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Anna Savelieva | 09.11.2020
First of all, the function will be tested for receiving salaries and social benefits, as well as on the accounts of people with disabilities.
how reported RBC with reference to the chairman
The National Council of the Financial Market, an application was sent to the Central Bank to pilot the technology in its regulatory sandbox. Preliminary approval has already been received from the Department of Financial
technologies of the Central Bank, further, next week, there will be a discussion of the details.
At the moment, it is proposed to introduce restrictions in the form of account balances not exceeding 100 thousand rubles and a monthly volume of transactions not exceeding 60 thousand rubles. In the future, video communication technology wants
extend to the opening of accounts for checking clients when concluding service contracts, paying for housing and communal services and communications, checking identity when issuing loans, as well as checking users
marketplaces and crowdfunding platforms. However, in order to scale up, banks will first have to be allowed to use such identification methods and amend the legislation.
18 banks will participate in the pilot, among which there are QIWI, Sberbank, Tinkoff Bank, Otkritie, Raiffeisenbank, Promsvyazbank, Sovcombank, Delobank, Zenit, BCS Bank and others. For
in order to use the service, the client will need to submit an application for a video call session on the bank’s website, leave the data of TIN, SNILS, passports, phone number and postal address, or give
permission to use information from the portal of public services (if the account is confirmed there).
The scenario of the procedure will be similar to communication in the office – the employee will check the data from the system with the data in the application, make sure that the person who contacted has presented his documents, and then will give
consent to conclude an agreement.
Of course, this will not be without risks, for example – substitution or theft of personal data, Deep Fake (imposing the face and voice of a bank client on an outsider at the time of the call). For this
banks will have to provide an additional identification algorithm. Nevertheless, the method promises to be more convenient than biometrics, since it does not require special equipment.
banking systems, video conferencing