The National Council of the Financial Market, according to RBC, has sent an application to the Bank of Russia for testing a new system that will allow opening accounts remotely through a specialized video conferencing platform.
To test the system, it is proposed to use the so-called regulatory “sandbox” of the Bank of Russia, which allows you to “test” new solutions without the risk of violating the current legislation. The pilot project involves 18 organizations, including Sberbank, Raiffeisenbank, Tinkoff Bank, Promsvyazbank, Otkritie, Sovcombank, QIWI, BCS Bank, Delobank, etc.
The scheme of the proposed system is as follows. At the first stage, the client makes a request to organize a video session. In this case, it is necessary to provide passport data, SNILS, TIN, phone number and postal address for identification. Identity verification can also be performed through the Unified Identification and Authentication System. Further, video communication is established – via a mobile application, social networks, instant messengers or Rostelecom solutions that are used in the Unified Biometric System. In case of successful passing of all necessary checks, the client can issue an invoice.
At first, it is proposed to provide people with disabilities with the possibility of opening bank accounts via video communication. In addition, in this way, invoices can be drawn up for receiving salaries and social benefits. In the future, the platform can be used to open accounts for paying for utility services, communications, etc.
However, so far we are only talking about testing the technology. For its practical implementation, it will be necessary to amend the legislation.
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