PJSC Sberbank

At SPIEF-2025, Sber presented an automatic savings service for legal entities.

The new digital product based on the proprietary neural network model GigaChat is designed for small business clients. The first 200,000 users of the SberBusiness online bank can evaluate its capabilities for free.

The tool is designed for entrepreneurs who want to manage the online reputation of their business, attract customers and increase their loyalty.

The product is aimed at professional developers and offers tools to improve the efficiency of development, testing and integration with Russian management systems.

Sberbank has introduced an innovative solution for the foreign exchange market - an AI assistant based on generative artificial intelligence. The new system analyzes market data in real-time, identifies anomalies in quotations, and helps traders make more accurate decisions. The implementation of the technology has significantly increased the efficiency of working with foreign exchange transactions and improved the quality of customer service.

A fully digital rental process is ensured through a mobile application. Availability for all clients without exception. Enhanced security measures with multi-factor authentication have been added.

The "Transport" industry solution now features detailed analytics of fleet expenses. It now automatically assesses and controls expenses: fuel, repairs, leasing, insurance, fines, toll roads.

Managing business through mobile applications is becoming even safer. The SberBusiness mobile application for the Android platform has introduced a new feature called "Vulnerability Protection," which provides instant threat detection upon user authorization. This will help entrepreneurs avoid virus attacks, hacks, and other cyber risks associated with doing business in the digital environment.

A new service for entrepreneurs, "Instant Payments," has been launched on the Gosuslugi portal. This tool allows legal entities to quickly pay taxes, fees, and other bills from government institutions in just a couple of clicks. The service was developed by Sber in collaboration with the Ministry of Digital Development, Communications and Mass Media of the Russian Federation.

Sberbank has presented the updated GigaChat 2.0 model line. According to the MERA benchmark, the flagship model GigaChat 2 MAX ranks first among AI models for the Russian language. In international tests, the new line outperforms GPT-4o, DeepSeek-V3, LLaMA 70B, and Qwen2.5 in a number of indicators.

Sber, at the initiative of the Banking Association, has implemented a payment technology using the Faster Payments System (FPS) through the Multi-QR platform. Now, users can pay for purchases using mobile applications from any bank that supports FPS by scanning QR codes at two million terminals across Russia.

February 25, 2025, Moscow. Now you can register as an individual entrepreneur directly in the SberBank Online mobile application, without visiting government institutions and incurring additional costs. The service is completely free and automated: the bank will independently transfer all the necessary data to the Federal Tax Service (FTS).

Sber has completed the transition to the Russian privileged access management system BI.ZONE PAM, abandoning foreign counterparts. This decision meets the requirements of regulators regarding the import substitution of critical technologies.

In 2024, Sber provided significant support to Moscow entrepreneurs, providing funding of over 270 billion rubles for small and micro businesses. These funds enabled the implementation of a wide range of business projects, including the launch of new enterprises, the modernization of existing production facilities, and the expansion of companies' activities.

According to a study conducted by SberAnalytics in November 2024, the majority of Russian companies have switched to using domestic BI platforms for business analytics. According to the survey, 82% of Russian enterprises actively conduct analytics on Russian platforms, which is 5% more compared to last year.