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March 16, 2010

? technology of online top-up of deposit and card accounts, implemented by the CyberPlat® payment system for Project Financing Bank means a change of the retail banking business model

New capabilities represented by the leading payment system will allow a significant addition to the depository portfolios and an increase of potential for active banking transactions focused on the retail segment.

Traditionally banks used capabilities of payment systems only for loan repayment. A solution implemented by CyberPlat® for Project Financing Bank (BPF) offers new opportunities. Even banks with a small number of branches will be able to compete with banks-“giants” having thousands and tens of thousands branches on equal terms. The online top-up service will allow banks, that implemented this service, to sharply increase the client base due to undoubted user benefits - – convenient “next corner” location of the payment acceptance outlets and a one second speed of a transaction performance.

For example, clients of the Project Financing Bank will be able to top up their deposit and card accounts in more than 35 thousand payment acceptance outlets of the CyberPlat® system located in Moscow and Moscow Region where the branches of Project Financing Bank operate. In fact, the entire CyberPlat® payment acceptance network consisting of more than 400,000 payments acceptance outlets worldwide will be able to ensure the top-up of client accounts of any bank connected to the payment system. There is no bank not only in Russia but in the whole world that has such a client servicing infrastructure.

This is what allows us to claim that there comes a new banking era when, according to the biblical expression, “the last shall be first”. Indeed, when a client can use modern remote-acting client-bank technologies, or spend money from the bank account, or has an opportunity to top up this account online at any place of the country and of the world, then the benefits of the banks-“giants” with a great number of branches are set to zero, because payment acceptance outlets of the CyberPlat system are more accessible than even branches of the biggest bank, and the speed of servicing is multiply higher.

It is evident that the advantages of the technology on instant replenishment of individual’s accounts will be in high demand by banks, especially those focused on the retail market. CyberPlat® experts anticipate a rapid growth of the number of banks using this service, especially for the purpose of increasing the balance on deposit and card accounts that are already open.

CyberPlat® payment system actively develops modern payment technologies including those in the interests of its dealers. Online payments for replenishment of individuals’ bank accounts are a serious turnover growth resource for the partners to the CyberPlat® payment system.

Implementation of the project on instant top-up of bank accounts is the result of our strategy focused on forming new standards in the field of mobile payments. This solution not only provides a convenience for clients but also creates a great growth potential for banks. We are certain that the other category of our clients – dealers – will also successfully use these benefits for the purpose of increasing the profitability of their own business,” – noted Andrey Gribov, President and CEO, CyberPlat OJSC.

CYBERPLAT OJSC is the leading Russian Internet based company offering its services in the field of online payment processing and secured online document interchange. The company’s product CyberPlat®, the versatile multibanking integrated internet-payment system, is the leader in the market by the scale of the payment acceptance network. Currently, the CyberPlat® payment acceptance network consists of more than 400,000 outlets around the world accepting cash payments for the benefit of more than 600 leading telecommunication service providers, commercial television and numerous service providers. The total turnover of the system comprised about 160 billion rubles in 2008. BDO Unicon is the official auditor of CyberPlat®. Additional information about the company is available at:

Project Financing Bank – is a joint-stock bank in Moscow falling under the group of leading Russian banks by the size of assets, equity capital, attracted funds, and granted loans. The bank was established in 1991 and proved itself to be a reliable credit institution aiming at the full consumer satisfaction ever since. The bank ranks as “A-level” in the individual credit rating by the National Rating Agency. Additional information about the bank is available at

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