Moscow Exchange Financial Growth Presentation
☑
MOEX Marketplace: Finuslugi* online platform
инуслуги https://finuslugi.ru/
Deposits
Insurance
Loans
Investment products
Trial launch (Sep'20)
Added in Nov'20
Unsecured loans
OFZ-N
Commercial launch (Oct'20)
✓ 6 banks connected via API
(Dec'20)
16 insurance co's (Dec'20)
Other types
Other types
OSAGO **
Long-term deposits
Short-term deposits
KASKO ***
Other types
Customer journey stages & corresponding solutions provided by MOEX
(1) Websites of financial services aggregators work as rebroadcasting interfaces. Marketplace integration with aggregators' websites.
(2) Client registration with logging via gosuslugi.ru (online state services portal with 100+mln users). Marketplace login interface.
(3) One-time physical identification offline with a courier, then KYC stage. Pending legislation on biometric identification.
(4) Deposit contract request and confirmation with e-signatures. Marketplace personal account interface.
(5) Money transfer to the deposit account using NSD's and CBR's frameworks (FPS). NSD's payment system.
(6) Deposit opening confirmation with a notice of FTR record stored at NSD and covered by the DIA. NSD's FTR functionality.
(7) A client uses the marketplace as an internet bank to manage deposits (additions, withdrawals, etc.) in real-time.
* Russian name "инуслуги" translates as Financial services
** Compulsory motor insurance act
MOSCOW *** Comprehensive coverage insurance act
EXCHANGE
Abbreviations:
-
FTR Financial Transactions Registrar at NSD
FPS
CBR's Faster Payments System
DIA State Deposit Insurance Agency 29View entire presentation