Automatisation mu mari, cyane cyane murwego rwamabanki, isanzwe itangirana ninshuro nyinshi hamwe nibikorwa. Muri banki, ibikorwa bikunze kugaragara harimo gutunganya ibicuruzwa no kuguriza.

Ibi bice nibyo byibanze byibanze kubikorwa byokwikora, bikubiyemo ibintu nko gutunganya porogaramu, gusuzuma ingaruka, hamwe no kuva mubisobanuro byintoki byerekana impapuro ninyandiko zigenzurwa ryikora hamwe nisuzuma rishingiye ku cyitegererezo.

Inkunga ya Mezzanine ihabanye cyane nuburyo bukoreshwa cyane. Irangwa na kamere yihariye, yakozwe nubudozi, gutera inkunga mezzanine bifite umwanya munini mubijyanye nubukungu: byerekana igisubizo cyinkunga ifite urwego rwinshi rwibyago, rushyizwe mubikorwa hagati yinguzanyo zisanzwe zishoramari nishoramari ryimigabane.

Inkunga ya Mezzanine ikubiyemo gutanga inkunga kurwego rwabanyamigabane (aribwo buryo bwo kugoboka imiterere) cyangwa binyuze muburyo bwo kugura imigabane hamwe nibikoresho byo kugaruka nko gushyira amahitamo (kugoboka amasezerano).

Urebye imiterere imwe kandi yihariye cyane ya mezzanine, ibikorwa byikora muri kano karere bitanga ikibazo gikomeye. Ikibazo gisanzwe cyaba aricyo gikurikira: nigute banki, cyane cyane izingenzi, zishobora kwegera umurimo wo kuzamura inyungu yibikorwa byabo bya mezzanine binyuze mumashanyarazi no guhindura imibare?

Nka nzobere ifite uburambe bukomeye mubijyanye n’uburinganire bw’abikorera ku giti cyabo, imicungire y’ibyago, n’imari, mfite intego yo gutanga ubushakashatsi bwimbitse ku ihinduka rya digitale mu gutanga inguzanyo ya mezzanine ishaka gukemura ibibazo no gutanga inkuru zitsinzi mugukoresha iterambere ryikoranabuhanga mukarere. ya banki isanzwe ishingiye kuri bespoke, gukora amasezerano kugiti cye.

Imiterere gakondo ya Mezzanine Gutiza

Inkunga ya Mezzanine ni urwego rwihariye kandi rufite urwego runini rwimari. Nkuko byavuzwe mbere, ifata intera iri hagati yinguzanyo zisanzwe zishoramari nishoramari ryinguzanyo kandi irangwa nurwego rwo hejuru rwibyago.

Mu buryo budasanzwe, buri masezerano ya mezzanine yakozwe neza, kandi yakozwe kugirango ahuze ibikenewe hamwe nibibazo bya buri mukiriya, nkikoti ryabigenewe.

Inzitizi mu Gutiza Gakondo Mezzanine

Imiterere yinkunga ya mezzanine isanzwe izana ibibazo bikomeye. Uburyo gakondo bushingira cyane cyane kubikorwa byintoki no gukora amasezerano kugiti cye. Ubu buryo busaba gusobanukirwa byimbitse ibintu byihariye bya buri masezerano, ubuhanga bukunze kuba buke kandi buhenze .

Muri banki nini zifite ibice byinguzanyo byamasosiyete, abakiriya nabashinzwe inguzanyo bazi neza ibicuruzwa bisanzwe byinguzanyo. Nyamara, guhura kwabo na mezzanine ni gake, ibyo bikaba bigabanya ubuhanga bwabo mugurisha neza cyangwa gukurura ayo masezerano.

Gushiraho itsinda ryihariye ryabayobozi bashinzwe abakiriya gusa kubicuruzwa bya mezzanine ntabwo bihenze gusa, ariko kandi byongera ibiciro ugereranije nuburyo busanzwe bwo gutanga inguzanyo.

Mugihe bishoboka guhuza ibicuruzwa byishoramari bigoye mumatsinda kugirango bigabanye ibiciro, digitalisation muriki kibazo igaragara nkuburyo bwubukungu kandi bunoze.

Gukoresha Digital nkigisubizo

Guhindura muburyo bwa digitale mugutanga mezzanine byibanda cyane cyane kubiranga amasezerano no gukurura. Inzobere mu by'inguzanyo n’abakiriya benshi muri banki zikoresha sisitemu yandika imishyikirano, ibitekerezo byubucuruzi, hamwe nibipimo byambere.

Kwinjiza ibipimo bya mezzanine muri sisitemu zihari bishobora guhita byerekana ibicuruzwa bya mezzanine.

Iyo igicuruzwa cyujuje ibi bipimo, birashobora guhita byoherezwa mugice cya mezzanine kugirango gikorwe neza. Iterambere rishobora kuba ririmo moderi ya AI yatojwe gutandukanya inguzanyo zisanzwe zamasosiyete hamwe na mezzanine amasezerano ashingiye kubintu byinshi byinjira byinjira.

Igipimo cyiri hinduka ni ingirakamaro: mugihe banki nkuru ishobora gukora ibihumbi byinguzanyo zinguzanyo zamasosiyete buri mwaka, amasezerano yo gutera inkunga mezzanine ni gake cyane, akenshi abarwa mumibare imwe. Gushyira mubikorwa sisitemu yo kumenya amasezerano ya mezzanine birashobora gutuma habaho kwiyongera inshuro icumi mubunini bwabo.

Gutunganya inzira: Automation na Standardisation

Guhindura muburyo bwa digitale birashobora koroshya imikorere mugukoresha no gutunganya inzira. Aho kwibira mu buryo bwuzuye bwo gutangiza no guteza imbere urubuga, ushobora kubanza kwibanda ku buhanga bworoshye nka RPA, butangiza ikusanyamakuru, kugenzura, kubara, no gutanga raporo. Ibi bigabanya imirimo yintoki namakosa kandi bitezimbere ibaruramari no kubahiriza.

Ibikoresho bisanzwe bya mezzanine ninyandiko nkimpapuro zigihembwe namasezerano yinguzanyo nabyo birashobora gutegurwa byihuse kuri buri masezerano nta gutakaza ubuziranenge. Ibi byihutisha gutunganya ninyandiko, bikarushaho kunoza gukorera mu mucyo no guhuzagurika.

Ibikoresho bya sisitemu nibikoresho nka data base na dashboards bifasha gukurikirana no gucunga ibicuruzwa byongerewe kandi bitandukanye mugutegura amakuru. Ibi bifasha gukurikirana imiterere yamasezerano niterambere, kumenya no gukemura ibibazo.

Muri rusange, automatisation hamwe nibisanzwe byoroshya gukora, kugabanya guterana amagambo nibiciro. Muguhuza inzira iherezo-iherezo, ihinduka rya digitale rituma mezzanine itanga inguzanyo neza, nini, kandi yunguka.

Uruhare rwibikoresho byo gutanga raporo

Mezzanine portfolio raporo ni ikibazo nta makuru asanzwe. Aya masezerano atandukanye abura gukorera mu mucyo, bigatuma bigora guhora dusuzuma ibyingenzi byagaruka hamwe ningaruka ziterwa ningaruka.

Ibikoresho byifashishwa mu gusesengura amakuru no kwerekana amakuru mu bucuruzi birashobora gufasha mu guhuza amakuru yacitsemo ibice kugira ngo agaragare neza: ituma imbaho zikorana zerekana amashusho y’imikorere yagabanijwe n’uguriza, inganda, geografiya, n’ibindi bipimo - ibi biha imbaraga zo gukurikirana byose.

Qlik itanga kandi isesengura ryambere nko kwerekana imiterere, gusesengura ibintu, no kugerageza ibibazo. Abatanga inguzanyo barashobora kwigana imikorere yigihe kizaza mubitekerezo bitandukanye - ibi bitekerezo bishingiye ku makuru bifasha guhuza ingamba no kugabanya ingaruka.

Qlik Sense hamwe nisesengura ryamakuru muriki kibazo nibyiza gutanga umucyo nubushishozi bukenewe mugucunga neza mezzanine portfolios. Mugushoboza gutanga raporo yuzuye hamwe nisesengura risesuye kuri aya masezerano atoroshye, ihinduka rya digitale riha abatanga inguzanyo kugaragara basabwa kugirango bagarure byinshi kandi bagabanye ingaruka. Nimbaraga zikomeye zo guhitamo ibisubizo mugutiza mezzanine.

Inyigo

Muri iki gice, tuzasesengura ingero zo gutangiza inguzanyo. Ikigaragara ni uko hari ibibazo bigaragara cyane byo guhuza ibikorwa bya mezzanine birenze akazi kacu kuri Sberbank.

Ariko, nzerekana ingero zimwe zerekana uburyo inzira zishobora gukoreshwa mubucuruzi bwa mezzanine, bisa nibyo twagezeho i Sberbank hagati ya 2018 na 2021, hamwe nibyo nzabishyira ahagaragara nyuma yinyandiko.

Inyigo ya 1: Banki nkuru y’ibihugu by’i Burayi Yashyize mu bikorwa Ihuriro Ritanga Inguzanyo

Amavu n'amavuko : Banki nini yo mu Burayi yashatse guhindura ubucuruzi bwayo bwo kuguriza imishinga mito n'iciriritse mu marushanwa yaturutse ku bahanganye na fintech bahanganye. Ryari rigamije gukora urusobe rwibinyabuzima hamwe ningendo zabakiriya. Intambwe yambere kwari ugusubiramo inguzanyo zayo mubucuruzi hamwe na porogaramu zoroheje, kwinjira kuri terefone, hamwe no kwemeza-igihe.

Uburyo : Banki yafatanije na Deloitte kugirango basobanure ibyifuzo byabakiriya n’ikoranabuhanga kuri sisitemu nshya ishingiye ku bicu bishingiye ku bicu. Ihuriro rya OpenDATA ya Deloitte kuri AWS ryashoboje iterambere ryoroshye, rinini, ryiterambere. Ibi byatumye hakoreshwa uburyo bwa Agile, butanga verisiyo yambere mubyumweru 13 gusa.

Sisitemu ikoresha isesengura ryambere ririmo AI na ML kugirango ihuze kandi isesengure amakuru aturuka muri sisitemu y'imbere, ububikoshingiro bwo hanze, imbuga nkoranyambaga, n'andi masoko kugirango habeho imyirondoro yuzuye, igezweho.

Irakoresha amategeko yagenwe mbere yo kuyungurura no gutondekanya ibikwiranye na mezzanine. RPA, guhagarika, hamwe namasezerano yubwenge atangiza imirimo yintoki nkinyandiko, kubara, na raporo.

Qlik Sense ituma amakuru yimikorere yerekana amashusho, kwerekana imiterere, ibintu, hamwe no kugerageza guhangayikishwa no kunoza ingamba za mezzanine no gucunga ibyago.

Kubera iyo mpamvu, igihe cyo gusaba inguzanyo cyaragabanutse kuva ku minsi 20 kigera ku minota 15, igipimo cyemewe cyavuye kuri 50% kigera kuri 90%, naho amafaranga yo gutunganya yagabanutseho 70%. Kugenda neza, ubuziranenge, no guhinduka nabyo byateye imbere, mugihe gukorera mu mucyo no guhora bitangwa na mezzanine. Isesengura n'ibigereranyo byateje imbere ingamba n'ibyemezo.

Inyigo ya 2: Isosiyete itanga inguzanyo yigenga ikoresha GoDocs kugirango igezweho yo kuguriza

Amavu n'amavuko : Uwatanze inguzanyo ni isosiyete yigenga itanga inguzanyo kabuhariwe mu gutanga inguzanyo z'ikiraro ku bashoramari batimukanwa. uwatanze inguzanyo yashatse kwitandukanya nabandi batanga inguzanyo atanga inzira yihuse, yoroshye, kandi ikorera mu mucyo.

Uburyo : Isosiyete yafatanije na GoDocs, umuyobozi wambere utanga porogaramu itanga inguzanyo zubucuruzi, kugirango ashyire mubikorwa uburyo bwo gutanga inguzanyo ya digitale itangiza inguzanyo zose hamwe nogusoza.

Ihuriro rikoresha ibicu bibara, ubwenge bwubukorikori, hamwe nikoranabuhanga rya blocain kugirango byorohereze akazi, kugabanya amakosa, no kongera umutekano.

Ikindi kandi, urubuga rwo gutanga inguzanyo rwa Digital rwatumye rushobora kugabanya igihe cyo gutanga ibyangombwa byinguzanyo kuva amasaha niminota, gukuraho amakuru yintoki namakosa yabantu, gutanga igihe nyacyo cyo kugaragara no gufatanya hagati yimpande zose zagize uruhare mubikorwa byinguzanyo, kubika neza no kugabana inguzanyo Inyandiko ku gitabo cyagabanijwe, hanyuma amaherezo uhuze na serivisi zindi-biro nkibiro byinguzanyo, amasosiyete yitirirwa, hamwe nabakozi ba escrow.

Kubera iyo mpamvu, urubuga rw’inguzanyo rwa sosiyete rwamufashije kongera umubare w’inguzanyo n’amafaranga yinjiza 300% mu mwaka umwe, kuzamura abakiriya bayo no kugumana, kugabanya ibiciro by’imikorere n’ingaruka, ndetse no kugira amahirwe yo guhangana mu gutanga inguzanyo ku giti cyabo. isoko.

Umwanzuro

Guhindura muburyo bwa digitale bitanga amahirwe akomeye kubatanga mezzanine guhanga no guhanga agaciro. Ikoranabuhanga ryateye imbere ririmo automatike, AI, hamwe nisesengura ryamakuru birashobora gukemura ibibazo byububabare bigezweho biva mu masoko, gukora neza, no gucunga portfolio.

Inyungu zishobora kuba nyinshi - kunoza ubunararibonye bwabakiriya, umusaruro wumukozi, gucunga ibyago, no kwihutisha ingamba. Inyungu nyamukuru ni ukongera umubare wibikorwa, bityo mubyinjira.

Nkurikije ubunararibonye bwanjye nkora muri Sberbank kuva 2018 kugeza 2021, biragaragara ko gushyira mu bikorwa izo mpinduka mubucuruzi bwa mezzanine bishobora kuzamura cyane ubucuruzi ndetse numubare wamasezerano. Ku ikubitiro, Sberbank yacungaga amasezerano ya mezzanine 10 kumwaka.

Icyakora, mu 2022, nyuma y’ifatwa ry’ingamba zifatika zo gukoresha mudasobwa, ubushobozi bwa banki bwageze ku masezerano arenga 100 buri mwaka.

Iri terambere ridasanzwe ryerekana uruhare runini rwo guhanga udushya mu kuzamura igipimo n’imikorere myiza mu gutanga inguzanyo ya mezzanine.