| Developers: | Moscow Exchange |
| Last Release Date: | 2024/08/30 |
| Branches: | Financial Services, Investments and Auditing |
| Technology: | Remote Banking Systems |
Content |
2024: Ability to purchase units of mutual funds online as part of a single window
Clients of the Financial Services personal finance platform were able to purchase units of mutual investment funds (PIFs) online as part of a single window. The Moscow Exchange (Moscow Exchange) announced this on August 30, 2024.
The first management company whose mutual funds became available for purchase on the platform was INCOME Management Company.
You can become a shareholder - the owner of a stake in a mutual fund - in a few clicks, and Financial Services do not take a commission for the purchase or sale of shares.
To choose the right fund, users can use the mutual fund screening, a convenient tool that allows you to quickly and easily find and analyze mutual funds from Russian management companies. With it, you can filter and compare funds, including by profitability indicators, asset types and the minimum amount of investments.
Шаблон:Quote 'author = noted Margarita Borodatova, General Director of INCOME Management Company.
Pros of buying funds:
- availability - cost per share from 1 thousand rubles;
- assets of funds are selected by professional managers, which ensures the diversification of investments.
Purchase of units is available to all users of Financial Services after authorization on the site or in the application.
2023
Part of the dialog assistant for the "Moscow Exchange"
The Speech Technology Cent er Group, together with the project of the Financial Services of the Moscow Exchange, has developed a dialogue assistant to optimize customer experience. The CST was announced on February 7, 2024. Read more here.
Add Smart Broker Matching Service
The Moscow Exchange provided private investors with a smart broker selection service that allows you to compare service conditions and compare tariffs of Russian brokerage companies. By making a choice, users can open an account online and start investing. The service is available on the Finservy platform website. The Moscow Exchange announced this on November 17, 2023.
The Moscow Exchange School conducted a study on how Russian investors behave when choosing a brokerage company: what they pay attention to and how the preferences of newcomers differ from the priorities of more experienced investors. The data obtained from the study of investor preferences formed the basis of the service.
The results of the study showed that the fame of the brokerage, its scale and the presence of offices throughout the country are important for novice investors. More than 71% of newcomers called a convenient and understandable trading application a prerequisite for cooperation with the broker. One in two such respondents expect the company to teach them the basics of exchange trading. More than 80% expect service rates to be presented in a simple and affordable form.
Among experienced investors, 74% study the terms of currency transactions when choosing a broker. So, they are interested in whether the broker gives access to the foreign exchange market of the Moscow Exchange, to which currencies and with what commissions, how much it takes for the withdrawal of currency and to which banks it allows you to withdraw.
The terms of derivative deals are important for 21% of experienced investors. They pay attention to the commissions for transactions with fixed-term contracts and to more detailed parameters, for example, the flexible size of the guarantee for futures and options. 25% of experienced investors want to trade through a specific trading terminal, most often calling QUIK and MetaTrader.
Integration with Alfa ID
On the Financial Services platform for customers, the possibility of full delegated identification of customers using the Alfa ID service is connected. This was announced on October 11, 2023 by representatives of the Moscow Exchange.
As reported, Alfa-Bank clients with the help of Alfa ID can confirm their documents in their personal account in a few clicks, the functionality is available both in their personal account on the website and in the Financial Services application. The user just needs to select the "Log in with Alpha ID" option.
Full identification by documents allows you to get quick access to the entire assortment of products of the Finservug website: select and open bank deposits online in 24/7 mode, take out cash loans, purchase policies, as well MTPL mortgage insurance as people's bonds the Russian regions and not only.
 | Thanks to this identification mechanism, Alfa-Bank customers get access to special offers on Finservugs in just a couple of clicks. told Igor Alutin, Managing Director of the project of the Moscow Exchange Financial Services |  |
Earlier, in order to become a confirmed (verified) Finservug user, it was necessary to pass authorization through Public services and meet with a representative of the platform for identification by passport. Also, the ability to identify through Tinkoff ID has already been implemented.
Integration with Smart Engines Document Recognition
The personal platform finance "" Financial services Moscow Exchange has implemented a system recognitions passports developed by the Russian AI the -company. Smart Engines This was announced on February 27, 2023 by representatives of Smart Engines.
The Smart Engines system recognizes passport data in imperfect conditions, for example: glare, insufficient lighting, location of the document at an angle or in the form of a "book." The solution reads the main spread of the passport in 0.15 sec. and is able to determine the signs of forgery of documents on photocopies of documents for the purpose of physical identification of the client in Finservugs.
The peculiarity ON is that recognition can occur, including through camera smartphone in the video stream.
Smart Engines uses proprietary printed text recognition technology in 102 Green languages OCR. It consumes minimally. charge batteries smartphone protects personal data The client system from transfer to third parties, works autonomously and does not require connection to. to the Internet
| | As a high-tech platform, Finservy continuously introduces technologies, improves the quality of service in order to solve all customer issues as soon as possible. As of February 2023, the Smart Engines toolkit is included in information processing processes to further increase the speed and efficiency of the platform for the company's customers, noted the managing director of the project of Finusluga of the Moscow Exchange Igor Alutin.
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| | Financial services received the next generation document recognition system. Artificial intelligence checks all incoming documents for authenticity, instantly recording signs of passport forgery. The products improved Finservag's user experience and protected customer data, emphasized CEO of Smart Engines, Candidate of Technical Sciences Vladimir Arlazarov.
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2022
Increase in the number of depositors per year by 1.7 times
The Moscow Exchange summed up the results of 2022 on the work of the Finservy platform. The number of depositors in 2022 increased 1.7 times. And in total, more than one million customers made a deal on the Finservy platform collectively for all products - insurance, deposit and credit. The Moscow Exchange announced this on January 10, 2022.
At the end of 2022, the most significant results were achieved within the framework of the strategic direction of the platform's development - savings. At the end of December 2022, the number of deposits opened on the platform increased 2.5 times, and the amount of deposits of all customers - 2.2 times. The average deposit amount for Finservag customers amounted to 465 thousand rubles, and the average deposit period was 7.7 months. At the same time, even clients with an average check of up to 1 million rubles prefer to simultaneously open several deposits at once for different periods - on average, there are three deposits per client.
In 2022, Financial Services launched a mobile application in which all the advantages that are on the site are available. The application can be downloaded not only in the App Store and Google Play, but also in the RuStore and NashStore. In December 2022, Finservag clients opened 30% of deposits completely in the phone.
Clients of the platform have access to offers from 20 banks, in addition, offers from another 150 financial organizations are presented on the showcase. Also in 2022, in partnership with banks, special deposits with increased rates were launched, available only to Finservug customers.
{{quote 'author = said Igor Alutin, Managing Director of the project of the Moscow Exchange Financial Services. | For January 2023, the Finservy platform offers a large range of products for customers: from deposits bonds to loans, mortgage insurance and. MTPL In addition, we are actively developing mobile application and increasing cooperation with partners. We intend to develop at the same high pace in 2023, which is planned to expand the functionality of the platform and mobile application, as well as the development of financial literacy,}} Russians
Integration of the CraftTalk chat platform for consultations of individuals
On May 30, 2022, CraftTalk announced the introduction of a chat platform (online chat) for consultations of individuals on the Finservy platform created by the Moscow Exchange.
Finservugi platform is a personal finance platform created Moscow by the exchange as part of. of the Marketplace project Bank of Russia On Finuslugs, you can choose and open bank deposits online 24/7, purchase policies, MTPL mortgage insurance as well as people's bonds of Russian regions. The platform's mission is to increase the availability of financial services in. Russia
| | High quality and speed of service is our absolute priority, so we use optimal communication channels, including online chat, where our clients quickly receive answers to any questions about the platform. The main channel of online communication is various messengers, so we chose the CraftTalk chat platform for implementation, which helped organize omnichannel communication in chats not only on the portal, but also in two messengers - Telegram and WhatsApp, - commented Sergey Budnik, Product Director of the Finservy platform of the Moscow Exchange. | |
The project of launching a chat platform for Finuslug was implemented in several stages. First, the CraftTalk boxed product was quickly deployed, which includes an omnichannel chat center, a knowledge base with an AI search system, and an analytics and monitoring module. Then the CraftTalk team completed a number of integrations and settings for Finservugs for individual customer requirements.
Thus, the chat platform has an open API, through which integration with CRM, personal account, website and other systems of the Moscow Exchange is underway. Extensive work was carried out to configure comprehensive analytics, which helps the operator and groups of experts in work on specific topics, and gives an overall picture of the effectiveness of the contact center to its supervisors and managers.
| | Each project for customers from the financial industry is different for us. With the general requests of the industry, we see that there is a need for a special configuration of our solution, which allows each of our Customers to allocate their service and make it special. We are glad that colleagues from the Moscow Exchange made a choice in favor of CraftTalk. Moreover, the next stage of cooperation is the integration of our solution into the Finservug mobile application, which the customer performs independently, which proves the convenience and intuition of our solution, - commented Konstantin Prokofiev, Sales Director of CraftTalk. | |
2021
Joining the API Open API
FinTech Associations Open APIs financial Marketplaces - Financial Services and will take part in pilot projects to create services using. Moscow Exchange The Сравни.ру Fintech Association announced this on December 27, 2021. More. here
Adding a deposit replenishment service and accounts through the SBP
The Financial Services platform of the Moscow Exchange has implemented a service for replenishing deposits and accounts through the Fast Payment System (FPS). Any deposit opened on the platform can be replenished without commission from the account on the Financial Services. The developer announced this on December 23, 2021.
To replenish the deposit opened on Finservugs, using the SBP, you need to choose a way to replenish the "SBP" in your personal account and indicate the amount, and then use your banking application to scan the QR code generated by the system. After that, the translation can be made using automatically filled in details.
To replenish the account on Finuslugs, it is enough to select "My account on Finuslugs," and then "SBP," scan the QR code in the mobile application of your bank and make a transfer using automatically filled in details.
Service of purchase and sale of national bonds of territorial subjects of the Russian Federation
On December 20, 2021, the Moscow Exchange presented a service for the purchase and sale of people's bonds of the constituent entities of the Russian Federation. The securities of the regions will be sold only on the Finservy platform, a brokerage account is not required to acquire them.
According to the company, the Kaliningrad region became the first issuer whose securities will be able to be purchased by Russians in Finuslug. Bonds of the Kaliningrad region with a constant coupon income are available for purchase, the coupon rate is 9% per annum. The minimum investment amount is 1000 rubles.
All funds raised will go to the development and improvement of the Kaliningrad region. Investors will be able to choose a project to which they want to send their funds and will receive a quarterly report on the implementation of the project. Information about the project will be provided by the Kaliningrad region.
People's bonds of the regions allow placing funds without market risk - the price of securities is fixed in the prospectus and consists of the face value of the paper and the accumulated coupon income (NKD). You can sell the paper at any time with the preservation of the NKD.
The agent for the sale and storage of people's bonds of the constituent entities of the Russian Federation is the National Settlement Depository.
| | We are consistently expanding the product spectrum of the Financial Services platform and are pleased to offer Russians a tool to invest in low-risk bonds of the regions. These are securities that can be purchased from us on the platform and thus diversify the savings portfolio by adding an investment instrument of proper quality. In fact, the people's bonds of the regions are an analogue of the savings account with the difference that the income on them does not depend on additional conditions and a person can immediately calculate his benefit. And the funds raised as part of the placement of bonds at the Financial Services regions plan to direct to the development of social infrastructure, the implementation of ESG projects. told Igor Alutin, Managing Director of the project of the Moscow Exchange Financial Services | |
| | For NSD, the implementation of the project to allow bonds of the regions for the population meant the construction of another depository structure that is not typical for NSD's activities. It took a lot of effort from the team. told Denis Buryakov, Managing Director - Head of NSD's Center for Depository and Clearing Services | |
| | Bonds for the population is another tool to improve the financial literacy of the inhabitants of our country. As of December 2021, their profitability is higher than the average for deposit deposits. At the expense of the attracted funds, water bodies will be cleaned, landfills will be reclaimed, five projects for the improvement of the cities of the region will be implemented. reported by Victor Porembsky, Minister of Finance of the Kaliningrad Region | |
It will be possible to purchase people's bonds of Russian regions on Finuslugs after registering and linking an account on the State Public services portal, while identification in personal presence is not required. After registering in the "Investments" section in your personal account, you can select and purchase the required paper by clicking the "Buy" button. In this case, an account-deposit will be automatically opened with NSD, on which bonds will be stored.
The application for the purchase of people's bonds of the regions can be sent on any day of the week. Sales orders are executed the next day if they are submitted before 4:00 pm or after business day if they are submitted after 4:00 pm.
Luna Platform Implementation
The Financial Services Platform of the Moscow Exchange will introduce VisionLabs' Luna Platform face recognition system into the customer identification process. The use of data validation technologies will improve the quality and speed of service to platform customers. This was announced on November 16, 2021 by VisionLabs.
On the Financial Services platform, Russians can choose profitable offers for deposits, loans, insurance and other financial products, purchase them 24/7 remotely, without visiting the office.
To open a contribution on Finservugs, you need to go through the process once authorizations with your personal presence - for this, a platform representative will arrive at a convenient time for the client. When registering application algorithms in facial recognition, Luna Platform verifies the client by comparing his selfie and photo in the documents provided. After confirming the identity, the client will be able to use any Financial Services services an unlimited number of times, a second check with a personal presence will not be required even, for example, when changing the passport.
The use of an intelligent facial recognition system will significantly reduce the processing time of documents and allow the client to quickly gain access to the platform's functionality.
Шаблон:Quote 'author = noted Ilya Romanov, Commercial Director of VisionLabs.
Support for Microsoft Dynamics 365 CRM-based client service
WaveAccess on March 31, 2021 announced that it had configured the client service and organized its support, created a convenient operator's workplace, customized the CRM system and created several custom modules for Finuslug. Read more here.
2020
Connection to the platform using "CFT-Marketplace"
On October 26, 2020, CFT presented to banks a solution for quickly connecting Finservugi - CFT-Marketplace to the personal finance platform. Thanks to the CFT service, the bank can start working on the platform in a short time without finalizing its own ABS. Read more here.
Finservy Platform Capabilities and Operation Scheme
At the first stage, work with deposits was implemented, and in the future the Finservugi personal finance platform will allow:
- 1. Work with insurance
- 2. Buy financial products: OFZ-n, OPIF, structural investment products
- 3. Take out loans and manage them.
Inclusion in the Bank of Russia register
Финуслуги.ру in August 2020 received the status of the Platform Operator and is included in the register of the Bank of Russia.
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