65% of the 30 largest banks in the Russian Federation do not have internet banking services for private clients. 36% of them did not develop this service for corporations.
Banks offering to perform operations on the Net have basically no more than one service. The exceptions are UralSib, Industrial Construction Bank, Petrocommerce and Rosbank.
All existing Internet systems of financial structures provide legal entities with access to reference information, as well as provide an opportunity to send free format messages to the bank. In addition, you can get statements on the state of accounts and transactions with them. Not all systems allow making payment transactions - but 90% of them.
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UralSib banks
(Internet-service-bank for residents of Moscow, UralSib + for regions and E-commerce for making payments by bank cards) , Promsvyazbank
(PSB On-Line, and also PSB-Info , PSB-Retail for working with card accounts) , Bank Petrocommerce
(Private client of PCB and On-line Statement for servicing card accounts and) and VTB-24
(Teleinfo and Telebank) . Of the total number of banks that participated in the study, only 35% provide services to the public.
BusinessVision, a company that researched the issue, reports that many Russian banks believe that the weakness of existing IT systems is hindering the achievement of strategic goals. At the same time, in almost all cases, financial constraints stand in the way of automating their relations with corporate and private clients.
Researchers note that such areas of remote banking service as telephone banking, WAP and SMS banking are gradually developing. These forms of service do not compete with each other, but complement each other, providing customers with various forms of access to bank accounts,
RBC.Research Research reports.