Fintech-digest: the robot of the Central Bank against financial pyramids, banks check the data of subscribers of cellular operators

Hi, Habr. Today we will tell about this:

• Robot Central Bank is engaged in the search for financial pyramids;
• Banks check the data of subscribers of cellular operators;
• In Russia, the number of mobile payments has increased fivefold;
• Russia ranked 9th among citizens of G20 countries in the financial literacy rating of the population;
• Fintech industry is constantly growing.

Artificial intelligence fights financial pyramids

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This year, the Central Bank announced the launch of a pilot project - using artificial intelligence to search for illegal financial organizations and projects on the Internet. The search behaves “like an ordinary person,” as if he is looking for how and where to invest money.

The robot works with both complex and primitive requests, interactive forms of data exchange. Thus, he manages to catch cheaters "live bait".

Further analysis of the activities of the identified companies is already engaged in the Central Bank . It is worth noting that the Internet search for companies that operate online, is conducted in parallel with research in the offline environment. In the process, and involved technology BigData.

Banks check their customers on the bases of subscribers of telecom operators

In July last year, the State Duma submitted a draft law on the creation of a service for checking information on subscribers of mobile operators by banks.

The explanatory note states:

The bill aims to ensure that financial institutions can determine the accuracy of the owner of the phone number. The Central Bank, banks and operators of payment systems will be able to use this system.

The system itself will not collect and store information about subscribers, it will work in the form of a gateway that redirects the request to the operator. Requests will be charged, but the scheme is unclear. In response, the bank will receive confirmation of compliance with the number, full name of the subscriber and the number of the document that carries out his identity.

Mobile payments are getting bigger

Alfa-Bank and Svyaznoy-Euroset mobile retailer conducted a joint study, the results of which show a fivefold increase in mobile payments per year. Of course, when making a mobile payment, you should be careful not to suffer from the actions of the attacker. But the advantages of mobile payments are much more than disadvantages.

Russia ranked 9th in financial literacy of the population

Another study conducted by the Ministry of Finance and the World Bank showed that Russia's population has a fairly high level of financial literacy. Among the countries of the "big twenty" of the Russian Federation ranked 9th.

The focus points of the study are the person’s financial knowledge and attitudes, as well as the practiced financial behavior (according to the definition of financial literacy used in the OECD). In the final ranking, each country participating in the survey could receive a maximum of 21 points, which included a maximum of 7 points for assessing financial knowledge, 9 for assessing behavior and 5 for evaluating attitudes.

Fintech startups thrive

The whole industry of financial technology is becoming increasingly popular. As a result, companies that work in this area received about $ 40 billion from investors last year, which is 120% more than 2017. There were 1,707 transactions closed (1,480 in 2017). Fintech grew most of all in Asia.