Technology is changing banks forever – Postolnikov Anton

Do you remember back in 2007 it was normal to hear the phrase “Where you got the card, go there”? A lot has changed since then, and banks have become much more customer-oriented. The evolution was largely due to the development of the fintech direction. Postolnikov Anton, an expert and developer in the field of financial technologies, will try to predict what business and customers will expect from banks in the future.

Postolnikov Anton: The specifics of the sphere

In 2008, a serious crisis occurred in the world, which forced commercial organizations to look for ways to reduce spending. In parallel, there was a process of development of mobile applications. The combination of these factors led to the development of services that would facilitate interaction with finance: they helped to reduce costs and increase the effectiveness of offers related to money turnover. Many developments are created for business and are related to banking, lending, investments, verification of counterparties. But there are solutions for end users as well.

Postolnikov Anton

Postolnikov Anton

Anton Postolnikov notes that such projects are based on popular modern technologies. For example, with the help of data analysis, the user can get several optimal mortgage offers for his request. Robot consultants, thanks to machine learning, cope with a large number of requests — remember the application of any bank, where, as a rule, a virtual assistant answers in the support chat, and not a live operator. It turns out that fintech projects qualitatively improve two areas: the convenience of customer service and the speed of the organization itself.

– Variety of payment methods

In Prime restaurants in Moscow, you can already pay using biometric data through Sberbank — just select the “Payment at a glance” setting in the application and go to the terminal. And this is not an innovation: in the Chinese metro, they have been paying for travel by “face” for a long time. Anatoly Aleksandrovich Postolnikov is sure that the trend will only develop. Then there will be many payment options: by sight, by transfer, by QR code, and by digital currency.

– Reputation rating of legal entities and individuals

Postolnikov Anton: The expert believes that such a rating will be a key factor in matters of lending, investment and business relations. Both the creditworthiness of a person and his credit potential will be calculated automatically in the future. This will make it easier to track unreliable counterparties and prevent money laundering.

– Analysis of customer behavior

Postolnikov Anton: Like any commercial organizations, banks are interested in sales growth. Therefore, their main goal is to collect more information about users in order to predict their behavior. Anatoly Postolnikov notes that to do this, banks buy data from telecommunications companies and organize events where leads are collected.

– Reporting and accounting

Postolnikov Anton: Most likely, over the next 3-4 years, accounting will become fully automated. The entrepreneur will independently evaluate the solutions that artificial intelligence will offer him. Some functions of accountants have already been transferred to robots. For example, Beeline reported that with the help of the RobBee algorithm, it managed to save more than 50 million per year. RobBee checks the correctness of cash documents and transactions in all sales offices. He freed up specialists and reduced the complexity of the process by 4 times. At the same time, as the company’s press service noted, the speed of operations increased by 30%.

– Rethinking the functionality

Postolnikov Anton: Most financial organizations now have a similar set of services: a checking account, a credit card, a mortgage. Anatoly Aleksandrovich Postolnikov believes that in the future banks will be divided into two groups: aggregators of financial services and highly specialized banks. We are already moving in this direction, remember at least the ecosystem of “Sber” or “Tinkoff”.

Aggregators will gather financial services in one interface, and other organizations will focus on solving a specific task, for example, consumer loans or mortgages. This is due to the fact that over time, traditional banking services will become less profitable for the holder of the process.

Anatoly Postolnikov concludes: modern technologies make it possible to satisfy the customer’s need for a system of understandable services seamlessly interconnected. Fintech projects help to create the very “bank in your pocket” and offer solutions that allow you to perform maximum financial transactions in a single window. This trend will only intensify, and financial organizations will focus even more on improving customer service.

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