How have we brought AI-powered recognition to the web and revolutionized web banking? Markswebb appreciated

VTB Online: Payment in one click instead of fifty

Markswebb Research showed that VTB provides a high-quality customer experience in the task of monitoring and paying bills and debts – only in its web version can you transfer payments from other banks with automatic creation of invoices for payment. This and other cool features of the VTB web application became available thanks to the use of our systems based on artificial intelligence.

Let's simulate a situation: you need to pay for something, but there is no QR code on the payment document. But there is this –

Recipient: Ivanov Ivan Ivanovich

Recipient's account: 401781000000000000000

BIC: 000000000

Bank name: VTB Bank (PJSC)

Correspondent account: 301010000000000000000

INN: 0000000000

Checkpoint: 000000000

Doesn't it dazzle your eyes? Exactly?

To make a bank payment using the details “the old-fashioned way” (that is, manually), you will need to be seriously confused. This is not surprising if you count the number of small numbers that need to be accurately entered into different fields. Consider for yourself: the TIN of a private person consists of 12 digits, of a legal entity – of 10. The checkpoint and BIC each consist of 9 digits. The hardest thing is the current bank account number: it stretches over 20 digits and can contain 5 or more zeros in a row. In total, the user will need to manually enter and then check from 29 to 50 digits, or even more. 50 numbers, Karl!

In case of an error, the payment will either simply not go through (and then you will need to enter everything again), or it will go through – but not where you wanted…

Wake up, Neo! It was a nightmare. Today, it is unlikely that VTB clients enter their TIN, KPP, BIC and current account number manually. Artificial intelligence can handle this better and much faster than humans. It finds and recognizes payment details in an image in 1 second. The recipient of the payment is determined by the INN and KPP, and the banking information is determined by the BIC and account number. The details are verified to be filled in correctly and you can pay.

The client can take a photo of the details or select an image from the gallery (this can also be a screenshot). Then Smart Engines technology will do everything for you – right in your browser!

And in VTB Online we have implemented the ability to recognize bank cards and, of course, QR codes Aztec, DataMatrix and other barcodes. Use our AI!

Gazprombank: How to pay without Apple Pay

Gazprombank’s online bank entered the top three for the first time, rising by 7 and 8 positions in the Digital office ratings over the year and Daily Banking respectively. Markswebb experts noted that over the past year, the quality of the Gazprombank web version has “greatly increased” – in particular, thanks to the integration of Smart Engines technologies, transfers by phone number, card and details have become more convenient. In addition, from the beginning of 2024, a QR code scanner became available to users of online banking.

It is hardly worth reminding that Today, QR code recognition is one of the key and basic elements of modern banking web applications. Not only the convenience of paying for goods and services, but also payments for housing and utility bills, budget and tax documents depends on the quality of this technology.

To send a payment or pay for a service, just open a web page or, in the case of a bank, a web application and scan the available QR code using your smartphone camera or select a photo from the gallery. Our artificial intelligence will recognize and enter all the necessary data for the client. The entire process is performed directly in the browser, and images are not transferred anywhere from the device. Smart Engines algorithms are resistant to lighting changes and poor shooting angles. They provide high quality reading even for damaged QR codes, including for users of budget smartphone models.

And it looks like this:

In addition, the functionality of recognizing phone numbers, bank cards, and bank details will soon become available to Gazprombank clients. Stay tuned for updates!

Why WASM is the head of everything

Examples of successful integration into the web interface of our systems based on artificial intelligence are not limited to these cases – let us remind you that Smart Engines WASM technologies for document recognition are used by the leaders of the Markswebb rating. And not only them. Our technologies provide ease of daily transactions in banking applications for tens of millions of users.

Use of recognition technologies Smart Engines allows banks to develop their PWA applications and improve the level of customer service in Internet banks. And, as a result, to occupy high positions in Markswebb ratings and be industry leaders. The Mobile Web Banking Rank 2024 confirmed this.

Congratulations to everyone!