Diasoft Digital Q.UP (Digital Q.Unified Platform)

The task of the Digital Q.Unified Platform (formerly Digital Q.Omnichannel) development platform is to support business processes for the sale of products and services of financial organizations in digital channels, offices, through an ecosystem of partners. To implement it, several products have been implemented within the platform.

2024

Expanding the capabilities of the product "Interaction with the BKI"

In accordance with the law, Russian banks are obliged to upload information on the introduction, approval, issuance or refusal of loan applications to the BKI. From October 1, 2024, information exchange with the BCH is carried out in the Unified Technical Format (XML) in accordance with Regulation No. 758-P as amended by Directive No. 6551-U. Diasoft announced this on October 23, 2024.

To provide customers with a convenient tool for information exchange with BKI in a new format, Diasoft has expanded the capabilities of the Interaction with BKI product. The product allows you to automate the exchange of data with the BKI, the formation and receipt of credit histories (CI) and other information about existing and potential clients of the bank.

Now in the product "Interaction with BKI" it is possible to manually enter data to send the information part on loan applications and upload them to fulfill the requirements of the legislation (Federal Law No. 218-FZ of 30.12.2004).

As a rule, the product "Interaction with BKI" is implemented as part of the solution "Credit Conveyor," designed to complex automation of the processes of selection and issuance of credit products. At the same time, the introduction of the "Credit Pipeline" is a long and labor-intensive process. Therefore, to solve the problems of information exchange with the BKI, we offer a simpler method - the use of manual input functionality in the product "Interaction with the BKI." After filling in the data on the client and requests, the system will form a file in a universal format for unloading to the BKI, said Andrey Borochkin, product manager of Credit Conveyor of Diasoft.

The functional properties of the product also include the formation of a unique circulation identifier in accordance with GOST R ISO/IEC 9834-8-2011.

Until the end of 2024, Diasoft plans to give bank employees the opportunity to upload data not only on loan applications, but also on loan agreements within the framework of the same product.

The product "Interaction with BKI" is implemented in a microservice architecture on an import-independent process stack. It is part of a single digital platform, Digital Q.UP.

Possibility of sending to GIS GMP information on payments for travel on toll roads

From September 1, 2024 banks , they will be required to report GIS GMP information payments to toll road operators. This rule of interaction with GIS GMP is introduced on the basis of Federal Laws No. 210-FZ of 27.07.2010 and No. 257-FZ of 08.11.2007. This was announced Diasoft on August 26, 2024.

This norm assumes the emergence of a new "stream" of information in the GIS GMP: in addition to data on payments to the budget, information on commercial payments will now be transmitted. The selection of such payments should take place using a special directory of commercial organizations provided by the Federal Treasury of Russia.

Diasoft supports the requirements of the regulator in its software products. The company provides the opportunity to automate the exchange of data between a credit institution and GIS GMP, transfer information on commercial payments from the bank's IT system to GIS GMP.

To support new formats of interaction with GIS GMP in the software product "Interaction with GIS GMP. Notification of payments "the necessary improvements have already been implemented.

To implement industrial integration with the bank's IT system, in support of a new algorithm for interaction with GIS GMP, Diasoft offers a solution that includes additional products:

• "Interaction with GIS GMP: loading the reference book of commercial organizations";
• "Interaction with GIS GMP: Notification of commercial payments";
• "Interaction with GIS GMP: Payments to commercial organizations (Toll road operators)."

The following processes are implemented in these products:

• loading the reference book of commercial organizations;
• Integration of the reference book into the payment selection algorithm
• automatic selection of commercial payments in the IT system;
• transfer of payment information for sending to GIS GMP;
• recording the result of sending and quality control of exchange with GIS GMP.

All these software products are part of a single digital platform Digital Q.UP. The platform is included Unified Register of Russian Programs COMPUTER in and (databases No. 19653 of 1.11.2023).

The products support independent system software (DBMS Q.DataBase, Digital Q.TomEE Application Server).

Add Electronic Requisition Product

Diasoft has developed the Electronic Application product, which allows you to simplify and unify the process of creating any applications in the organization. This product is part of the unified digital platform Digital Q.UP, which is included in the Unified Register of Russian Programs for Computers and Databases (No. 19653 of 1.11.2023). The company announced this on July 25, 2024.

We meet applications constantly: when we make a purchase order in an online store, apply for a loan on the bank's website, book a workplace in open space, issue a CASCO insurance policy in a mobile application, register as a new user in the system, etc. Despite the fact that all applications have a lot in common: the characteristics of applications, steps of business processes, screen forms, often developers, even within the same organization, solve the same problems of designing applications in different ways each time, with one or another quality of data storage, screen forms, business processes. Therefore, we have packed our experience in designing applications for a product over many years, "said Ilya Petrov, head of the Frontal Solutions product department at Diasoft.

For example, in order for the process of creating applications to be uniform, the Electronic Application product was used by Diasoft specialists in a number of products and components: Insurance Application, Brokerage Service, Work Time Management, Register of Participants, Training Center/Training Applications, BKI Applications, Service Requests, Project Management.

The Electronic Application product can be connected and used when creating new application products as a library that provides a ready-made and thoughtful logical model, REST API, events, standard reference books, application forms, no-code toolkit for flexible application configuration, business process templates and much more. All of the above can be enriched with the specifics of a particular application product. Thus, a uniform approach to development is ensured, which reduces resource costs and speeds up the creation of an application product.

InfoDiode Gateway Compatibility

Experts Diasoft"" and "" AMT GROUP have confirmed the compatibility of the Unified Digital Q.UP Platform and the unidirectional gateway. InfoDiode This was announced Diasoft by "" on July 22, 2024. More. here

Ability to manage ETL processes

Diasoft develops the product "Management of routine operations" as part of the Digital Q.UP development platform. It allows you to centrally control and manage IT products involved in day-end and other data processing processes. Now the product supports a new type of scheduled operations - ETL process management, as well as the adjustment of date calculation rules. The developer announced this on March 19, 2024.

The added functionality helps to control the processes of data acquisition and conversion.

All actions are reflected in a centralized protocol that allows you to track the progress of parent and companion operations and easily navigate the chain, moving to nested objects.

The user can select both a pre-configured ETL process and create it in the Management of Routine Operations product interface using the appropriate form.

You can now set up date rules in the Routine Management product to generate various schedules, such as a payment schedule for a loan agreement.

In addition to the ability to manage ETL processes, the Scheduled Operations Management product allows you to manage business processes. It is easier to set up and maintain business processes, dividing complex processes as closing the day into separate stages in the form of routine operations and linking them into single chains.

Operations can have regulations under which they are carried out. Rules configure a set of rules that allow or prevent a scheduled operation, either manually or from an external system. For each launch type, additional parameters are selected: start time interval or start inhibition, expected duration, maximum or minimum number of objects to process, etc. In addition, through the regulation, the launch of a particular operation on a schedule is configured.

The product allows you to override the parameters if necessary when performing the same routine operation in a different context, for example, for different departments. Thus, the routine operation is not duplicated.

The product serves as a master system for operating day maintenance. The status of the operating day can be maintained both in the context of departments and their systems, and at the level of the organization as a whole. The operational day status is monitored in a convenient interface.

The product allows you to create and configure any calendars necessary in the work, for example, a full calendar or a calendar of working days. You can also create calendars in association with a department, region, or country. It is also possible to create summary calendars that will take into account working and non-working days, various schedules of work of several calendars.

The "Routine Operations Management" product can be integrated with any IT solutions developed by Diasoft and other vendors. Interaction can be carried out through API calls or through a message broker, for example, the Digital Q.MessageBroker infrastructure platform, which is part of the digital transformation ecosystem Digital Q.

Group and single check of passport data via SMEV 4

Starting from September 2023, the Bank of Russia recommends using access to the state information system of migration and registration accounting through regulated requests to SMEV 4 to implement the 115-FZ requirements in terms of verifying the validity of Russian passports. The SMEV 4 interaction format allows you to reduce the time for obtaining data and improve the quality of integration interaction between banks and government agencies.

The Diasoft company has implemented the functionality of not only a single verification of the validity of a passport in SMEV 4, but also a group one. Updates are available in the product "Interaction with the Migration Service (FMS)." The product also has the possibility of mass verification of the entire bank's customer base for the validity of passports in SMEV 4 with a certain frequency, Diasoft representatives said on February 15, 2024.

"Having gained access to the SMEV 4 production loop, we checked the speed and performance of our solution with various settings. The real speed of processing requests for checking the validity of a passport reaches 8 requests per second. It doesn't even make sense to compare this performance with similar cases in SMEV-3! The speed of exchange through the new interaction channel delights us and our clients, "said Alexey Efimov, head of the State Services product at Diasoft.

The product "Interaction with the Migration Service (FMS)" is part of the Digital Q.UP development platform, supports the requirements of federal legislation (3179-U) and allows checking:

• single checks of validity of passports of the Russian Federation,
• group (batch) checks of validity of Russian passports,
• mass checks of the validity of passports of the Russian Federation.
• Please complete the feedback form for details.

Add Personal Account Management Functionality

Diasoft has expanded the capabilities of managing digital service interfaces in the Personal Account Management software product. The company announced this on February 12, 2024.

The product is part of the Digital Q.UP development platform and allows you to create, configure and develop a convenient digital space (personal accounts, web portals) for the work of employees, customers, partners of the organization in low/no-code mode. With the help of a visual designer, you can quickly and easily build functional blocks of personal accounts, depending on the business tasks of each user group. The product implements the ability to centrally administer all personal accounts of the organization and configure access rights to personal accounts in accordance with user role models.

It is possible to place functional and analytical widgets in no-code mode in the interfaces of personal accounts. Access to all necessary operations and data is provided in a single personal account space, which helps to increase efficiency. Analytical tools in the form of graphs and diagrams allow the user to monitor the progress of workflows and tasks, if necessary, quickly respond to deviations.

Set up the visual design of personal accounts. If you need to match the interface design of the organization's brand book, the Personal Account Management product allows you to configure, check and publish new visual themes online.

Convenient UX design. In versions of the standard design of personal accounts, typography and colors have been redesigned for a more comfortable visual perception of information by users.

The Personal Account Management product is implemented in a microservice architecture, it can be easily integrated into any IT landscape of the organization.

Inclusion in the Unified Register of Russian Computer and Database Programs

On February 6, 2024, Diasoft announced that the Digital Q.Unified Platform (Digital Q.UP) development platform was included in the Unified Register of Russian Computer and Database Programs (registration number 19653).

"Credit pipeline" as part of Digital Q.UP

According to the company, the unified digital platform Digital Q.UP allows you to create and output products and services of the organization into the digital space, automate business processes for their sale and maintenance, provides tools for the work of employees and continuous monitoring of the effectiveness of all processes.

Large organizations, especially financial ones, are developing their digital platforms in order to quickly respond to changing market needs, optimize time to market products and services, optimize staff and customer interaction. In-house development of digital platforms requires large investments, and we offer a ready-made solution that will help close a wide range of digital transformation tasks. told Nikita Markelov, architect of the Diasoft digital platform

The main features of the Digital Q.UP development platform:

• Organization of users' work in the digital space. Digital accounts allow you to combine in a single interface all the actions that organization employees perform in different systems, as well as the information necessary to effectively perform tasks. Users see what tasks they need to complete, with what priority and in what time frame, and perform operations without switching between different systems.
• The functionality of Digital Q.UP provides the implementation of remote interaction channels for customers, partners, counterparties of the organization, as well as for the exchange of data with government agencies. The compositional architecture allows you to easily create any number of digital cabinets or channels, adding the necessary functional blocks to them in low/no-code mode.
• Automation of business processes. The Digital Q.UP platform toolkit allows you to automate end-to-end processes that involve different departments or IT systems of the organization. Processes can be fully automatic or include user participation in certain steps. The platform includes a centralized register of processes with the ability to record them, group them by business meanings, and work with versionality.
• Digital Q.UP includes tools for mining processes, design business processes in notation BPMN 2.0 and rules in DMN notation, as well as functionality for managing user tasks.
• Analytics and monitoring. The platform provides a tool with a wide range of graphs for creating analytical dashboards, which allows you to analyze data and use it to solve business problems. Graphs can be embedded in the form of widgets in those systems where users need them for monitoring, control and process analytics (employee AWS, corporate portals, CRM systems, digital remote channels and others).
• Replacement of individual core-system units. In core systems, accounting, calculations, data storage are carried out. However, they do not have sufficient functionality and flexibility to quickly make changes to meet business requirements. Digital Q.UP contains components for transferring part of the functionality and processes from core systems to a digital platform. First of all, these are areas where the possibility of operational changes is most critical: working with client data, products and services of the organization, scenarios and decision-making algorithms, application models.

The platform includes application software products, including:

• "Register of participants" for working with client data;
• "Product catalog" for flexible configuration of products and services of the organization;
• "Credit pipeline" for comprehensive automation of the processes of selection and issuance of credit products;
• "Decision-making system" for setting up arbitrary scenarios and algorithms with ready-made integration components to external systems, such as BKIs.

The platform also includes products for interaction with government agencies:, GIS GMP,, GIS HOUSING AND COMMUNAL SERVICES, and FTS FSSP EBS others.

To integrate a single digital platform into the IT landscape of an organization, it includes specialized low-code tools that provide:

• Design integration streams in a visual editor
• Application of all existing integration patterns and off-the-shelf connectors
• generation of integration microservices;
• Maintain a centralized register of all used integration flows.

The products in the Digital Q.UP development platform are developed in a microservice architecture that provides optimal performance, fault tolerance, scalability and 24/7 performance. With built-in integration tools, the platform is easily embedded in any organization's IT landscape.

2023

Support for integration of banks with the Finservy platform

The company Diasoft"" supported integration banks with the consumer service, crediting which is provided by the personal finance platform. This Financial services Moscow Exchange. was announced Diasoft on November 13, 2023.

Now the software product "Marketplace Management," which is part of the Digital Q.UP development platform, automates all integration flows and processes of interaction with the Financial Services service: publishing credit products, creating short applications with a preliminary decision, creating full applications and making a final decision on issuing a loan.

To work with the bank with the consumer lending service of the Financial Services platform, you need a credit pipeline. The Marketplace Management product can be easily integrated with any credit pipeline installed in the bank. Marketplace Management has a built-in set of typical APIs and events to which the bank's credit pipeline can connect.

If the credit pipeline is not implemented in the bank, Diasoft can help you set it up using the Credit Pipeline product. In this case, a process is set up to process loan requests received from the Finservice platform. With the help of low-code tools of the Digital Q.UP development platform, which includes the product, the bank can expand the credit pipeline with other financial products: car loans, mortgages, credit cards, overdraft, credit pipeline for SMEs.

The microservice architecture of the Credit Pipeline and Marketplace Management products provides flexible scalability, high performance, and 24/7 availability.

Support of data exchange formats with NBCH RUTDF 5.0 and OKB UCH 3.4

Diasoft supported the latest data exchange formats with NBCH RUTDF 5.0 and OKB UCH 3.4. Diasoft announced this on October 17, 2023.

Starting October 1, 2023, the requirements for interaction between banks and the credit history bureau (BCH) are changing in accordance with the Bank of Russia's instruction dated 24.10.2022 N 6300-U. The National Bureau of Credit Histories (NBCH) supported these requirements in the format of data transmission RUTDF 5.0, the Joint Credit Bureau (OKB) - in the format of UCH 3.4.

Updated data transmission formats RUTDF 5.0 and UCH 3.4 are already available in the product "Interaction with BKI" from Diasoft. The product is part of the Digital Q.UP development platform and is designed to automate the exchange of data with the credit history bureau, the formation and receipt of credit histories (CI) and other information about existing and potential clients of the bank.

The product has built-in tools for interacting with Credit Registry. Data can be obtained from various sources: NBCH, OKB (Experian-Interfax), OKB-National Hunter, Equifax (GPKS), BRS, FMS, Cronos-Inform (MBKI), SPARK, BIAS and others.

Requests to different BKIs are generated automatically according to the bank's business process.

"Interaction with BKI" can be built into any IT-landschaft of the bank and with the help of open API integrated IT solutions containing information about customers. The product does not require process windows for upgrade, is available in 24/7 mode, and can be automatically scaled to handle any volume of requests.

Implementation of automation of information exchange of banks with IP "One window" on the Digital Q.UP platform

On October 12, 2023, Diasoft announced the automation of the information exchange of banks with the One Window IS.

According to the company, on January 1, 2024, Federal Law No. 353-FZ of 14.07.2022, which obliges banks to exchange data with the One Window information system, will enter into force. The solution "Interaction with IP" One Window "from Diasoft" will help to establish the exchange of data with the information system in the field of foreign trade in advance. The solution includes products implemented on the Digital Q.UP and Digital Q.Payments development platforms and allows you to automate the process completely, including integration with the bank's core system. The solution has already been implemented in more than 15 credit institutions.

The Diasoft team continues to develop and modify the solution. For example, a separate business process has been implemented to automate interaction with RBS. For banks with minimal document flow, a special light delivery is offered, which ensures the full-featured operation of the One Window IS operator without additional and complex integration with ABS.

The solution "Interaction with IE" One window "automates:

• processing of the participant's request for interaction with IE "One window";
• providing information necessary for the transfer of funds at the request of the participant;
• providing information necessary for the transfer of funds under an order signed by the payer;
• obtaining information on acceptance for execution of the order on the transfer of funds;
• provision of information on execution of the money transfer order at the request of IE "One window";
• interaction with the remote banking service system (RBS).

Summary calendars are implemented in the "Scheduled Operations Management" solution

On September 4, 2023, Diasoft announced the development of the capabilities of the Scheduled Operations Management product, which is part of the Digital Q.UP development platform. The product is designed for centralized control and management of IT products involved in scheduled operations.

The product implements summary calendars that allow you to combine local calendars of different regions or countries, taking into account all working and non-working days, various work schedules. A consolidated calendar is necessary, for example, to automatically calculate payment schedules for loans or other financial transactions, when you need to take into account the difference in operating modes of financial institutions.

Also, in the "Management of scheduled operations" functions of setting up and centralized use of one or several calendars of operating days of the organization have appeared, taking into account the work schedules of its branches and departments.

The product implements the functionality of designing business processes in BPMN 2.0 notation using the tools of the Digital Q.BPM technology platform. In the near future, there are plans to implement the ability to manage ETL processes. As of September 2023, product improvements are being carried out to create routine data exchange operations. This functionality will help automate the work with information from different sources and simplify processes such as data collection for accounting and reporting, data aggregation into a common storage at the end of the operating day, and many others. The functionality will become available thanks to the use of the tools of the Digital Q.DataFlows technology platform.

The product has been transferred to a centralized operations protocol. It allows you to control the execution of chains of parent and related operations, easily moving along the navigation chain and moving to nested objects. You can view process diagrams directly from the protocol. As of September 2023, action logging functionality is available as a separate library and can be integrated into any Java IT solutions. In the case of own development of software products, the use of the finished component will reduce labor costs and time to market.

"Control of routine operations" has been transferred to the latest version of the Digital Q.Palette technology platform, which made the interface design even more comfortable for users.

The "Routine Operations Management" product can be integrated with any IT solutions developed by Diasoft and other vendors. Interaction can be carried out through a message broker, for example, through the infrastructure platform Digital Q.Kafka.

Automation of passport data verification

Diasoft"" automates passport data client verification. bank The company announced this on July 18, 2023.

In accordance with official letters Bank of Russia and, Ministry of Internal Affairs of Russia as well as amendments made to the regulation of the Bank Russia No. 499-P, banks Main Directorate for Migration of the Ministry of Internal Affairs of the Russian Federation. Data the amendments are deprived of the opportunity to check the validity of passports on the website entered into force on June 6, 2023. Now you can check the passport data of customers only in the Unified system of interdepartmental electronic interaction (). SMEV

The product "Interaction with the Migration Service (FMS)" from Diasoft will help to automate the process of checking customers - individuals on the basis of invalid passports. The product is part of the Digital Q.UP development platform.

The product "Interaction with the Migration Service (FMS)" allows you to check the validity of the passport in SMEV - both one-time and through group and mass verification. The result obtained is recorded in the customer's card in the bank's IT system.

For example, you can individually check the validity of a passport in SMEV when a client is contacted and served by an operator, as well as when working with documents or a client card.

If a group check is necessary, a package of documents is formed for the selected customers, which is transmitted for verification to SMEV. Mass verification implies periodic verification of the validity of passports in SMEV of all bank customers.

The product does not create additional load on accounting systems, can be built into any IT landscape and integrated with any IT system of the bank.

Automation of SME lending

The "credit pipeline for SMEs" from Diasoft will help banks automate the entire process of lending to small and medium-sized businesses - from the establishment of an application to the issuance of a loan. The product is part of the Digital Q.UP development platform and supports express lending, business mortgages, loan refinancing, bank guarantees. Diasoft announced this in July 2023.

Advantages of the "Credit Pipeline for SMEs":

• Ready-made business processes for lending to small and medium-sized businesses.
• Assign tasks to bank services in parallel to reduce application review time.
• A separate virtual workplace for each bank employee. Thanks to this, an employee - for example, a risk controller, escort, economic security, legal department or analyst - sees a list of tasks assigned only to him.
• Automatic loading of balance sheet documents and profit and loss statement of the borrower organization.
• Storing all documents on a credit application in an electronic dossier - one loan application can contain about 100 documents, the list of which depends on the product, region and other parameters.
• Automatic check of attached documents by checklist and their EDS signature.
• Built-in mechanism for recognizing data specified in documents.
• Automatically generate print forms using templates and upload them in PDF, Word, XLS formats.

The product can receive information about potential borrowers from external systems (SMEV, SPARK, Credit Registry Enterprise). It is integrated with the "Decision Making System" from Diasoft to automatically calculate the client's solvency and make a decision on issuing a loan.

low-code The platform tools used in the product Digital Q.BPM allow you to design business processes and model decision rules taking into account scenarios for processing requests, monitoring their implementation, delineation of roles, business user rights and other parameters. visualization of data Platform tools are used for and preparation of operational reporting. Digital Q.Sensor

The microservice architecture of the product provides fault tolerance and high performance.

Conversion of the product "Interaction with the BKI" to a microservice architecture

Diasoft On April 18, 2023, the company "" announced that it had expanded the functionality of the software product "Interaction with BKI," which is part of the Digital Q.UP development platform (until November 2022 - Digital Q.Omnichannel), and transferred it to. microservice architecture The product is designed to automate the exchange data with the credit history bureau, receive data credit about stories (CI) and other information about existing and potential customers. bank

The product "Interaction with BKI" provides data exchange with the Credit Registry service - a single point of access to the credit history bureau and all external sources, information from which is needed to make decisions on issuing a loan or evaluating a counterparty.

"Interaction with BKI" is implemented on the import-independent process stack. It can be built into any IT-landschaft of the bank and through open API integrated IT solutions where it is necessary to obtain information about customers. These can be "Credit Pipeline," "Decision System" and other products from both Diasoft and third-party developers. Thanks to its microservice architecture, the product has high performance and scalability.

Key Product Features

• Obtaining information on credit histories through Credit Registry services from NBKI, OKB, BKI Scoring Bureau (formerly Equifax).
• Receive a single summary report through Credit Registry, which contains aggregated information about the borrower's CI from several sources.
• Obtaining customer data from the following sources: National Hunter (OKB service for detecting fraudulent actions), FMS (checking against the list of invalid passports), Kronos-Inform (MBKI), SPARK, BIAS, VimpelCom, MegaFon, Mail.ru, as well as information on bankruptcies and enforcement proceedings against customers.
• Collection and sending of data on credit applications to the BCH through the Credit Registry in accordance with the requirements of Federal Laws No. 218-FZ "On Credit Histories" and No. 3465-U "On the Composition and Procedure for Forming the Information Part of the Credit History."
• Sending data to the OKB National Hunter service through Credit Registry.
• Set up CS categorization rules, assign CS categories according to business rules.
• Logs all requests and responses in the system.

Шаблон:Quote 'author=said Andrey Borochkin, Head of Credit Conveyor Product at Diasoft.

Digital Q.UP products as part of the Diasoft integrated solution "Interaction with IP" One Window "

On March 13, 2023, Diasoft announced that it had developed a product for automating interaction with the One Window IS. The products included in the solution are included in the development platforms Digital Q.UP (from March 2020 to November 2022 - Digital Q.Omnichannel) and Digital Q.Payments and allow you to automate the processes of information exchange between the IP operator and the credit institution. Read more here.

2022

Transfer of "Credit Pipeline" to microservice architecture

Diasoft has transferred the Credit Pipeline software product, which is part of the Digital Q.UP development platform, to a microservice architecture.

The Credit Pipeline has implemented the acceptance and processing of applications for the main types of financial products: consumer, mortgage and car loans, as well as for SME loans, corporate lending, credit cards and overdraft.

In the updated "Credit Pipeline," the speed of opening screen forms and the operation of internal processes has become 2-3 times higher. Microservice architecture provides fault tolerance, high performance, flexible scalability, 24/7 product availability. The main tasks of setting up and customizing the "Credit Pipeline" are solved using built-in low-code tools, which minimizes the need to write code.

Templates of typical business processes for selling loans in the "Credit Pipeline" help to quickly install the product and integrate it into the bank's business processes. For simple and fast independent modeling of business processes in the product, the capabilities of the technological low-code platform Digital Q.BPM are used. It allows you to design business processes and decision-making rules taking into account scenarios for processing applications, monitoring their implementation, delineation of roles and rights of business users and other parameters.

The credit product selection calculator in the Credit Pipeline forms a matrix of offers and helps to select the most suitable ones, as well as draws up preliminary payment schedules. In addition, the "Credit Conveyor" includes jobs for points of sale of partner companies - car dealers, insurance and real estate companies, developers and others.

The software product through ready-made APIs can interact with external systems (CMEV, SPARK, Credit Registry Enterprise) to obtain all the necessary data on potential borrowers.

The Credit Pipeline has built-in tools of the Digital Q.Sensor technology platform for monitoring processes and creating analytical dashboards. This allows you to control processes in all directions: from collecting statistics to predicting the issuance of credit products.

The "credit pipeline" can be easily integrated into any IT landscape of the bank and integrated with both Diasoft products and solutions of other vendors.

Name change to Digital Q.Unified Platform

From March 2020 to November 2022, the product was called Digital Q.Omnichannel, and then was renamed Digital Q.UP (Digital Q.Unified Platform).

Use for interaction of banks with the Federal Tax Service for IIS

Diasoft will help banks automate interaction with the Federal Tax Service for IIS. The company announced this on November 2, 2022. The solution combines the Brokerage Service product (part of the Digital Q.FinancialMarkets development platform) and the Interaction with the Federal Tax Service product. Informing about IIS "(part of the Digital Q.Omnichannel development platform). The solution combines the Brokerage Service product (part of the Digital Q.FinancialMarkets development platform) and the Interaction with the Federal Tax Service product. Information about IIS "(part of the Digital Q.Omnichannel development platform). Read more here.

Automate the exchange of information with customs authorities

Diasoft on September 26, 2022 announced that it would help banks automate the process of exchanging information with customs authorities.

In accordance with Bank of Russia Regulation No. 741-P and related regulations, banks are required to comply with messaging formats with the Federal Customs Service (FCS) through the Bank of Russia's territorial institutions.

To solve this problem, Diasoft has developed a new product "Interaction with the Federal Customs Service," which is part of the Digital Q.Omnichannel development platform. The product automates the processes of information exchange between the bank and the FCS, taking into account the requirements of the regulator, provides storage, initial processing of department requests and responses to them, tracking document processing regulations and uninterrupted interaction with the FCS.

The product supports key processes for processing FCS messages through the regional institutions of the Bank of Russia, including:

• Order to sell foreign currency
• an order to transfer electronic funds;
• an order for undisputed recovery;
• an order to transfer funds from the deposit account to the current settlement account of the payer;
• an order for the sale of precious metals and the transfer of funds from the sale of precious metals to the current settlement account of the payer;
• the decision to revoke the order for undisputed recovery;
• decision on withdrawal of the collection order (orders for the transfer of electronic funds);
• the decision of the customs authority to suspend transactions on the payer's accounts with the bank and transfers of his electronic funds;
• the decision of the customs authority to cancel the suspension of transactions on the payer's accounts with the bank and transfers of his electronic funds.

The FCS interaction product provides double control of operations, as well as storage of FCS requests and orders with time reference.

The product provides an operator's workplace, the toolkit of which allows you to receive comprehensive information about the request, correctly process and generate responses about the execution of the order. In addition, when a request is received on paper, the operator can add a new object to the system manually.

Moving the Decision System to a Microservice Architecture

Diasoft on June 15, 2022 announced the completion of the transfer of the Decision System product to a microservice architecture. The product is part of the Digital Q.Omnichannel development platform. It is used in a number of banks as part of the Credit Pipeline from Diasoft.

The product implements the functionality of analyzing borrower data obtained from external systems, such as credit bureaus, various lists ("black" lists, lists of bankrupt, terrorists, AML and others). The "decision-making system" automatically calculates the solvency of the client and makes a decision on issuing a loan, as well as, if necessary, additionally calculates the offer matrix.

If the application for a loan fell into the "gray zone," and automatic decision-making is impossible, the underwriter manually analyzes the borrower's solvency and makes a decision on issuing a loan. The underwriter's virtual workplace is also part of the "Decision Making System."

The system allows you to flexibly set up business rules and matrices to calculate scoring scores and other key figures needed to make credit decisions. Strategies and rules are automatically logged, so you can always see how this or that check worked. The tools of the Digital Q.Sensor technology platform allow you to build dashboards directly in the product - the user receives an operational report on positive solutions, causes of failures, and the speed of processes.

{{quote "Among the competitive advantages of the" Decision System "product are an import-independent stack, built-in programming languages JavaScript, Python and Groovy, as well as two modes of operation. In the first mode, the system processes the arrays data received during the application movement along the credit pipeline, in the second mode it independently enriches data thanks to built-in adapters for external systems: Credit SMEV Registry,, ABS AML, - said Andrey Borochkin, head of the product "Credit Pipeline" of Diasoft. }}

The technology stack and built-in low-code tools significantly reduce the time-to-market of product updates in accordance with the changing risk strategies of the bank. The microservice architecture provides product resiliency, 24/7 availability, and standalone upgrade of individual product components without process windows.