How to secure a bank?

The issue of information security, development, accounting and analytical systems, as well as the use of IT in banks are most relevant to the lending institutions. Sergey Tikhomirov, Head of Financial Institutions of CUSTIS, told Bank.ru, in what direction the IT sector banks, why banks are cautious when selecting software, and how the market will develop software in the future. - At what level is now in computerization of banks? - In my opinion, currently remain quite significant differences in the level of automation of credit institutions. And that's not the size of the bank, but rather, in the presence of his ambitious growth strategy in recent years. - Are there differences between large and small banks in the area of ??IT? What? - The big banks generally present more information and accounting systems from different manufacturers. In small banks accounting system, usually alone. Therefore, the complexity of integrating systems in large organizations are significantly higher. In larger banks, there are also unique systems that implement specific to their business processes. Small banks often prefer to use standard solutions. Different and the degree of customization of embedded systems: the big banks is significantly higher. - In which direction the IT sector banks, what trends can you name today? - They are quite a lot as a principal, I would single out the following: • The introduction of separate modules (components) instead of monolithic systems; • Complex systems approach to integrating disparate systems; • Development of front-office systems. - How would you describe the features of IT banks? - In my opinion, if we compare the banking industry as a whole with other economic sectors, its automation more standardized. - What is the emphasis on safety? Can you trust banks? - The present level of investment in IT security in the banking sector is quite high. Although our company is not directly engaged in projects on security, but even for us as a contractor, the requirements in this regard in recent times have grown. I think that in general the IT security of the Russian banking sector is at a high level. - What to look for when choosing a bank in terms of security? - Non-specialists, which are the majority of customers - individuals, difficult to properly assess the security of the bank. They should pay attention to the attitude of the staff of the bank to the clients and their work - in other words the total business culture. - Bank of unusual to find old data. How difficult is it to maintain the relevance of websites, and why this problem is still not fully resolved? - Personally, I see no problem here. Perhaps in some banks it is, but it is rather connected with the organization of work with information than with information technology. - Recently, Yandex has launched a service selection of banking products. Is it difficult to technically implement the transfer of data on banking products branch network? Why banks do not go forward, when they themselves favorably to information portals represent the actual data on them? - Technical difficulties in the transfer of such information, in my opinion, no. But we must understand that the level of automation of branches in the Russian banks are generally slightly lower than the parent organization. On the other hand, a significant number of banks, particularly retail and willingly cooperate with such services, which are the channels for them to attract new customers. A degree of participation of banks in providing information depends on the popularity of various information services. - After the crisis, banks have become more willing to turn to for help? - Certainly, interest in new IT projects in banks has increased from the passage of the crisis, but at the same time increased and caution when choosing software. Banks have to pay more attention to the automation of those parts of its activities, which are inherent in it and they can create new or to emphasize existing competitive advantages. Not surprisingly, the demand for individual customized solutions has been notably increasing. - In your opinion, how the market will develop software in the future? - I think we will see new players in the market of banking software, including Western ones. In addition, vendors will invest more in technology and architecture of their decisions, as these aspects are more and more influence on competitiveness.