One of the strategic goals of YAR Bank set for 2011, was the launch of retail services package (in particular, acceptance and processing of credit cards applications, decision-making on loans issue within a few minutes, credit cards courier delivery to clients, etc.) provided exclusively through internet. Development of innovational solution for ‘advanced’ users required design of a new IT architecture from scratch. In the process of the project that was fulfilled in 2013, Neoflex covered the tasks related to implementation of key component of the solution – building the credit conveyer for retail money lending. At the first stage Neoflex offered consulting services, designed IT landscape of future retail bank together with the credit institution. At the second stage, Neoflex specialists introduced Neoflex FrontOffice system in the part of customer lending module; FICO Origination Manager Decision Module (OM DM), a system of decision-making; performed integration of all systems of the bank on the basis of IBM software. The use of industrial platforms allowed creating up-to-date efficient solution that meets high demands of foreign investors of the bank set for the quality and innovations.

Olga Maslova, Deputy Chairman of the Board at YAR Bank, Head of the Online Banking Development Systems Project: ‘At choosing provider for the main system of the bank, credit conveyer, we considered the experience in implementing similar solutions and professionalism of the expert team of vendors. Neoflex company met deadlines as promised, and showed top level of work. This project allowed YAR Bank to launch new retail business with main accent on technological component and high quality of credit services’.

Anton Sparinapti, Business Development Director at Neoflex: ‘For Neoflex, fulfillment of such complicated project was a new challenge in the sphere of constructing credit conveyers. Thanks to high professionalism and well-coordinated actions of the bank’s and vendor’s teams, we managed to complete the project so fast’.

About the bank:

YAR Bank (earlier CB Obibank) is Russian-Japanese bank operating in the market since 1994.

For the years of successful operation, the credit institution managed to reach stable position in the Russian financial market. In 2011, when Japanese financial holding SBI Holdings, Inc. specializing in online financial services, joined YAR Bank, the bank experienced new impulse in development and entered the market of online retail services.

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