The film “Back to the future” has sent your hero in 2015, imagine what will be the future 30 years. And this year it was something invented in the movie came true while others are not. So let’s try to imagine what will be the future of Finance in the conditions of total technologization.
Virtual money
Beginning of 2016, was marked by the incredible fluctuations in foreign exchange rates. The Euro and the dollar was riding as a “hell-the-box”, breaking the mark of 90 rubles per Euro, again losing a few cents, allowing all friends of relieved exhale. What if in the future there will be neither the Euro nor the dollar and won’t even RUB? For the fate of any currency, as at the final of the world Cup, we will have the voltage to keep the world. Igor Chepkasov,
the President of the national Foundation for development of the cryptocurrency alleges that the money of the future is the Blockchain.
“If cryptocurrencies and the Blockchain will be widely used, Bitcoin and related technologies will help to reduce the level of fraud in e-Commerce and online banking. End users will significantly reduce the cost of your financial operations and civil transactions, and the business will significantly reduce expenses associated with the implementation of financial and economic activity. The sphere of civil and property relations will undergo significant improvements through transparency, simplification and reduction of procedures. The state will be able to shift a huge number of public services on the shoulders of applying the discussed technologies, reducing bureaucracy at times,” — says Igor Chepkasov.
According to the President of the national Foundation for the development of crypto-currencies, thanks to the technology of the Blockchain is possible to assure any transactions or contracts, to register acts of civil status and, optionally, the results of the voting.
“You can get almost any government services without intermediaries, cheaper and faster. It is possible to provide and receive educational services, you can control the distance of complex processes, up to and influence on the political processes around the world, not to mention their country. Call it direct democracy in action, if you want,” concludes the expert.
iBank
But if money becomes virtual, then what about banks? We all will stand in line, but now only virtual electronic receiving salaries and pensions or online banks that now appear will be able to get its development in the future.
That the banks are gradually changing the emphasis: there are more banks operating under bezopasnoi model, Yana tells Gannicus, marketing Director of the Bank for entrepreneurs the period (FY “Discovery”).
As an example of “virtual” banks can result not only us — the “Point”, but “tinko” and “Modelbank”. To unload their branches and try the old-timers of the market, like Sberbank and Alfa-Bank. To provide customers with convenient services remote help capabilities, Internet banking and mobile applications. According to our statistics, 40% of clients regularly use a mobile application to solve business issues”, continues Jan Gannicus.
Technologies today allow many, allow even more. Now you can with a certain reliability the analysis of the behavior of a potential customer in the social networks and stores to offer him one or the other, for example, a banking product.
About new solutions it is possible to speak infinitely. These solutions including touch and, for example, credit factories, which leads to a significant acceleration of procedures of underwriting (simplified, the approval of the loan application). But also here not all so unambiguously.
“The fact that constructability running forward forces to compete with technology. Now the Manager is not needed, everything is done remotely. Now imagine the situation that you have not a standard request. In the system it is not configured. Already, many Federal banks simply do not take into consideration such requests. Will the adaptability in working with these requests, maybe, but probably in the very distant future. There are issues that are still impossible to lay in the technology analysis. This is actually a creation of the mind”, – says Georgy Soldatov, General Director, engineering company “Aditum”, managing partner of the company “Leto Consulting”, member of independent Directors Association, special projects Manager at the national rating Agency, development Director of the company “ABC Housing”.
But let’s for a moment recall the past, then, however surprising it may sound, but the banker knew all the neighbors. He usually knew all the businessmen in his town. Sometimes he knew the situation in the companies of their clients even better than one can say any statements one way or the other, reporting is just a presentation of information with some distortion, otherwise there would be so many rules and controversy surrounding statements. That future technology will be able to flexibly approach the financial issues doubts Georgy Soldatov.
“Today, when regional banks artificially derived brackets of our financial system (for example, increased capital requirements), replace them by the Federal “food factory is not capable of flexible interaction and this leads to the fact, that on the one hand clients lose opportunities, and on the other hand, banks would lose the same features. And this is the flip side of today’s racing technology,” concludes General Director of engineering company Adetim.
Back to the future
But that integration still was not as smooth banks that work with entrepreneurs, just the necessary integration with various online services.
“Integration needs to occur with accounting services, such as the Elbe, in My case, 1C, Circuit. Accounting, Button. Moreover, ideally, such integration should be absolutely seamless so that the client does not have Internet to upload the Bank statement, save it, and only after that to load in 1S. This is the technology we are testing with 1C”, — .says the marketing Director of the Bank for entrepreneurs Point
As we see the future is already very close and today online-banks type “Point” and “Modelbank” there is a remote service created by the special-hour online office and Internet service. Most of the applications in online banks for opening Bank accounts are accepted through the Internet, and all the necessary papers signed in the Bank, and where it is convenient to the client. To do this in a convenient place and time to the entrepreneur coming Manager to work with clients and enters into a contract. In future, all the work takes place in the Internet Bank or mobile application. Now the functionality of the Internet Bank allows you to close the basic needs of customers: have the option of batch signing payments, print and save the payment, the option to send them to your email. There is an automatic filling of the budget payments so that the customer is not confused in the long digital codes; identification of the documents for photos that allows you to instantly digitize the beneficiary details and create the bills.
