What banks are on friendly terms with smartphones

When the client a major Russian bank was on a business trip, she needed to spend a few operations. Connect to internet banking (IB) directly through the hotel internet network was problematic enough (this happened in one of the Russian regional centers). The task of connecting your laptop to the Internet using the smartphone as a GPRS-modem, it is also not right, but the call-center operator of a credit institution has offered for two minutes to connect the mobile banking service (MB). As a result, a client could not only make banking operation, but also save on bandwidth. To be fair, that such "situational" customers are among the users unit MB. The main part of users a new kind of banking services to come to her deliberately. And mainly because of interest in technical innovations, "sitting" on the Internet. 6 out of 10 Twitter users already use mobile banking, while 53% of consumers worldwide who are interested in mobile payments are even ready to change the bank, if only he could provide this service. More recently, mobile banking in Russia provided a few lending institutions. Now the situation has improved - almost ready to connect the MB all the big banks, but only a couple dozen of them can give the client a full MB. However, some banks divide their services on mobile banking and SMS-Bank. Through the latter as a client can receive SMS-messages on the incidence of its card transactions, and perform some operations by sending SMS with a code for a specific short code. MB, as a rule, is installed on the phone application, then there is a kind of "body" like interface IB. There are also lenders who still consider a notification SMS-information subspecies MB (and they are the majority), as well as those who call mobile banking PDA version of its IS. Increasingly known and acquire SIM Application Toolkit - banking application, "sewn up" in the sim-card customers. That is, for example, the Moscow Bank for Reconstruction and Development (IBRD). According to research firm In-Stat, by 2015 the number of people using to pay for goods and services, namely mobile phones, will grow to 375 million people, or more than 3 times higher than the projected figure in 2011, was 116 million. The volume of transactions conducted via mobile payments, will go abroad in the $ 1 trillion, that is, increase by 7 times. Experts attribute these optimistic forecasts with the "pocket" the availability of mobile banking services over its Internet rival. Amy Kreyvens, an analyst at In-Stat, said that currently slow the development of MB due to the constant rivalry between mobile operators, although their combined efforts to implement mobile payments to the masses would help to increase the penetration of the product dozens of times over the years. In Russia, according to AC & M Consulting, the number of active sim-cards in April 2011 amounted to almost 221 million in a population of 142 million even if subtracted from this number, those who because of age or distrust will not use the services of mobile banking will be very an impressive number of potential customers. And given that the market is almost covered, field of activity is obtained by a truly enormous. At the moment, the main users of innovative financial services, which include the MB and are members of the so-called Generation X. They are young professionals 30-40 years, who are well endowed, with corresponding high average level of spending and live mainly in Moscow and St. Petersburg . It is at these banks, should pay attention primarily to promote the MB. But the fight for these customers are going to not only credit institutions. The chase. According to research by NAFI, only 2% of Russia's use of MB. Its more advanced users is the online community - 10% of the total number of respondents. In anticipation of a sharp rise in the market associated with the accelerating pace of technology, telecom companies have long shown interest in the sole conduct of mobile payments. Now for this type of payment they are responsible, as well as banks. In this case there is some cooperation: recently removed from a cell phone payments made through the customer's account and through his bank card (Beeline, MTS). Plus, the leaders of the telecommunications market have expressed a desire to work constructively with credit institutions. Especially because no choice under the circumstances they still do not. A survey conducted by "F.", showed that all existing mobile payment market participants (and, in particular, mobile banking) understand the pattern of their different ways. This is not surprising, given the absence of a special law, signs a similar scheme. Currently there are proposals to change the laws "On Communication", "On Banks and Banking Activity", the introduction of the law "On the national payment system," which has already passed the first and second readings. Will the potential of these innovations by the market participants to sort out which of them confide in mobile payments and how they should be implemented is unknown even to specialists. According to Anatoly Aksakov, president of the Association of Regional Banks of Russia, the banking community wants to see the center of the payment system is the banks, "This is the most transparent and well regulated sector, which has the necessary reserves and protective mechanisms that ensure reliability and safety of the payments due to customers." It is interesting that among mobile operators, as well as among the lending institutions banks nomination to be the leader of mobile payments is somewhat puzzling. So, the banks themselves believe that too much "overregulation" will not allow them to create a truly efficient payment system, and mobile operators, in turn, believe that mobile payment system is closer to them and understood. However, despite his modesty, banks are struggling to keep chasing the client. The last two years were critical to many lending institutions. Thus, in early 2011 Smolensky Bank has introduced a mobile banking service for sales leaders - smartphones Apple iOS and Android. Savings also is preparing its version of MB for the iPhone. In October 2010, Alfa-Bank has issued an application for the iPad. A bank "Russian Standard" for the past year has launched a range of services, most of which are unique to the calls of Russia, among them: a virtual prepaid card for making a more secure Internet payment and money transfer service run by which users of the MB can transfer the credit institution funds from the account of a credit card to another credit card account in different banks. Exit from a Dispute. Recently at a conference "Mobile Finance" seriously discussed the creation of a National Payments Council, which would include all direct participants in the process - banks, mobile operators and payment system. The alternative to such a board is created by the Bank of Russia in the structure of the Technical Committee on "Standards of financial transactions," subcommittee "Mobile Payments", which plans to regulate this market, including mobile banking. Leaders and catching up. Most often the leader of a new trend, market participants (both mobile operators and banks) are called Alfa-Bank. This is not surprising, given that one of the major assets of the "Alfa Group" is the "Archive". In March, the bank boasted one hundred thousandth of its mobile banking customer, and noted that in 2010 his client had more than 1.6 million transactions through this MB. Only the first five months of 2011 with the "Alpha-Mobile" was carried out operations in more than $ 10 billion, while the number of transactions amounted to nearly a million. In this most popular of them are money transfer and payment for various services. Interestingly, the few Russian banks have a MB for iPhone, iPad, and smartphones based on Android. Given that the users 'mobile phones' platform Symbian still exist, and they are many, such a solution is not entirely justified. However, experts predict that Android to grab 40% market share by 2016, and the Apple brand already owns 20%. It should be recognized that the MB is not very popular among major market participants. Even though the availability of such services say 80 of the 100 largest retail banks, many provide a limited set of functions. For example, the bank "Uralsib", Bank of Moscow, NB "Trust" offers customers an SMS-only information. Many lenders are satisfied with PDA-version of online banking (for example, a bank, "St. Petersburg"), other banks MB just beginning to develop (the bank, "Orient Express"), and particularly far-sighted lenders spend upgrade their existing systems (Raiffeisenbank) . Merger or acquisition. There is no consensus about what constitutes MB, no one else has. In the "Beeline" consider mobile banking an excellent addition to the IB that is used when no internet at your fingertips. Elena Voronina, deputy chairman of the World Bank, suggests that mobile banking in the near future all the same "beat" Internet banking, because banks are more and more "bet" on him. Andrei Gamolskogo, director of the department of card and remote technology Rosbank more extraordinary vision. "In the near future capabilities of the" Mobile Client-Bank "will be used to enhance the security of Internet banking for individuals: mobile phone will be used as a device generating one-time password to verify operation of the system" Internet bank "," - he says. Anna Korotkova, Head of Remote Services Transkreditbank, believes that in the short term Russia can only expect significant growth in penetration of the classic mobile banking, as this service is most accessible to most of the population of our country, taking into account the prevalence of mobile communications and the ease of transactions in a mobile bank. It will take a whole of mobile banking services to remote or will he be satisfied with an application role to internet banking as a key to accessing services, experts predict not taken. But, considering that now attempts to "equip" smartphone functionality directly a plastic card, which will be charged the fare on the underground transport (only enough to bring the phone to the turnstile like usual ticket on the metro) or will be made purchases in stores, probably the first option. The above technology NFC (Near Field Communication) is already being tested in the Moscow subway and other transportation hubs. As stated by the experts, the price of the chip embedded in the handset, will not exceed $ 25. Abroad, in conjunction with Google MasterCard and Citigroup have already begun to develop a project to introduce NFC platform for smartphones with Android. But many urged not to rush with bright prospects estimates NFC. Boris Poddubny, Business Development Manager, IBM Russia and CIS, said: "There are significant constraints to the spread and adaptation of technologies: it is high confidence in the Russian citizens to cash, as evidenced by a unique distribution for the country receiving the cash machines and highly low percentage of non-cash payments, payment terminals need to upgrade networks to work with the NFC, additional equipment retailers NFC terminals, development of processing centers and so on. " Top of mobile banking * Bank Alfa-Bank, Russian Standard MInB Smolensky Bank Savings ** UBRD Uraltransbank Rosselkhozbank Unicredit bank Rosbank Year of introduction of mobile banking 2005 2009 2009 2010 2009 2002 2010 2009 2010 2008 Total score 51 47 39 39 39 36 33 30 29 27 SMS-information (customer notification via SMS-messages held on its card transactions, bank promotions, etc.) + + + + + + + + + +, including: checking account balance / map + + + + + + + + + + information on credits + + - + + + - - - + SMS-banking (operations by sending SMS-messages to short code) + + + + + + - + + + In the including: deposit mobile phone + + + + + + - + - - payment of utility bills, internet, landline, etc. + + - + + - - - - The possibility of making tax payments and cost + - - + + - - - - - transfer of funds to the account / card of another physical persons + + - + - + - - - - repayment + + - + - + - - - - View exchange rates - + - - + - - - - + + + card lock - - + + - - + - Mobile Banking (Special application for a phone with an interface such as Internet banking) + + + + + + + + + + app ported to the phone, not a smartphone that supports java + + + - + + + - + + Android + + + + - - - + - - Symbian + + - - - - + - - + Windows Mobile + + + - + - + - - - iOS + - + + - - + - + - including through mobile banking possible: deposit mobile phone + + + + + + + + + + payment of utility bills, internet, Landline, etc. + + + + + + + + + + Payments for tax and budgetary institutions + + + + + - + + - - transfer of funds to the account / card of another physical persons + + + + + + + + - + + + repayment + + - + + + + + operations with currency (purchase / sale, conversion) + + + + + + + - + + view recent transactions made + + + + + + + + + + show rates + + + - + - + + + + template filling payment documents for payment for goods / services + + + + + - + - - - search for the nearest bank branch + - + - - - + - + - * As of 06/01/2011. ** To use the service, you must be a user of Internet banking in the Smolensk PayWell bank. Sources: Banks, calculations "F." technique were used to assess the leaders of the retail market - in terms of deposits and loans. For each operation / service to which access is possible with MB, Bank charges 1 to 4 points depending on the importance of product / service, according to "F.". Comparison of the structure to use payments,% of respondents view the financial services All Russia Internet users pay by credit card products / services via the Internet 3 50 Payment by personal study of Internet banking Payment January 22 through February 10 mobile banking payment by electronic money 1 43 Payment of accounts of mobile Phone 0 33 Source: NAFI