Major Russian banks, including T-Bank and Delobank, have begun implementing automated fund allocation systems based on analysis of customers' financial behavior. The new services use artificial intelligence (AI) to predict regular payments and offer ready-made solutions, saving users time.
T-Bank has launched the "Allocation" service, which analyzes past transactions and generates personalized recommendations. For example, after receiving a salary, the system may suggest automatically allocating funds between accounts, loans, and savings.
Today, people spend a lot of time manually managing their finances — transferring salaries to different accounts, deposits, mortgages, and controlling payment dates themselves, trying not to forget about their financial goals. According to our data, 75% of clients plan their expenses at least a month in advance.
There will be an opportunity to change the payment amount at any time. The system automatically adapts to changes in the customer's payment profile. All operations are performed under the full control of the user, as noted by the bank.
Other banks, including Sber and Delobank, are also testing AI solutions to automate routine operations, improve credit ratings, and combat fraud.
Despite the automation, all operations require customer confirmation.
Any actions proposed or performed by AI must be verified and approved by the client. A multi-level verification system is needed — both from the user and through the bank's internal algorithms. This is the only way to ensure trust in the system and prevent potential risks.
The Central Bank of the Russian Federation will continue to support the development of artificial intelligence technologies in the financial sector. To reduce potential risks, the regulator is developing a code of ethical principles for the use of artificial intelligence in the financial market.
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