The new enterprise will be engaged in the development, development and replication of identification technologies to increase the level of digitalization in various sectors of the economy. The parties will unite their efforts and expertise in this direction to accelerate the transfer of various services to electronic form. Sberbank’s press service declined to comment in more detail.
“The goal of digitalization of the economy, set by the President of the Russian Federation, is taking shape. I believe that the purpose of creating such a union is to intensify the work of the unified biometric system (UBS) by ensuring the security of data transmission. In the future, these will probably be projects for the analysis of collected data, efficient storage and placement. is the largest bank in the country, Rostelecom is a provider. Their merger will create the basis for the accelerated penetration of information bases. According to the plans of the authorities in terms of biometrics, a figure of 70 million profiles was called within two years. In my opinion, the scenario is too optimistic, “the analyst notes “Freedom Finance” Anton Sklovets.
“Since this is a union of Sberbank and Rostelecom, the main shareholder of which is the Russian government, this will create the most significant player in the remote identification market. In general, the biometrics market can be estimated at up to $ 10 billion,” Anton Sklovets emphasizes.
“According to the Central Bank, by the end of 2020, less than 40% of bank branches collect data in the Unified Biometric System. The geographical factor plays a big role, because of which not all branches of Russian banks are equipped with the necessary systems for collecting and storing biometric data. Sberbank branches will not differ. only a wide distribution, but also technical equipment. Cooperation between the bank and Rostelecom will improve the quality of data collection for the EBS.
Therefore, this is a quite expected solution that allows to popularize this service, since the availability of financial services for people from remote regions where the choice of banks is limited or not at all, as well as for people with limited mobility, says Nikita Pinchuk, technology director at Infosecurity a Softline company.
“This is not so much about the collection of biometric samples, but about the total popularization of the provision of services using biometric identification. Given Sberbank’s global presence and ecosystem, we can safely assume an increase in the volume of services using biometric user identification. Another advantage of biometrics for citizens is the high identification accuracy user, which will reduce the risk of fraudulent transactions “, – said Nikita Pinchuk.
“This joint venture will help develop methods of user authentication, as well as introduce complex cryptographic algorithms to improve data security. This is not the first project of this kind for Rostelecom, the operator is already providing a link between the biometric identifier and the Unified Identification and Authentication System (ESIA) of state services, for synchronizing personal The origins of the company are the largest players in the information security market, with high technical expertise and rich experience, so the joint venture has every chance of becoming a key player in the identification and authentication market, “says Nikita Pinchuk.
“Economists have a so-called” production function “, which at the input is labor, capital, scientific potential, and at the output – the volume of production. Moreover, for some types of such functions, if one variable is not large enough, then it is useless to increase others – this is not Apparently, in the digital economy, the input is technology, data and computing power. And if there is no data, then it is useless to develop a theory or buy a supercomputer – there is nothing to apply them. Data now has Sber, whose hardworking managers have collected biometrics of millions of Russians in 14 thousand branches. Rostelecom has identification technologies. Perhaps Sber also has them, but, most likely, Rostelecom’s experience in implementing the solution in organizations is much longer and wider. In other words, Rostelecom “apparently has a clear perspective – where to introduce biometrics. Sberbank, of course, also sees areas of application, but, frankly, I personally, having passed biometrics and priests Having identified myself at an ATM, I did not succeed, and no one tried to force me to succeed. Rostelecom is also clearly committed to becoming a leading player in the cybersecurity industry. Sber did not seem to show such activity. On the other hand, no one but Sberbank managed to collect data. In order for demanded services to appear at the output of the production function, we need, on the one hand, an understanding of the demand that Rostelecom has, and on the other hand, the data that Sber has, “said Finam analyst Leonid Delitsyn.
“A number of theorists believe that biometrics is the most visible component of the third stage of artificial intelligence implementation, when computers begin not only to process data of views and clicks, receipts and databases, but also collect data and manage their collection. Moscow, which was supposed to recognize visitors (who passed biometrics) and serve them without plastic cards, smartphones and cash. I can’t guarantee that it actually started working, but in China, it seems, the same has been working for three years. retail and transport are obvious – we will finally be able to ride “hares” (in unmanned electric buses, of course) and pay for the purchase of “Doshirak” with the taste of chicken, just staring and licking our lips. Sberbank will credit us with such a purchase, having analyzed the data of the so-called ” behavioral biometrics “, which will be collected and transferred to the cloud by” smart “video surveillance. results, data should be “big”. Simply put, data should provide learning from examples for every conceivable occasion. Otherwise, the algorithms will have to compose the missing data, and someone else will have to check whether they came out plausibly. If the data is collected, then there is no need to check them – they are verified by life, “emphasizes Leonid Delitsyn.
“The primary task of the joint venture, most likely, is the development of the e-government. Technologies are ready, but biometric data has not been collected. Perhaps, for the forward-thinking strategists of Sberbank, the goal of collecting biometrics was in fact to enter the market of services for the e-government. Apparently, the company intends to become the backbone player of this market, and the rest will implement and sell its solutions, “says Leonid Delitsyn.
“The global biometrics market is estimated at $ 36.6 billion, predicting growth to $ 68.6 billion by 2025. At the same time, there are no large publicly traded companies specializing only in biometrics, specialized players are quite small. J’Son & Partners estimates the biometrics market at 1%, which means that we are talking about 28 billion rubles “, – assesses the market Leonid Delitsyn.
“The very idea of developing digital identification technologies during a pandemic began to actively develop. Krok already has many years of experience in solving problems using biometrics and video analytics tools. For example, in 2020, the Moscow City Court tested video analytics for a remote court session: using human neural networks they are identified in the frame during an online meeting, and when a participant changes, an indicator appears on the judge’s screen, “says Viktor Smirnov, head of the Digital Processes Department of the Krok IT company.
“Digital identification technologies are certainly applicable for financial organizations – they can use, in addition to two-factor identification of users, biometrics – identification by voice, face, fingerprint, – which significantly increases the level of reliability. If there is such data about the user, it is possible to provide him remotely with a much larger list services, as well as to simplify the very process of providing services both for the financial organization and for the user “, – emphasizes Victor Smirnov.
“However, the scope of biometrics is not limited to the financial industry. For example, retail may well realize a higher level of customer confidence. By the way, there is one large chain store in Moscow, where a visitor, having previously registered in the system, simply comes and picks up products. identifies it, the selected goods and automatically debits money from the account. Of course, such technologies need a very high-quality setting in order to exclude the possibility of error “, – says Victor Smirnov.
Recall that the EBS, which is operated by Rostelecom, was launched in June 2018. Russians were able to open accounts, deposits and receive loans using identification through the EBS and the Unified Identification and Authentication System (ESIA). The presence of data simultaneously in two systems replaces a passport for citizens. Initially, the EBS was aimed at collecting information and using it to identify users of financial services. And it was possible to submit data to the EBS only in bank branches. On January 1, 2021, a law entered into force expanding the scope of the EBS, as well as allowing the submission of biometric data to the MFC. Now, not only banks will be able to collect information, but also the MFC and a special application that is being developed by the EBS registry operator Rostelecom (see ComNews news of March 10, 2021). In two years, the authorities expect to increase the number of entries in the EBS to 70 million from the current 164 thousand, insisting on the convenience of the system for citizens. The figure of 70 million is equal to the number of confirmed profiles on the public services portal. The scope of the EBS will also expand. On the basis of biometrics, Russians will be able to pay “by the face”, go to stadiums during mass events, sign contracts with mobile operators, receive notary services, and take intermediate exams at universities remotely.
However, exactly half of Russians do not support the creation of the EBS. Such data at the end of last year were provided by experts from the NAFI analytical center. Only 19% of citizens have already posted their data in it. A third of those surveyed could not explain their lack of confidence in the system (see ComNews, December 28, 2020).