The introduction of high technology allowssignificantly simplify the process of work of ordinary users with modern banking institutions. Russian banks now have the opportunity to open accounts without visiting branches with a smartphone and an account in a single biometric system (EBS). However, customers are in no hurry to use the new service, which is explained by experts as the Russians are overwhelmed by the need to transfer personal data, including a face scan and a voice sample, to banking institutions.
Currently, the EBS database already has over100 thousand face scans and voice samples, which is only about 1% of the total number of Russians discussed in banks. Almost 25% of users connected to the electronic banking system are VTB Bank customers. Actually banking services using the application for Android, released several months ago, while only 3,000 people used it.
The main reason for the reluctance to transfer data to banks is the fear of data leakage and their use for surveillance.
In addition to using a special application,which is already available in the App Store, you can open an account remotely, or you can get a loan in your own mobile applications of Home Credit, Sovcombank, Promsvyazbank, Post Bank and Tinkoff banks, and next year such a service will appear and banks VTB, Rosbank and Absolute.
Currently the opportunity to registercustomers of 192 Russian banks received the EBA, while in total there are more than 400 banks in the country. 11 thousand bank branches are equipped with equipment for registration in the EBS system, with their total number exceeding 20 thousand.
Another reason for the reluctance of Russians to take shapethrough the EBS system there is a lengthy procedure of data collection in the department over 30 minutes. In addition, face scans do not always correspond to the requirements of bank employees.
Currently, Rostelecom has developedBiometrics application for smartphones running iOS and allowing you to go through the procedure of remote account opening, similar to the standard Android application