Faktura.ru

Faktura.ru is the platform of solutions for online banking provided to partners in the PaaS format (Platform as a Service). As of October, 2018 modularity of an ecosystem of Faktura.ru allows to create solutions of Internet bank and mobile applications (iOS, Android) for private and corporate clients, the most corresponding business models of bank.

History

2020

Support risk indicators of SBP of the Bank of Russia

Faktura.ru supported risk indicators of SBP of the Bank of Russia. Announced this CFT on December 30, 2020.

Standards of JSC NSCP set from 1/1/2021 a procedure for test of payments. These requirements oblige participants to calculate a big complex of indicators of risk when sending and receiving transfers.

Faktura.ru together with a cloud service a fraud monitoring of FRAMOS fulfilled the requirements of the regulator and provided to partner banks timely accomplishment of rules. For December, 2020 this option was connected already by more than 40 banks. The solution is executed "turnkey". Faktura.ru undertook all package of measures from data collection for the analysis of payments to a feedback with clients in case of payment suspension. According to regulations, timing of all procedures keep within 3 minutes.

Selecting Faktura.ru, partner banks can be sure that they will receive relevant online banking not only with the most demanded functionality, but also completely corresponding to the legislation.

Management of all financial options of the employee in F.Business Internet bank

Faktura.ru continues to work on improvement of functionality of RBS of F.Business. So, for example, recent changes of functionality regarding maintaining salary projects allow to solve several problems at once, reported on July 21, 2020 in the CFT Group. In Internet bank for business of F.Business from Faktura.ru the full stroke of online procedures for management of lifecycle of the employee in the organization is implemented.

In the next version of F.Business Internet bank work with salary registers is improved, the scenario of adding of new employees is optimized, there was an opportunity to reissue payroll cards, to add registers on accession to salary projects and dismissal of employees.

Staff of the organization does not need to go to office of bank any more to issue recard issue – the accountant of the enterprise can issue all necessary requests in the F.Business interface. During creation of the request for card issue at employment or recard issue it is possible to select product type. Within the salary project the bank can offer several types of card products – under the terms of service, on types of payment systems, with the connected programs of loyalty. If the new employee already has an operating card product in bank in which the salary project of the organization is kept, in Internet bank it can be added to the existing salary project. At execution of the request for release or recard issue it is possible to select from Internet bank in what specific bank department the card will be issued.

The updated reference book by employees allows the accountant to monitor all changes in the file of employees. In the list of employees it is possible to browse information on the status of the account, the card and existence of errors in the employee's card. The changes on the employee recorded in a banking system automatically get to Internet bank. Accomplishment of data validation on employees allows to avoid money transfer into unconfirmed accounts and cards, so, blockings of company funds.

Availability of release of digital maps in F.Balance online banking

In online banking the next functionality – release of the digital map is available to private clients on the Faktura.ru platform. The digital map the full-function, i.e. saving all opportunities of the bank card, only without plastic carrier. In difference from the virtual card it can be added to the Apple Pay, Google Pay and other purses, to make payments online and offline, to transfer from it money to relatives and acquaintances and to get the translations from them. On May 15, 2020 the CFT company reported about it.

The digital map belongs to cards of instant issue. Is issued in any currency and without initial replenishment of card balance. If the plastic card is lost or damaged, the client will not remain without access to funds, the card on rerelease so far any more. Money can be transferred from the lost card to digital, to tie to the smartphone and to continue to use the means for non-cash payments.

The release of the digital map in online banking of F.Balance is possible based on payment systems Visa, MasterCard and "World". If necessary to the digital map it is possible to issue the card on the physical medium. If the digital map co-branded, then with such card clients receive a cashback or other bonuses for purchases. The card can be filled up from the card of any bank including on To the system of fast payments.

Partners of Faktura.ru who aim to build business at high speeds for certain will appreciate digital maps. Such card is issued within several seconds and at once is ready to use. Faktura.ru we aim not only to provide the modern services meeting market demands but also to exceed expectations of our users, noted Maya Glotova, the director of Faktura.ru.

Available to partner banks with the core banking system CFT Bank, together with processing KartStandart.

Creation of service of online analytics of activity of clients of banks is F.Pulse

On April 16, 2020 it became known that Faktura.ru provided analytical service for partner banks. The cloud service of F.Pulse online accumulates data on activity of users in remote channels of service and helps bank to understand better the client and his requirements, to estimate efficiency of advertizing campaigns and communications. Service is available both to private clients of F.Balance, and to corporate clients of F.Business and does not depend on the core banking system and card processing in bank.

Via the web interface of F.Pulse bank service can obtain analytical data in different cuts: users, popular services, transactions, transactions with currency, addresses to a chat. Selection for data analysis can be made for the period from 1 day to 3 years.

Information on users shows the involvement of the customer base of bank into RBS, a ratio of the registered and active users. For understanding of what transactions are most demanded, statistics on the most popular services is provided: utility payments, payment of cellular communication, the Internet, repayment of the credits, an average bill and the number of payments for each payer. For the banks which configured integration of Internet bank with F.Bot services there is an opportunity to browse activity of users in a chat – access rate in a chat, the number of messages in one address, activity of use by clients this communication channel with bank.

The functionality of F.Pulse service is not limited to the listed opportunities, and the Faktura.ru command continues to work on expansion of a range of solvable tasks. F.Pulse is conceived as the intelligent tool for banks which aim to understand motivation of the client, to predict behavioural activity of users, to estimate efficiency of customer acquisition in different communication channels and to create favorable conditions for long-term customer interaction within the ecosystem.

the Intellectual many-sided analytics of client behavior becomes more and more relevant especially in the period of daily changing external background. So, for example, after input of the mode of non-working days, our partner banks noted sharp decrease in intensity of work of clients, but at the beginning of the second week of April, 2020 there is a recovery of activities in online channels. Such information finds special value if arrives in real time. We are sure that F.Pulse will become the irreplaceable tool of bank for analytical monitoring of all client activities in remote channels. All services to which users will get access to RBS of Faktura.ru will be integrated further with F.Pulse,

2019

Growth of number of users of Faktura.ru – individuals for 34%

On March 4, 2020 the CFT company reported that in 2019 the list of partners of the platform of online banking Faktura.ru was replenished with 14 credit institutions. The gain on number of users of Faktura.ru – individuals made 34%, on clients – legal entities of 9%. In a year more than 20 significant changes are made to products and services on the platform. Some of them – the answer to requirements of the regulator, others – result of expert evaluation of requirements of the banking sector using machine learning and big data. Thanks to a cloud form of delivery these services for March, 2020 are available to all 130 partners of Faktura.ru.

According to the company, for automation of communications "The client – the bank" is responsible F.Bot now – the chat-bot created using big data and machine learning. The bot cuts down expenses on call center, is full replacement of own customer support, is able to answer more than 70% of standard requests of clients. Besides, the bot helps to perform contextual cross-selling. With its help the user can pay services, order products, replace a PIN code of the card and another.

With assistance of partners service of online currency conversion is started. Service reduces course risks of bank and stimulates clients on transactions with currency. It can do will help to attract the clients conducting payments in foreign currency.

The arsenal of products with the built-in purchases, for example, insurance is developed for development of cross-sellings. Sale considers a context: the client receives the offer on insurance of the real estate at the time of payment of utilities, on card insurance – when opening a card product. Faktura.ru undertakes all contractual commitments, and the bank receives service "from a box".

Banks whose clients want to register income in quality of Self-employed, can connect service – "Office for Self-employed". It allows to register non-cash and cash transactions manually and automatically – on the transactions received from partners, to send checks to customers/buyers for e-mail, to browse the list of the registered income, to cancel mistakenly registered income, to receive notifications from tax authority.

Executing requirements of the regulator, Faktura.ru provided clients with the interface for transfers on the System of fast payments of Bank of Russia. Six banks thanks to cooperation with the CFT Group received complex service for transfers on SBP.

Cyber security – an important priority of Faktura.ru. It caused further development of a system intellectual cloud a fraud monitoring of FRAMOS which provides to partner banks protection according to requirements 115-FZ. The collaboration with the partner in Group IB information security field presenting the solution Secure Bank allows to strengthen cyber defense perimeters, tracing not only a transaction, but also session fraud. FRAMOS and Secure Bank provide protection against fraudulent transactions both in a personal account of users, and at the level of IT-systems of bank.

In 2019 14 implementation projects are complete. F.Balance services on the Faktura.ru platform connected Promselkhozbank LLC, Bank Kremlevsky LLC, JSC JSB Alef-Bank, JSC Maykopbank, National Factory of a Mortgage LLC. Selected for the clients F.Business RESO Credit (JSC) Bank, Home Credit and Finance Bank LLC, "The St. Petersburg social commercial bank" of the joint-stock company, "Razvitiye-Stolitsa" of the joint-stock company, JSC CB Hlynov.

The complete solution for private and corporate clients was connected by PJSC Transkapitalbank (TKB), MORSKOY BANK (JSC), JSB Investtorgbank (PJSC).

According to representatives of the company, IKBR Yarinterbank (Ltd company), JSC BZhF Bank and JSC JSB International Financial Club selected Faktura.ru for development of cooperation including in services for private clients and business.

Emergence of functionality Self-employed in F.Balance Internet bank

On November 20, 2019 the company CFT reported that in internet-bank F.Balance partners of Faktura.ru can connect functionality – Self-employed. This product is created for banks whose clients are going to register income according to No. 422-FZ of 11/27/2018. "About carrying out an experiment on establishment of special tax regime "A tax on professional income"".

The Samozanyatye service from Faktura.ru allows to register non-cash and cash transactions manually and automatically – on the transactions received from partners, to send checks to customers/buyers for email, to browse the list of the registered income, to cancel mistakenly registered income, to receive notifications from tax authority.

The client performs all actions in the usual interface of the payment office in Internet bank. Clients will surely estimate simplicity of accomplishment of key scenarios of registration and the declaration of income, saving of time which automatic registration of income, convenience of control gives.

Start of the product "Self-employed" for the Faktura.ru partner banks using F.Balance happens in two stages: the first – connection to the Unified information system FTS Russia, the second – activation of functionality according to the request in escort service of Faktura.ru. Specialists of Faktura.ru give to partners consulting support at connection of service.

Start cloud a fraud monitoring of FRAMOS for clients of F.Business

On March 19, 2019 CFT announced start in commercial operation cloud a fraud monitoring of FRAMOS for the banks using F.Business there is an Internet bank for corporate clients from Faktura.ru. Read more here.

F.Business 2.0

The Center of Financial Technologies company published on January 9, 2019 on the platform of remote bank services Faktura.ru the next version of mobile application for corporate clients. According to developers, F.Business 2.0. corresponds to relevant trends in the field of UX/UI: modern stylistic embodiment, convenience and dynamism.

The F.Business application in general represents sobo the full-fledged managerial online tool. The informative main screen of the application and convenient switching between lists of transactions of receipts and write-offs on accounts allows to be aware of all cash flows always. If necessary the head can vise payment orders directly from mobile application, the package and multiple signature is available if it is necessary for the head - it is an important condition of mobility of business which Faktura.ru supports in full.

The main objectives appeared on the main screen: switching between accounts, payments, contacts of bank, other (currency rates, deposits, etc.). Using the Copy tool it is possible to pass from a tape of transactions to creation of new payment. Also there was a function to make payment marked "Urgently". Thanks to segmentation of payment orders on category of the receiver it is possible to create new payment in several clicks. As separate category of payment payments in the budget, payment of housing and public utilities, transfer between the accounts, payments to SP and legal entities, transfer to the individual are selected. In the section Payments are an opportunity to monitor each payment according to its status.

2018

130 partner banks. More than 340 projects

For October, 2018 partners of Faktura.ru are more than 130 banks, including PJSC Post Bank, PJSC CB Vostochny, JSB PJSC Absolyut Bank, cybersecurity of Vesta LLC, ExpoBank LLC, Levoberezhny (PJSC) Bank, etc. Based on service more than 340 implementation projects are implemented.

Thanks to cooperation with a processing center KartStandart banks- partners of Faktura.ru can connect contactless payment from Apple Pay Google Pay, Samsung Pay and also MCBP Mastercard (Cloud-Based Payments).

Structure and features of service

For October, 2018 features of a product are:

• integration into any core banking system of bank
• implementation of the advanced digital services
• execution of interfaces taking into account a brand beech of bank
• completion of interfaces and functionality taking into account requirements of bank
• integration with other CFT Group services (The City system, money transfers Zolotaya Korona, etc.).

Module F.Balance: Internet bank and mobile applications for comfortable management of the bank account of the private client:

• easy registration in Internet bank and mobile application;
• marketing management of the client in digital channels (from personal offers in Internet bank to discounts with a geolocation in mobile application)
• payment for the services more than 35,000 suppliers (including on a template, according to the schedule)
• credit functionality (request for the credit, early repayment)
• extensive card functionality (including blocking, unblocking of cards, virtual card)
• integration with FTS
• authorization by the short 4-unit code and Touch ID in mobile applications
• support of Apple Watch
• contactless payments of the Apple Pay, Google Pay, MCBP
• push-notifications instead of one-time SMS-passwords
• chat with bank, with integration with CRM-sictema.

The module F.Business — for corporate clients — from the small enterprise to large corporation:

• authentication on the login password
• the simplified management of payment orders,
• integration about online accounting,
• sending details by the SMS, email
• confirmation of payment transactions using Sms
• confirmation and withdrawal of the payment orders created in Internet bank
• sending transfers between accounts of one organization or to partners according to details
• service of check of partners
• currency transactions
• corporate cards
• mobile applications (iOS, Android) with payment functionality.

Complex Infoservice of F.Message for delivery of important bank information on SMS Push-email channels:

• one-time passwords for confirmation of transactions
• information on bank card transactions
• mailings on events from the core banking system
• marketing mailings of any character

2017

Gain of a subscriber base on individuals clients for 55%

In 2017 the gain of a subscriber base of Faktura.ru on clients – individuals made 55%, on clients – legal entities – 13%. 20 financial institutions became new partners of Faktura.ru. Development of the Faktura.ru platform in 2017 included two main directions: improvement of the basic (universal) solution and work on its modifications adapted for singular problems of banks with unique business processes or audience. Success of the selected strategy is confirmed with high achievements in the industry researches recognized in the market.

Changes concerned the products Faktura.ru for legal entities. Mobile application was replenished with new payment and viewing functionality. For the large business keeping the international transactions, pleasant news became implementations of a payment service for transactions with currency (conversion at the approved rate, currency transfer future date, sending documents of currency exchange control from the core banking system). The start of authorization by the login password much simplifying access to Internet bank is relevant for users of all categories.

In products for individuals emphasis on work with templates of payments was put – now them not only it is possible to group, but also to create templates without payment. Expansion of functionality of mobile application according to opportunities of Internet bank in mobile first paradigm became the main direction. Including in the Faktura.ru application it is possible to submit the application for the credit now, ahead of schedule to repay the credit, to leave the request for opening of the account, to make payments in the budget and many other things.

Integration with Kaspersky Fraud Prevention

On October 3, 2017 the command of Faktura.ru service announced solution integration Kaspersky Fraud Prevention in services remote banking. Now banks- partners of Faktura.ru will be able to use all functionality of the complete solution developed especially for protection against financial fraud.

The Kaspersky Fraud Prevention platform intended for protection against financial fraud automatically estimates possible risks and monitors suspicious processes not only at the time of login, but also during all session. The solution eliminates effects of an incident and gives to the organizations the chance to be ahead of malefactors: actively blocks attempts to steal data of users, neutralizing threat before damage is caused.

Integration of Faktura.ru and Kaspersky Fraud Prevention will allow financial institutions to increase security of the clients from cybercriminals. It is enough to bank to activate in the page on the Faktura.ru platform a special script which collects information on behavior and an environment of the user of online banking. Thus experts in cyber security of bank receive the instrument of monitoring, control and analysis of anomalies. It allows to detect and prevent fraudulent activity already at an early stage. Such format of interaction promotes not only to cost reduction on security, but also reduces losses from the fraud in remote channels of service, representatives of Faktura.ru emphasized.

We selected the solution of Kaspersky Lab because it works preventively and not just liquidates incident effects, and allows to avoid fraud at all. For banks one of the main assets is a reputation and reliability therefore such functionality is especially important here — Maya Glotova, the director of Faktura.ru emphasized.

2016

Growth of a subscriber base was 76%

In 2016 the gain of a subscriber base of Faktura.ru on clients – individuals made 76%, on clients – legal entities – 10%. 20 banks became new partners of Faktura.ru. In particular, services of remote banking became available to corporate clients of Chaynoselkhozbank, EKO-INVEST bank, private clients of China Construction Bank, Forbank, Kredprombank, Gaztransbank, RFI-bank, Sistema bank and also corporate and private clients of Pro-investment bank, Bashkomsnabbank, Altaybusinessbank, FFIN of Bank.

The first the new products Faktura.ru were estimated by clients of PJSC Vostochny, PJSC AKB Absolyut Bank, PJSC B&N Bank, PJSC Sovcombank.

The project on implementation of remote Islamic banking was implemented in 2016 in Kazan: on a technology platform of Faktura.ru the Internet bank for corporate clients of the Russia's first Center of partner banking was put into operation. Service provides round-the-clock the access to accounts of the organization, control of a status of accounts using SMS and e-mail service of notifications, monitoring of the status of processing of all documents in real time. The Internet bank has the multistage protection constructed on the mechanism of multifactor authentication of the client and the electronic signature. The interface of Internet bank is developed taking into account features of the principles of work of partner banking.

Possibilities of service

For July, 2016 the Faktura.ru service for business contains a broad set of opportunities providing full-fledged remote banking of the enterprises of any scale and also has a number of unique features in comparison with other solutions. A full integration with accounting programs, the Notifications to Partners service, multichannel interaction (SMS, E-mail), full-fledged functionality on currency transactions and currency exchange control and also payment of utility and other services treat their number, for example.

Mobile application of Faktura.ru for individuals is updated

In May, 2016 the Faktura.ru command submitted to users the new version of mobile application for operating systems Android and iOS. Users of the new application will be pleased by modern design and advanced functionality.

Mobile application is run according to canons of material design, the modern standard for web interfaces. Incarnate design solutions are created at the user feeling that he addresses physical entities, but not the plane of the screen. Simplicity, laconicism and clarity belong to the basic principles of material design that helps to focus attention on crucial elements of the interface, simplifies navigation, creates intuitive space and builds natural logic of all algorithms of online banking.

Among new features of mobile application it should be noted money transfers of P2P by the phone number and by the card number. In the new version of mobile application the mechanism of the simplified connection of service is implemented, the client can independently register in service that in turn supports the "mobile first" direction. For a fast input in the application it is possible to set the short code as before or to use the scanner of a fingerprint (TouchID) for authorization. The built-in mechanism of expense analysis (PFM) will also be soon available to users – now from mobile version.

Significantly the augmented list of suppliers whose services are available to payment through mobile application now: educational institutions, municipal services, utilities, telecommunication and insurance companies and also public services (traffic police, FTS, Rosreestr, FSSP, FMR and so forth).

2015

The provider of services of remote banking Faktura.ru in 2015 connected to service of 23 new banks and in general showed positive dynamics of development in all key indicators of activity.

During 2015 23 banks, including Absolyut Bank, Chaynaselkhozbank, China Construction Bank, KEB BANK of RUS, Yarinterbank, Priobye bank, Vladprombank, Ring of the Urals bank, Vladbusinessbank and others became partners of Faktura.ru.

Formats of cooperation and with a number of already operating partner banks extended. In particular, in Rosinterbank the system of Internet banking for corporate clients was added to the operating service for private clients. In Laytbank the Russia's first service for transfers to the UnionPay cards using the RBS system was implemented, and in Internet bank of B&N BANK money transfers Zolotaya Korona became available to users. In close partnership with Vostochny bank the new version of Internet bank for individuals was implemented and implemented.

The release of the new version of Faktura.ru Internet bank for private users became key event of 2015. During its creation the most relevant approaches to creation of the interface, adaptive design, the new technologies and algorithms designed to simplify as much as possible work of the user were applied. Differing in the increased usability level, service is focused on increase in the user activity – thanks to contextual personal offers, an option of the behavioural reporting, PFM and other functions.

In comparison with the 2014th year the number of corporate clients of the Faktura.ru partner banks using Internet bank increased by 11%, the gain of private users made 53%. The number of payments through service also increased by 40%, and in mobile application this indicator increased by 2.5 times.

Banks- partners of Faktura.ru the first in the Russian market offered the clients service of contactless payment of services by means of phone for HCE technology (Host Card Emulation). Service of push-notifications for private clients was brought into commercial operation. It allowed clients of banks to receive notifications on all operations with cards and accounts and also single passwords for confirmation of transactions by the safest and convenient method, and – it is essential to banks to save on delivery to users of this sort of messages.

Even before official start of sales of Apple Watch in Russia Faktura.ru provided to the market mobile application for this innovation device which allowed to obtain to clients of partner banks information on all cards, accounts, deposits and the credits and also data on transactions and information messages from bank by means of the wearable gadget.

The information security of users of Faktura.ru continues to become stronger. In 2015 the integration which allowed to support devices for visual control of the signed data of SafeTouch and to provide reliable protection against computer fraud in systems for corporate clients was complete. The technology which is the cornerstone of SafeTouch allows to reflect the hacker attacks directed to imperceptible substitution of payment documents or on deleted access to the workstation of the client.

For May, 2015 electronic service for remote control of finance of the enterprise is Faktura.ru. Faktura.ru represents the full-function technology platform intended for the solution of strategic tasks of bank on creation of a single system of remote service of legal entities and physical persons on channels of Internet and mobile communication.

A system is provided to bank in an outsourcing format by the "cloud" principle, and represents a ready system and technologies which include the closest integration with the core banking system of bank, card processings and accounting programs; secure channels of communication, an end-to-end system of security and risk control, interaction with cellular operators and thousands of service providers in all territory of Russia; the qualified service of technology support and the round-the-clock call center; marketing maintenance.

Faktura.ru implements service of contactless payment

On May 18, 2015 it became known of start within the product Faktura.ru of service of contactless payment of services by means of phone for HCE technology (Host Card Emulation).

The HCE technology thanks to which clients of bank have an opportunity to pay goods and services quickly, simply and safely is the cornerstone of service of contactless payment by phone. The entity of the payment instrument changes, the smartphone becomes it.

The HCE technology allows to emulate the virtual card of the client in mobile application of Faktura.ru and all "payment information" which was stored before by the microprocessor of the plastic card, is in the smartphone. It means lack of need of carrying with itself the bank card. All payment functionality contains in the mobile device.

Connection of service directly from mobile application of the client. If phone of the user corresponds to a configuration: Android 4.4+ and the built-in NFC module, – mobile application itself will suggest it to include function of contactless payments.

Payment process happens by present of the smartphone to the POS terminal equipped contactless reader. Service works in the background, and for commission of payment it is not necessary to open the application, it is rather simple to unblock phone.

The same standard of enciphering, as in the majority of modern POS terminals is applied to data transmission in a technology linking of HCE and NFC. Therefore use of technology does not require deployment of new terminal network, and the security level of similar transactions conforms to the highest international standards.

Service is available to the Faktura.ru partner banks emitting virtual VISA cards of the payment service provider on processing of PTs "KartStandart" and keeping account of operations with cards in the core banking system CFT Bank or "CFT Retail Bank (based on Oracle)".

"The unconditional convenience of contactless payments using the smartphone is a good incentive for users to transfer to a non-cash format fast payments for the small amounts, for example payment of the parking, travel by public transport, calculation in fast food restaurants. In our opinion, obvious advantages of new technology and active interest in it from all participants of the payment market allow to consider a linking of HCE – NFC as the serious driver of growth of volumes of retail cashless payments", – Madina Mukanova, the director of Faktura.ru said.

2014

At the end of 2014 the number of partners of Faktura.ru exceeded more than 340 banks and branches. In comparison with 2013 the number of private clients of the Faktura.ru partner banks using Internet bank increased by 62%, corporate – for 22%. The number of payments through service also increased by 60%, and in mobile application this indicator was tripled.

A number of new financial institutions joined current partners of Faktura.ru in 2014. In particular, new projects were implemented in Nordea Bank, the Baltic Investment Bank, Intekhbank, Investment trade bank, SIBES (JSC) bank, I.D.E.A. Banke, CB Natsionalny standart, Uraltransbank, Miraf-bank and others.

The release of upgraded version of Internet bank for corporate clients became key event of 2014 for Faktura.ru. Besides, in partner banks implementation of new information service which allows partner banks to communicate with clients not only by means of become traditional SMS and e-mail of channels, but also Push-notifications began. Start in commercial operation of service for expense analysis became one more technology innovation. Also the banks using a technology platform of Faktura.ru had an opportunity to offer users partner products, such as online purchase of insurance products, etc. In 2014 the solutions Faktura.ru were mentioned by Frank Researh Group research company among the best in the Russian market of online banking and entered into TOP of rating of functionality of the systems of the Internet banking for individuals made by RA "Expert".

2013

In 2013 the number of corporate clients of the Faktura.ru partner banks using Internet-bank service increased by 20%, private – for 70%, in comparison with results of 2012. The number of payments in a system increased by 42%. At the same time it should be noted that today already 27% of private clients use mobile applications, and with their help every 18th payment is made.

In 2013 the remote bank services of RBS provider Faktura.ru provided on the principles of outsourcing began to use such credit institutions as JSC JSB Derzhava, Dil-bank LLC, Ltd JSB Municipal Kamchatprofitbank, NGAB Ermak Ltd, Ltd CB Dolinsk and others. Many operating partner banks expanded a line of services based on Faktura.ru and increased a covering, having connected bank branches. Separately it should be noted connection to Faktura.ru of one of leaders of domestic financial market – B&N BANK: in the second half of 2013 all private clients of this bank had an opportunity to use modern multifunction service "Internet-bank".

Among the technological solutions implemented in the 2013th year it is necessary to select start of the second version of mobile application of Internet-bank service for individuals on the IOS platform with advanced functionality and new design, implementation of a convenient service on payment and search of taxes and penalties of traffic police and also the beginning of use of the means of cryptographic information protection (MCIP) of Rutoken of EDS in a single system of remote banking of Faktura.ru legal entities and physical persons.

According to developers, Faktura.ru will suit the enterprise of any scale. Using service, financial institutions of any organization structure and direction of business can quickly interact with bank, partners and service providers.

As of November, 2013 Faktura.ru will help:

• Save time on communication with bank, interacting online.
• To manage quickly all accounts of the enterprise in the mode of "one window".
• Use a broad set of basic functions and free innovation services.
• Control a status of accounts using SMS service and - E-mail of notifications.
• Regulate access rights of employees during the work in Internet bank for ensuring additional control.
• Work directly from the 1C: Enterprise interface.

Faktura.ru is electronic service for remote control of the bank account via the Internet which promotes:

• To rational use to time allowed for commission of daily payments.
• To receiving high-quality bank service in mode 24х7х365 worldwide where there is an Internet.
• To effective control of expenses and confidence in security and transparency of financial transactions.
• The maximum efficiency of account management by means of mobile devices.