site updates the lists of the best products in 6 banking categories: deposits, mortgages, credit and credits,, as debit cards car loans well as microloan ratings.

In addition, in the section "Financial Analytics" you can see data on a specific bank: how often it gets into the ratings, how many products entered the top 10, how many - took first place.

"We daily update information on all banking products on the site and have accumulated a decent amount of data over 6 years that can be useful to consumers, the media and financial institutions. In the future, we plan to expand the section with indices of other banking products: loans and car loans - as well as to display the average assessment of the customer orientation of banks based on reviews on the site, " told Yulia Dengina, Product Director "Выберу.ру "

2020

Inclusion in the list of socially significant resources of the Ministry of Communications of the Russian Federation

In 2020, the independent service for comparing financial products "Выберу.ру" was included in the list of socially significant resources of the Ministry of Communications of the Russian Federation.

The main mission of the service is to help consumers of financial services make informed choices, save on daily and one-time expenses, and companies and banks - to be closer to customers - potential and current.

Integration with Rosbank's digital mortgage platform

Fintech service "Выберу.ру" Rosbank and launched a partner service that allows you to apply for mortgage without personal visit. bank This was announced on September 14, 2020 by the company. DD Planet Implementation - ITintegration designed to help users quickly solve problems related to the purchase of housing during the period of restrictions.

Mortgage became the driver crediting in 2020; during the 2nd quarter, the number of online applications increased by more than 25% (by). to data NBKI The speed and accuracy of the borrower's data is critical to the approval process. The project partners - Выберу.ру and Rosbank Dom - have developed an IT toolkit that provided a secure data transfer protocol with time savings in exchange and verification information of the borrower. With the help of the implemented - API integration, an online application issued for "Выберу.ру" is created in the partner bank system without unnecessary iterations and goes to work for managers. For online mortgage applications, such examples of cooperation are still isolated in the financial market.

Thanks to a convenient interface, filling out an online application to the bank will take a matter of minutes. The user selects any of the 17 Rosbank Dom programs in 5 real estate categories. The built-in chatbot helps to fill out the mandatory fields of the online application - to enter personal data, email, phone number and indicate the region. At the same time, the user "Выберу.ру" can be in a city where there is no physical presence of the partner bank, which will not prevent him from applying for a mortgage in the selected region.

The goal of the partner API integration is to reduce the path of the future borrower to financing their own housing. The mortgage section "Выберу.ру" contains all areas of mortgage lending, including refinancing, family mortgages and programs with state support. The Выберу.ру calculator makes a preliminary calculation of the most profitable program for individual parameters specified by the user: real estate value, down payment, loan term and a number of other important conditions. At this stage, the user independently analyzes offers for the rate, the amount of overpayment and studies ways to save on buying real estate. The amount of savings is very simple to calculate - you just need to replace certain parameters (loan term or down payment), and the user will instantly see the recalculation of monthly payments, as well as the total cost of the loan. A balanced choice helps to make the useful functionality of the site - the mortgage index and useful tips of the "Assistant" section.

Together with Rosbank, we implemented a technological solution that provides us with competitive advantages and additional opportunities for people - our customers. The first product that was implemented in API partnership with Rosbank was the mortgage - primarily because mortgage lending is at the peak of demand. More than 2.5 million people visited the section, and in July-August 2020, more than 150 thousand visitors to the Выберу.ру portal used the Preferential Mortgage calculator. Moreover, requests were made not only from Moscow and St. Petersburg. Residents of Novosibirsk, Rostov-on-Don, Kazan and Yekaterinburg were active, "said Yaroslav Badzhurak, commercial director of Выберу.ру.

{{quote 'Integration with Выберу.ру is part of Rosbank's global initiative to implement the Open banking strategy. We offer an open API for mortgage products to players in the real estate, finance and fintech markets, startups. Through a joint project, customers now have a convenient opportunity to purchase housing for every taste using Rosbank's digital mortgage platform, "said Igor Dmitriyev, head of the Rosbank digital partner business center. }}

Launch of "Business and IP" section

The fintech service "Выберу.ру" in August 2020 launched a thematic section of the site - "Business and Individual Entrepreneurs" with a listing of bank offers to small businesses and individual entrepreneurs. 244 products are collected in the functionality of the pages "Loans for business," "Business cards," "Deposits for business," "Settlement and cash service." Entrepreneurs promptly send online applications for opening an individual entrepreneur or LLC account to the bank, choosing a suitable tariff from 176 plans of 60 credit institutions. About this DD Planet (Siemes Planet. Development) announced on September 3, 2020.

As statistics show, the most popular visitors are the RKO section with the service "Open a current account." The information in this section is updated daily. Filters "IP," "LLC," "Open an account online," "With free service" are active. The visitor has access to "Selection of RKOs" with free account opening, options for favorable tariffs for individual entrepreneurs. "Выберу.ру" allows you to analyze RKO tariffs for legal entities in different banks.

"How to choose a bank?"; "How to choose a tariff, depending on the profile of the LLC or individual entrepreneur, the volume of cash turnover?"; "How to draw up an agreement?" - using the information collection "Выберу.ру," the visitor will find all the information and recommendations he needs. The service will help compare the amount of commission for withdrawing or depositing cash, compare the number of free and cost of paid transactions, the capabilities of an Internet and mobile bank, the ratio of additional services - collection, a salary project, renting an online cash desk, and accounting.

Выберу.ру has begun to develop a financial section for small businesses and individual entrepreneurs, well understanding the expectations of this segment. We talked a lot with banks, business representatives and were sure that our plan - a section for entrepreneurs - would be in demand, and were not mistaken. Almost 10% of traffic to the site is requests related to SME topics. Thanks to the service, visitors to "Выберу.ру" save time - there is no need to collect gigabytes of information and go to the bank's office to issue an application for RKO. Deciding on the choice is easier remotely, - summarizes the product director of "Выберу.ру" Yulia Dengina.

Monthly audience of users - over 1,000,000 people

The monthly audience of project users as of February 4, 2020 is more than 1,000,000 people.

The service base includes more than 500 banks, 144 insurance companies, 128 microfinance organizations, 75 non-state pension funds, thousands of current proposals.

Lightweight design, improved bank calculators and newsfeed

"Выберу.ру" entered 2020 with a lightweight modern design, improved bank calculators and a news feed, was replenished with additional functionality and became even more convenient for users. The use of react components in the site structure made it possible to significantly increase the speed of page loading. This was announced on February 4, 2020 by DD Planet.

The main page of the site "Выберу.ру" has undergone significant changes in terms of design and presentation of functionality. Only the most important information remained on it: hidden calculators, exchange rates, the latest news, bank ratings, a selection of tips and recommendations from portal experts.

The main sections ("Deposits,," MortgageCredits"," Maps"," "" and Insurance"Loans") were displayed in the form of quick access buttons. Below are a selection of the best offers according to the version of users of "Выберу.ру" and customers of banks - this is another solution for developers that will help not to scroll through the site, but immediately find a profitable product.

We update each section. The first was the Credits page. The visitor enters the section and meets with a credit calculator and selection of ready-made solutions. The page responds to popular and pressing user requests: refinancing, cash loans and secured real estate, without certificates and guarantors, programs of leading banks and even for customers with poor credit history, comments Выберу.ру Product Director Yulia Dengina

The updated site is built on a microservice architecture, bank calculators - on react components. In practice, this means faster operation and fault tolerance. The page loading speed has increased, to data Google according to Page Speed, by several dozen percentage points and at the beginning of February 2020 is 83 out of 100.

When developing the backend of our platform, we use the latest version of the framework from the company Microsoft - ASP Net Core 3.1. Migrating to this framework brought us not only high performance, but also a lot of capabilities, for example, the ability to run our high-load services on high-speed ones - Linux but servers we went even further and packed our platform into Docker containers and launched it on a cluster of Linux servers, using orchestration technologies we achieve easy scalability and fault tolerance. But we pumped the frontend not only using the latest version of ASP Net Core, but also did integration with React, which allows us to make dynamic and responsive interfaces for user interaction, tells the leading developer of "Выберу.ру" Vladislav Priymak

The project is among the leaders in finance in terms of page loading speed, number of views and visit time. Over the past year, the audience has grown 2 times. In the future, we plan to create a full-fledged comfortable ecosystem, within which a person who does not have a financial education will easily analyze and combine bank offers and choose the optimal solution, comments CEO of IT company DD Planet, creator of the service "Выберу.ру" Grigory Burdenko

Links

Service Link Выберу.ру