VTB

The bank continues to develop an automated system for analyzing risks for various trading instruments. The implementation of its own import-independent solution for assessing risk indicators for brokerage products has been completed. The implementation allowed to increase the level of automation of business processes by 1.5 times, as well as expand the possibilities of margin lending and increase the efficiency of investments of the broker's clients.

VTB, together with Alfa-Bank, is implementing a pilot project to introduce the Open Banking standard on the platform of the FinTech Association. The companies announced this on the eve of SPIEF-2024. The new technology will allow customers to see all their accounts and products in one personal account and perform their usual operations there - for example, apply for a loan. The full transition to open interfaces in the financial sector is planned from 2026.

VTB is launching a service that allows securities holders to vote at shareholders' meetings in the broker's application. Thus, "VTB My Investments" can become a single window where an investor can perform all the necessary corporate actions. The technology ensures the security of the process, and it will be possible to vote for those companies that are registered with VTB Registrar.

Throughout 2024, VTB's mobile operator will double the number of regions where it operates. This year, the operator began operations in seven new regions: Primorye and the Vologda region, and from May 15, in the Murmansk, Yaroslavl, and Samara regions, as well as in the Yamalo-Nenets and Khanty-Mansi Autonomous Okrugs. The number of regions where VTB Mobile operates has already grown by more than a third since January.

Alexey Chernetsov has been appointed CEO of VTB Mobile, effective April 1. He joins from PJSC Rostelecom. He will be responsible for developing and strengthening VTB operator's position in the mobile communications and digital services market.

VTB Bank and VTB Accelerator tested the Russian solution Voca Tech, which records and automatically analyzes the communications of the bank's branch managers with customers. The innovative product helped to increase the efficiency of employees. The service is already being used in one of VTB's divisions and is preparing for further scaling in the bank.

VTB has joined the Federal Tax Service's experiment to provide a comprehensive service called "Starting a Business Online." With its help, Russians will be able to remotely register a business on the Federal Tax Service website, obtain an electronic signature, and open a current account at a bank.

VTB has learned about new tools that fraudsters use to attack retail customers in messengers and social networks. Now they have begun to use voice messages from existing correspondence with people from the contact list. Previously, audio recordings were created using artificial intelligence.

In 2023, the VTB Accelerator team reviewed and evaluated over 300 technology startups from the Russian market. 29 pilot projects were implemented in various fields, which is 20% more than in 2023.

VTB Bank was one of the first to launch a pilot project using new acquiring equipment in retail chains - PAX D320 POS terminals, which allow accepting payments through the Faster Payments System using NFC. The bank plans to install terminals of this model for existing and new clients.

VTB clients of medium and small businesses engaged in foreign economic activity can issue a virtual card of the "Customs Card" payment system of any category free of charge. In digital format, the product retains its full functionality and allows entrepreneurs to save time and money on processing paper documents and visiting the bank's office.

Starting January 11, fare payment via the Faster Payments System (FPS) is available in open test mode at all turnstiles of the Moscow Metro and the MCC. The service is implemented by VTB Bank, the State Unitary Enterprise "Moscow Metro" and the Moscow Department of Transport in conjunction with the National Payment Card System (operational payment and clearing center of the FPS).

VTB Bank has developed and implemented its own technological solution for processing information and verifying the quality of data used in the preparation of management and analytical reporting within the "Acquiring" product. This has accelerated the preparation of necessary reports and the business decision-making process. The new solution is implemented on the domestic Arenadata DB platform as part of the formation of technological sovereignty in the bank.

After deciding to start a partnership with the bank and becoming its client as a legal entity, I wanted to carefully explore the possibilities of connecting additional services necessary for solving everyday business tasks, such as accounting, sales, legal support, fundraising, and much more.

VTB has completed the migration of clients to the new remote banking system for large businesses "VTB Business Online". This was announced by Alexander Botsiev, Head of Transactional Business Department - Senior Vice President of VTB, during the 14th VTB Investment Forum "RUSSIA CALLING!"