Mikhail Kravets

Before this project, VTB clients could only check and update their personal data in person at a bank branch. Remote modifications were impossible due to high fraud risks, internal security concerns, and the lack of secure digital interfaces for customer interactions. However, the growth of digital services and the rise of fraud schemes involving identity theft required a secure and reliable solution for remote data management. The primary goal of the project was to create a system that would allow clients to verify and update their personal data remotely while minimizing the risk of unauthorized access and manipulation by fraudsters. To achieve this, the bank integrated its systems with the national digital profile via state services such as ESIA and SMEV. The use of National ID ensures secure identity verification through official government sources, preventing fraudsters from making unauthorized changes. Now, any update to personal data requires additional authentication through state services, significantly enhancing security. The project not only improved client access to their personal data but also significantly reduced fraud risks. When applying for a loan, mortgage, account, or bank card, the system automatically verifies client data against government records. Additionally, built-in regulatory compliance checks and interdepartmental data exchange detect suspicious activity and prevent fraudulent data modifications. The key innovation of this project is the ability to securely update personal data remotely without compromising security. By leveraging National ID, the bank ensures that it always works with accurate and verified client information, protecting customers from fraud and financial crimes. This initiative has strengthened cybersecurity and set a new standard for secure digital identity management in banking.