BSS Digital2Go

Digital2Go is a single platform on which any service can be created for any task for any category of banking clients, be it large corporate clients, small businesses, individuals, personal accounts of a mortgage borrower or a credit office.

2025: Adding Four Cybercriminal Protection Modules

From September 1, 2025, new requirements of the Bank of Russia aimed at countering fraud began to operate. In order to implement these requirements, 4 modules for protection against cybercriminals, including the "second hand" service, have been introduced in the BSS RBS system for retail clients. The developer announced this on September 18, 2025.

BSS has always focused on data security and banking, offering innovative solutions to combat cyber fraud.

Second Hand Service Module. This is an additional protection against fraudulent transactions, which allows one bank client to become a trustee for another bank client. At the same time, the trustee does not gain access to the account and cannot perform transactions on his own. The solution has flexible security level settings that allow you to determine which specific transactions and threshold amounts require mandatory confirmation from the trustee. This ensures that the service is tailored to the needs of each customer and an optimal balance between the convenience of transactions and the level of security.

Module "Fingerprint - digital fingerprint of the device, collection and storage." The decision complies with the recommendations of the Bank of Russia STO BR BFBO-1.7-2023 and allows you to automatically collect data , when a client is active in RBS (browser in or), mobile application record hardware characteristics and settings OS and transfer a digital fingerprint to the fraud monitoring system for risk analysis. This allows you to identify spoof or infected devices.

Module "AntiScam - blocking the application during an active call or remote access." The service provides automatic blocking of the mobile application when an active call is detected (incoming/outgoing, including calls both via telephone communications and through popular instant messengers, as well as connected remote access software (TeamViewer, AnyDesk, etc.).

Module "Checking IMSI when sending a confirmation code via SMS." The decision controls changes to the IMSI identification module (international mobile subscriber ID) in accordance with the requirements of the Bank of Russia and protects against fraud, allowing to identify attempts to use a duplicate or blocked SIM card, as well as number substitution.

Our rule is to quickly introduce regulatory changes into the RBS system so that banks comply with all regulatory requirements and provide customers with truly safe and convenient services. According to the Bank of Russia, in 2024, citizens lost more than 27.5 billion rubles due to the actions of cyber fraudsters. The implemented measures, including the "second hand" service and control over SIM-cards, are designed to radically improve the situation. BSS provides fast, safe and standardized implementation of these measures in the current circuit with minimal time and maximum efficiency, "commented Ravshan Rakhmanov, Director of Product Development at the BSS Center for Product Development for Individuals.

2024

Support for PayControl

The company BSS added PayControl support for GOST in the Digital2Go platform, on the basis of which they were implemented - and Internetbanks mobile applications to serve legal entities and individuals. The company announced this on September 13, 2024.

PayControl GOST allows banks to comply with regulatory requirements in terms of ensuring the integrity and authorship of payment orders and other financial transactions in digital channels. This is an omnichannel platform for mobile authentication and electronic signature to confirm electronic transactions in a smartphone, in accordance with the requirements of Bank of Russia Regulation No. 683-P. The solution works on the basis of certified cryptographic information protection tools CryptoPro CSP and JCP (GOST R 34.11-2012 and GOST R 34.10-2012).

The solution is more convenient and secure than the classic means of confirming operations (- USB toquens, SMS and push- codes, etc.). It is easy to use PayControl GOST - just click on the screen, and the smartphone transfer transaction will be signed electronically signed using certified funds. CIPF It takes 2 seconds to confirm your payment. The solution ensures safe storage of electronic signature keys, guarantees control over the integrity and authorship of the signed document, before data visualization confirmation, risk scoring of the device, etc.

Based on the platform, a full range of solutions Digital2Go implemented for servicing in remote channels of banking clients - legal entities and individuals - Internet banks and mobile applications. Customers of financial and credit institutions using online banking on the Digital2Go platform now have the opportunity to confirm transactions using PayControl GOST in full compliance with regulatory requirements.

The security of our RBS systems is achieved through deep expertise in the field of information security, including through a long-term partnership with SafeTech. The implementation of PayControl GOST is an opportunity for credit institutions not only to use advanced technologies to ensure a high level of security, but also to increase customer loyalty, while complying with the requirements of the regulator, "commented Pavel Sheludchenko, Deputy Sales Director for BSS Partners.

More than 70 banks are already using SafeTech products, while 26 credit institutions have implemented a secure transaction confirmation solution with the participation of BSS. And now, thanks to the support in the RBS from the BSS platform PayControl GOST, even more banks will be able to switch to convenient signing of payments in a short time in accordance with the requirements of the regulator, "said Denis Kalemberg, CEO of SafeTech .

Support for the capabilities of the "digital ruble"

On August 29, 2024, BSS announced support for the capabilities of the Digital Ruble (CR) in its flagship Digital2Go platform. The Digital Ruble project - a key element in the development of the National Payment System - is in the spotlight of the Central Bank of the Russian Federation (CBR). During the development of the project, updates and new requirements for its operation in banking systems are regularly issued.

In the spring of 2024, the requirements were significantly updated - the Central Bank of the Russian Federation published "An album of electronic messages used to interact between the subjects of the Digital Ruble platform. Version 2024.03 "BSS, as an active participant in the CR project and a supplier of solutions for working with the Digital Ruble on the Digital2Go platform, promptly analyzed the Album... and implemented the necessary changes in its system.

The changes affected the existing scenarios of the CR and made it possible to implement fundamentally new functionality. One of the key changes was the scenario of transferring digital rubles between legal entities "V2V on the details of the recipient." There were also implemented scenarios of funds transfer by order of the Operator, within the framework of which the Central Bank of the Russian Federation can independently make decisions on funds transfer. These changes allow transfers between digital ruble accounts and ordinary bank accounts, including direct debits.

In addition, the Central Bank of the Russian Federation, together with the National Payment Card System (NSPK), issued the Operational Bulletin "On the Procedure for Information and Technological Interaction between Participants of the PlCR and JSC" NSPK "when using payment links" version 0.3. The document laid the foundation for the use of universal payment links for the Fast Payment System (FPS ) and the Central Bank, the so-called "Unified QR."

Solutions for CR and NWS become interrelated, and therefore further unification of processes (for example, auto payments and subscriptions) is expected. With this approach, the use of a solution for working with CR and SBP from a single vendor becomes a competitive plus.

The BSS team successfully implemented support for the new "Unified QR" in its RBS system, providing banks with an updated solution. Banks already have access to the standard version of the Digital2Go with support for the new Album of electronic messages of the CR and "Unified QR."

BSS joined the CR project at the end of 2022 and is actively involved in its development. As of August 2024, the implementation of this functionality is carried out in eight banks using the company's solutions for working with CR for legal entities. As the pilot project expands and new banks are connected, BSS will continue to provide high-tech solutions that are ready for future challenges and meet the highest standards, said Stanislav Shilov, director of product development at the BSS Center for Digital Business Solutions .

Axiom JDK Support

On August 27, 2024, BSS and Axiom JDK announced the implementation of support for the Axiom JDK Java stack in BSS remote banking (RBS) systems for the financial sector. Support is based on the flagship Digital2Go platform. Read more here.

2023: Adding Translation V2V Functionality

BSS on June 15, 2023 announced the update of RBS for legal entities on the Digital2Go platform, providing entrepreneurs with the functionality of V2V transfers.

In Digital2Go, legal entities and individual entrepreneurs were able to make transfers in favor of other legal entities and individual entrepreneurs under the Fast Payment System (FPS). They can also form QR codes to receive transfers from other legal entities and individual entrepreneurs on the SBP.

The emerging capabilities of the Digital2Go platform allow legal entities and individual entrepreneurs to make the necessary settlements using the SBP at any time, around the clock - to accept payments and make payments. Now in Digital2Go, entrepreneurs can conduct mutual settlements not only with retail clients, but also with legal entities and individual entrepreneurs. By receiving such functionality from the bank, the business is able to strengthen its effectiveness, which increases its loyalty to its financial organization.

We see the strategic importance of developing SBP services to speed up settlements, increase convenience for both consumers and businesses, and, ultimately, increase the efficiency of the Russian economy. For us, the implementation of new SBP services in remote channels is another opportunity to offer banks tools to fight for digital leadership, "commented Stanislav Shilov, director of product development at the BSS Center for Digital Business Solutions .

2022: Inclusion in "Financial Sector Software Interchangeability Catalogue"

The company BSS on August 11, 2022 announced the inclusion of its own solutions for, and in the "Interchangeability Catalog remote banking speech technologies information security for the ON financial Sector." The directory was created with active association interaction,,,, FINTECH ARPP "Domestic Software" National Financial Market Council (NSFR) and. Association of Computer and Information Technology Enterprises (APKIT) Ministry of Digital Development of Russia

The "Directory of Interchangeability of Software for the Financial Sector" was formed on the basis of a list of foreign software used by domestic credit organizations. This list was prepared by the FinTech Association, which unites all leading Russian banks. In turn, domestic IT companies have indicated their own solutions that can replace foreign counterparts.

In particular, from BSS, the Catalog includes a single Digital2Go RBS platform, a modular solution for centralized enterprise management of any complexity "Corporation Settlement Center" (RCC), an omnichannel dialog platform Digital2Speech, a fraud prevention system in remote channels "Fraud analysis" and other solutions.

Of course, the Catalog is a constantly developing and open-ended project. I think that one of the important tasks in the framework of this work is to create conditions for effective intersectoral interaction. Also, the Catalog is a convenient tool for identifying those areas in which the attention and efforts of the IT community are required as a priority, - commented Maria Mikhailova, project coordinator, public adviser to the Ministry of Digital Development in the direction of "Specialized banking software, payment systems/financial services/fintech," executive director of the National Payment Association.

The creation of the Software Interchangeability Catalog is a very important event. It is no secret that many foreign vendors have stopped or suspended their activities in the Russian Federation. This put domestic banks under attack. The issue of import independence is now more relevant than ever, and we are ready to actively help banks. Replacement with domestic software, including BSS development, will allow the financial sector of the Russian Federation to work stably, predictably and reliably, "said Vitaly Pateshman, Sales Director of BSS.

2021: Inclusion in the unified register of Russian software

The unified register of Russian software includes four more BSS solutions. The company announced this on January 21, 2021.

The list of BSS products included in the register of Russian software has been replenished with the Digital2Go platform, FRAUD Analysis, Notification Server and BSS e-Government Gate systems. According to the Order of the Ministry of Communications of the Russian Federation dated 25.12.2020 No. 755, the platform Digital2Go assigned register No. 8226, FRAUD-Analysis system No. 7860, "Notification Server" No. 7861, BSS e-Government Gate No. 7859.

It is important that the inclusion of the product in the register of Russian software does not change the practice of exempting license payments from VAT for using the software.

BSS is a Russian developer whose product portfolio includes critical software for the banking sector and other sectors of the economy. Our most important mission is the development and development of Russian software that ensures reliability, security, efficiency of business processes of companies and organizations and independence from the sanctions regime. In the era of global instability and increased risks, this is an important factor in favor of BSS solutions, "commented Georgy Kravchenko, CEO of BSS .

In addition, decisions entered in the unified register of Russian software have the preemptive right to use in state organizations and companies, as well as in companies and credit institutions with state participation.

2019: The ability to use Digital2Go solutions in mobile banking format

On May 6, 2019, Vostochny announced that, together with BSS, it offers small and medium-sized businesses to use solutions of the Digital2Go platform in the format of mobile banking.

As reported, all the advantages of the Digital2Go can be appreciated right on your mobile phone: a client can check the status of accounts, incoming and outgoing payments in one click, create and sign a payment, and receive a statement. The mobile bank interface allows you to monitor the main events, information about blocking funds in your account, receive and send letters to the bank, etc.

Also, from the screen of a mobile phone, no matter where the Vostochny client is located on the globe, he will be able to control the movement of funds, the change in the account balance, the dynamics of receipts and debits of funds in the context of counterparties, with the amounts of receipts and debits for a certain period. For the convenience of Vostochny customers and greater clarity, this analytics is presented in the form of graphs and diagrams. A service for checking counterparties is also available in the mobile application from Vostochny Bank. For those clients whose accounting services accompany several companies at once, a mobile bank from Vostochny will help manage the accounts of all organizations under one account.

2018

Support for online accounting "My business"

On November 27, 2018, BSS announced that its small business solution on the Digital2Go platform now supports My Business, a popular Internet accounting service in small and medium-sized businesses. The integration is implemented on the basis of the White Label partner strategy concept. This implies that for a bank client, the accounting interface will look the same as the Internet bank interface, and entering there will look like clicking on a link.

Internet accounting "My business" provides a number of services that perfectly fit into the concept of a solution for small businesses on the Digital2Go platform and will be in demand by users, namely:

• A tax calendar to inform the client of the necessary actions and a simple transition to perform a task in electronic accounting.
• Calculation of taxes based on bank transactions.
• Generate tax payments based on tax calculation.
• Tax reporting - the service independently forms and submits it to the tax office.

All that is required of the user when working with the Internet accounting department "My business" is to monitor the tax calendar and enter data on counterparties and employees into the service. The service will download bank statements, remind you of reporting dates, calculate taxes and salaries, prepare reports and documents.

author '= Sergei Panov, General Director of the service "My business" ' We automated most of the accountant's work. The service can calculate taxes itself, create accounts, fill out declarations and send online. Automation allows the entrepreneur to run his own accounting, and accountants will focus on how to make the business more profitable.

For our solution, specially developed for small and medium-sized businesses, it is important to have such a service as the Internet accounting department "My business." A significant part of our target audience is already working with My Business or is ready to use the service.

An important factor that ensured the success of the solution on the Digital2Go platform was the active participation in the production cycle of Markswebb specialists. They have a deep expertise and understanding of what the right Internet bank should be for SMEs. The compliance of the solution on the Digital2Go platform with the strict and high requirements of the Markswebb performance assessment methodology allowed it to enter the TOP-5 of the Business Internet Banking Rank 2018 rating.

Announcement

On October 18, 2018, BSS unveiled its flagship solution, the next generation of Digital2Go open platform. Product development has been carried out over the past two years and has incorporated the best practices and developments of BSS, successfully tested in banks of the Russian Federation, the company said.

According to the developers, Digital2Go is a ready-made infrastructure and security solution that is open to third-party developers and provides "fast Time2Market" (reduces the time to market). The platform assumes the main costs of security, infrastructure, resiliency, scalability and constant updating according to the requirements of the legislation, according to the product description on the BSS website.

The product provides SDK (Software Development Kit) and API, tools for self-customization of standard functionality and service development. API Digital2Go fully corresponds to the 0 and 1 maturity levels of the Richardson Maturity Model REST API, as well as partially to level 2, the company said. The API solution allows you to create a variety of user interfaces with minimal cost while maintaining the stability of the banking employee's workplace. In turn, the developed SDK allows bank developers to independently expand the functionality of their own solutions, without changing the platform code. The SDK also makes it easy to upgrade to new versions of the platform.

The user interface is implemented by HTML5 and is completely separated from the server side of the platform. The development of the user interface was based on UX/UI research.

Digital2Go includes tools to scale the server capacity horizontally, as well as flexibly adjust it to meet specific priorities.

The solution also implements SSO in the required amount for working with Traffic Light services and cloud accounting.

The platform provides tools for transparent communication with users through various channels, including mobile platforms.

Finally, the product includes advanced diagnostics and monitoring tools that allow you to quickly identify and solve problems with the functioning of the system.

According to BSS, the Digital2Go has great development potential, wide possibilities for customization, developed functionality and a well-functioning mechanism for quick adaptation to the changing industry landscape, the requirements of the bank and the needs of its clients.

The official presentation of the platform is scheduled for November 1, 2018.