Финтех

Финансы

Moscow

APIBank allows to create an online bank under your own brand or co-brand. Using the platform you can implement the solution for payment settlement with clients (e-wallets, electronic money) in the service, introduce putting on hold service and enable withdrawal from accounts. Aggregators can implement a out-of-the-box solution for working with private contractors, create accounts for specialists with an opportunity to register in FTS and pay taxes, issue branded bank cards and control calculations.

The connected modules include: module for opening bank accounts, issuing online and physical bank cards, legal support, payments and cash management, creating an account for the client, introducing partner loyalty programs, user identification, card and personal account branding, putting on hold and withdrawal from bank accounts, e-wallet, acquiring, integration with payment systems and P2P transactions.

fintech

banks

APIBank

First FDO ensures quick alignment with 54 Federal Law (54-FZ) requirements, modernization of cash register, management of selling outlets and e-signature. The platform allows to control the volume of sales, cheques, controls the average cheque and data for creating loyalty programs and cross-marketing and balancing cash drawers.

ecosystem

First FDO

Scorista

The service allows MFIs to make the best decision on granting loans and reduce the percentage of non-payments by one third. Connection to the Scorista.ru system is carried out through the API or via the web-interface, which reduces the cost of MFIs scoring.

The developed system for assessing the quality of borrowers is based on the principle of deciding on a loan under the SaaS scheme, using its own algorithm and mathematical model based on Big Data.

lending

SaaS

big_data

cloud_service

artificial_intelligence

Scorista.ru

Webbankir is an instant lending system providing online microloans and including all steps from processing requests to receiving the money by client. The request is processed within 10 minutes.

After the request is approved and the loan agreement is signed, the money is transferred to bank card, Yandex.Money wallet or via CONTACT system. Customer’s data is confidential and can not be distributed to the third party without the client consent.

online_service

Webbankir

Moneyman uses overdue promissory obligations collection technology based on AI. AI sets the date when the borrower repays the debt and chooses means of interaction with the borrower using machine learning technology.

Moneyman calculates the possibility of the client paying the debt on a certain day in case of late repayment and helps to choose the best way of interacting with the client. The system chooses the most effective way of communication with the borrower (calls, SMS or emailing). The lender always communicates with the client remotely.

machine_learning

Moneyman

Alfa_Bank

Svetofor makes it possible for corporate clients to evaluate the risks of the operations in terms of legal requirements. The evaluation process is based on 5 criteria: the percent of tax liabilities, the proportion of operations including VAT and not including VAT, cash withdrawal amount, the amount of money remittances to individual accounts and the remaining balance.&nbsp;

The results of the check and the problems identified will be marked by colour risk level indicators. The green light means “no risks by any criteria”, the yellow light means “pay attention to the following signs” and the red light means “high risk of law violation”.

Together with the “traffic lights-coloured” indicators, the user gets short explanations, what are the main legal requirements for this type of operations, what are the violations and what are their signs and how to minimize risks. “Svetofor” is provided in the internet bank for corporate clients.

Svetofor

United_Investors

The investors subscribe to the platform and get access to the base of startups that are seeking financing. There are over 20 new projects every month, daily reviews of one of the projects, posts in the closed group on Facebook; the user can communicate with other investors and discuss projects and make co-investments. The startups are being selected to be featured in the app. The subscription fee is 15 thousand rubles per month. 
There is no fee for startups. Maximum investment is 15 million rubles.

co-financing

United Investors

The platform exercises control and fulfills the suspensive conditions for products with credit risk issued to legal entities. Registration and connection of a new member in the system takes no more than 5 minutes. Connection is free for lenders and settlement banks.

A smart contract records data to the blockchain with each transaction, which contains payment data for fulfilling suspensive conditions. The blockchain is also used to store the agreement templates of their participants, on the basis of which the parties sign an agreed version.

The blockchain entry ensures data protection from cyber threats and the immutability of the initially agreed conditions.

Blockchain platform for credit organizations

blockchain

SBC tendered

Mutual lending crowdfunding platform brings investors (individuals) together to help develop the borrowers’ (legal entities and individual entrepreneurs) businesses. By providing loans, investors earn from 20% per annum.

Fan.Money operates with automated scoring model that uses 256 financial and 24 business indicators. The borrower pays a fee from 3 to 6% to the investment platform for attracting investors. The fee depends on their credit rating and willingness to place information on raising funds on their products and promotional materials via the platform.

crowd_finance

Fan.Money

Viberu_ru

Viberu.ru offers banks’, insurance companies and non-governmental pension funds’ products and solutions. The system allowing to choose the product from the financial market’s offers is embedded on the website. The portal provides many ratings that help to choose the product with suitable options.&nbsp;

Moscow part of the portal includes information about the financial institutions of Moscow (340 banks, 122 insurance companies, 85 micro financial institutions, 54 non-governmental pension funds).

Banking and insurance products marketplace

marketplace

Viberu.ru

Findostavka

Findostavka provides financial documents and bank cards delivery across Russia. Mobile app makes it possible to control the messenger’s actions during delivery and send the partner all information, including photos verifying the operation’s completion in real-time.

Findostavka provides bank card delivery to the customers in accordance with 1 of the 4 legal schemes of remote identification with personal data verification, signing documents, making photos and returning the originals of the documents. The messenger also fills in a form in the app after the delivery is completed for the evaluation of risk parameters and marketing prospects.

Financial documents and bank card delivery service

Tech Solutions