Banks will start the opening of accounts by videoslatina Saveliev | 09.11.2020
The first and foremost function will be to test to receive salaries and social benefits, as well as in the accounts of people with disabilities.
As reported by RBC with reference to the Chairman
The national Council of financial market, the Central Bank was requested to pilot the technology in its regulatory “sandbox”. Preliminary approval has already been obtained from the Department of financial
technology CB, next, next week will be the discussion of the details.
At the moment it is proposed to introduce limitations in the form of balance on accounts not exceeding 100 thousand rubles, and the monthly volume of transactions more than 60 thousand rubles. In the future technology of video you want
to extend to the opening of accounts for verification of clients when concluding contracts of service, payment of utilities and communications, identity verification at registration of the credits, and to verify users
the marketplaces and crowdfunding platforms. However, for scaling you first have to allow banks to use such methods identify and make changes to the legislation.
The pilot will involve 18 banks, among which are QIWI, Sberbank, Tinkoff Bank, OTKRITIE, Raiffeisenbank, Promsvyazbank, Sovcombank, Telebank, “Zenit”, BKS Bank and others. For
in order to use the service, the client will be required to apply for a sharing session on the Bank’s website, write data INN, SNILS, passport, phone number and postal address, or give
permission to use information from the portal (if the account is confirmed there).
The script of the procedure will be similar to the communication in the office employee will compare the data from the system data in the application, make sure hit the link people filed their documents, and then give
consent to conclusion of the contract.
Of course, there will not be without risks, for example substitution or identity theft, Fake Deep (overlapping the face and the voice of the customer the Bank on an outsider at the time the call). For this
banks will have to provide the algorithm with additional identification. However, the method promises to be more convenient than biometrics because it will not need special equipment.
the banking system, videoconferencing