Web/mobile personal account system for financial assets management

A1 Platform

Easily and quickly draws up financial products both in the offices of affiliate networks and directly to their customers online - without visiting offices, managers and signing papers.

User story

When in 2016 I decided to draw up a portfolio of 10 sheets, I had to sign approximately 70 sheets of paper. And this pack was about half a centimeter high. Of course, I did this in the office, with all the squats like waiting for the manager, signing a paper contract and photocopying the passport. The whole procedure took about 2 hours and in total was stretched for 3 days. For comparison, when I made the purchase of mutual funds a month ago, I did it through the A1 platform’s mobile application in 10 minutes while traveling on the metro.

СЕО A1 Platform

Alexey Shishkin

The system solves key problems
in sales support:

Long cycle for the deal
(up to 2 business days)
Low sales-manager’s involvement
A lot of paperwork in the office
(1-2 hours)
Paper workflow between an agent and a company

It leads
to negative
consequences:

Low conversion
The high cost of sales
Complex and exhausting calculation of the deal’s value

A1 Platform structure

The platform consists of personal accounts for managers
and for clients, a mobile application, a website, and CRM. All systems are integrated with your company's IT system together as well as separately.

The integration system significantly simplifies and speeds up drawing up of deals, moreover, the result will be instantly reflected in the interface of each platform module.

Capabilities of agent personal account

All functionality is available both on computers and mobile devices - it means that a manager can work with a tablet in the operational office.

Customer data are entered through passport scanning, manually of be usage or external services. The system implies verification of data through state information systems
Selection of products on the showcase by parameters or with a step-by-step questionnaire, with assignment of a risk profile
Draw up an application for purchase
A detailed description of the product, its statistics and tips - the reasons for the purchase
Sign an application by electronic signature via SMS
Draw up documents for payment
Reception of applications from clients
Connect to a sales consultant from your company online
View a complete or limited dataset for an individual client
View sales statistics from different sides: manager / place of sale / agent

Interface

List of products

Agent personal account shows offers as a comfortable list. Agent can pick up a convenient product for a client according to different criteria. It makes a selection of offers easy and transparent.

Dynamics

Agent personal account can build charts on product dynamics on different criteria. This is a visual tool for analysis and evaluation of products in terms of preservation and increase of customers’ investments.

Customer search

Agent personal account has a convenient search of clients by name, date of birth, passport data and other criteria. It allows to quickly find information about the client, a contract and client’s activity.

Portfolio

Agent personal cabinet fixates which financial products a client bought and how active in operations the client is. With management tools the agent can help a client to do any actions with assets.

Convenient registration of the deal by the manager

The procedure of sales through the manager’s personal account is simple and quick

The manager scans the client passport, uploads the scan to the system
The system automatically recognizes passport data, fills in personal data of the client and checks through state information systems
The manager selects products on the showcase, offers them to the client
The manager draws up a purchase request
The client can sign it by electronic signature via SMS or on a paper application
Automatically, the client gets access to the personal account (in web and mobile applications)
The client pays for the application at the box office

Capabilities of client personal account

Client can register by uploading a passport scan, through public service portals, or simply entering his passport data. The platform then verifies the correctness of user data through external resources and registers the client. As a backup option, registration via courier is available.

After the registration a client is capable of:

Pick up any product on the showcase
Explore its description and statistics in detail
Make an application for registration of the PIA or STM
Sign it with an electronic signature via SMS
Pay in a convenient way
Keep track of the portfolio’s dynamics
Apply for the purchase share of stocks
All this functionality is available both on a computer and in applications on mobile devices.

The advantages of mobile applications are obvious - statistics show that the frequency of use of mobile interfaces is growing every year, and with the right communication strategy, mobile devices can become an additional sales channel.

Order through the client personal account

All the client needs is a passport or confirmed registration on public services portals

The client scans the passport, uploads the scan to the system or logs in through public services portals
The system automatically recognizes passport data, fills in personal data of the client and checks through state information systems.
The client selects products on the showcase
The client draws up a purchase request
The client signs it with an electronic signature via SMS
The client pays for the application in a convenient way

Technological stack

The platform is built on a microservice architecture that’s why it provides a high speed of changes in functionality. The use of this solution can reduce time2market to 1-2 weeks

Modules of the platform

Agent personal account

Client personal account

Site

Mobile application

Registration of an application through an agent’s manager
Payment online or through the cashier
Statistics of operations by manager, department or agent

Registration of an application online
Payment online or by details
Remote authentication via external resources

Convenient product showcase with the possibility to choose products with certain parameters
Product cards with graphs and detailed descriptions
Compulsory materials storage system for regulatory compliance and integrity control

Full features of the client’s personal account
Native applications for IOS and Android
Identification in the application via TouchID/FaceID

Results of implementation

The conversion to sales from the online channel grew 2.3 times on the same traffic
Client registration time in the office was reduced from an hour to 5 minutes
The time2market change rate reduced from 2-3 months to a week
Previously, it was not possible to know how much one client costs for a company

Today we can calculate the cost of customer acquisition and evaluate how changes in the system affect this indicator

Acting CEO of Uralsib management companyAnatoliy Kalenskiy

Terms and conditions of implementation

In 3 months we can
implement a system
in affiliate network

During this period we will estimate the increase in sales for the control group of offices where the system will be implemented

Client reference:

Using the A1 platform, we were able to launch a new version of the personal account for corporate and private clients in our fund in just 3 months, against almost a year of developing the previous version of the personal account. And a month later we could launch mobile applications that were evaluated by other developers in more than six months of development!

But most importantly, we got a solution that can be expanded both by the forces of our developers and by cooperation with other contractors

Director of innovations PPF Safmar

Artem Lebsak

Ask a question about the product features

Write to us and we will definitely answer you within one business day

Web/mobile personal account system for financial assets management

The system solves key problems in sales support:

Long cycle for the deal

Low sales-manager’s involvement

A lot of paperwork in the office

Paper workflow between an agent and a company

Low conversion

The high cost of sales

Complex and exhausting calculation of the deal’s value

A1 Platform structure

Capabilities of agent personal account

Customer data are entered through passport scanning, manually of be usage or external services. The system implies verification of data through state information systems

Selection of products on the showcase by parameters or with a step-by-step questionnaire, with assignment of a risk profile

Draw up an application for purchase

A detailed description of the product, its statistics and tips - the reasons for the purchase

Sign an application by electronic signature via SMS

Draw up documents for payment

Reception of applications from clients

Connect to a sales consultant from your company online

View a complete or limited dataset for an individual client

View sales statistics from different sides: manager / place of sale / agent

List of products

Dynamics

Customer search

Portfolio

Convenient registration of the deal by the manager

The manager scans the client passport, uploads the scan to the system

The system automatically recognizes passport data, fills in personal data of the client and checks through state information systems

The manager selects products on the showcase, offers them to the client

The manager draws up a purchase request

The client can sign it by electronic signature via SMS or on a paper application

Automatically, the client gets access to the personal account (in web and mobile applications)

The client pays for the application at the box office

Capabilities of client personal account

Pick up any product on the showcase

Explore its description and statistics in detail

Make an application for registration of the PIA or STM

Sign it with an electronic signature via SMS

Pay in a convenient way

Keep track of the portfolio’s dynamics

Apply for the purchase share of stocks

All this functionality is available both on a computer and in applications on mobile devices.

Order through the client personal account

The client scans the passport, uploads the scan to the system or logs in through public services portals

The system automatically recognizes passport data, fills in personal data of the client and checks through state information systems.

The client selects products on the showcase

The client draws up a purchase request

The client signs it with an electronic signature via SMS

The client pays for the application in a convenient way

Technological stack

Modules of the platform

Results of implementation

The conversion to sales from the online channel grew 2.3 times on the same traffic

Client registration time in the office was reduced from an hour to 5 minutes

The time2market change rate reduced from 2-3 months to a week

Previously, it was not possible to know how much one client costs for a company

Terms and conditions of implementation

We suggest several options for cooperation:

License sale

License rent

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The system solves key problems
in sales support:

We suggest several
options for cooperation: