This year, the 10th annual conference of electronic banking and payment systems will be held with the theme “Transition to Smart Banking”
According to the IDEA, Activists and officials of the central bank believe that now that almost 98% of the country’s banking services are electronic, the introduction to smart banking has been provided, and personalization and customization of services and facilities are important features of smart banking.
In the press conference of the 10th annual conference on electronic banking and payment systems, Mehran Moharamian, vice president of new technologies of the central bank, said: The main focus of this year’s conference is the transition to smart banking, and now that almost 98% of banking services in the country are electronic, it is the best time for the transition to smart banking.
The prelude to intelligence, electronic and digitalization
He further added: A large part of the activists in the field of economics and technology are engaged in improving and promoting banking services in Iran, and now that we have passed several 10-year periods, now it is the turn of the services to be smart.
According to Moharamian, the introduction of intelligence is electronic and digitalization of services, and smart banking is not something separate from electronic banking and only gives it quality. He explained in this regard: personalization and customization of banking services is an indicator of smart banking, and if each person is offered services or offers facilities based on the economic and occupational status of each person, then this indicator has been done correctly.
In addition to the fact that smart banking also prevents fraud and untimely transactions, and this is one of the important elements of smartness. At the central bank, we have focused so much on the fight against money laundering that we are solving the challenges of this field by using technologies and artificial intelligence.
Moharamian continued to mention validation as another topic that will be heavily focused on in this year’s conference. Moharamian went on to talk about other areas that will be discussed in this conference and added: the discussion of the stability of services, the discussion of passive defense, the challenge of human capital and the solution for the sustainability of the forces and giving ideas to decision makers are also important topics that will be discussed in this conference. We are talking about them.
We have gone from 10 check prisoners a day to one in three days
The vice president of new technologies of the Central Bank also talked about the issue of checks and their smartness in recent years and explained: Now, checks have become a strong document and with the latest banking technologies, bounced checks have decreased drastically, and the issue of check prisoners has been increasing since day 10.
The number of people has reached one person in three days. In addition, we are also looking for formulas for credit checks, and if I want to summarize this discussion, according to the head of the judiciary, the process of intelligentization and control and monitoring of checks has provided a revolution in this field, and a follow-up for a check that sometimes takes 200 days. Now it is done in seconds. In this way, the person who checks cannot easily involve himself or others in his mistake.
He continued: Another issue we will talk about is the reform of the fee system, which has been done in two stages so far, and we will talk more about it in the conference. We will also discuss the mapping of new banking technologies or fintechs and their support, and we want a clear path in front of fintechs. Because the central bank has committed itself to fintechs to grow their market, because the development of fintechs will help the growth of the digital economy.
Alireza Mahiar, Managing Director of National Informatics Company, confirmed the words of the Central Bank’s Vice President of New Technologies and added: “A lot of effort has been put into the formation of this conference, and all the players in the banking sector have decided to move from traditional to smart even in their booths.” The discussion of neobanks and technologies such as artificial intelligence and a macro view of the issue is one of the goals that we pursue in the conference.
November 20 and 21 with 16 scientific meetings and 24 workshops
Peyman Ghorbani, head of Central Bank’s monetary and banking research institute, also provided details of the 10th annual conference on electronic banking and systems and said: this conference will be held on November 20 and 21 at the International Broadcasting Conference Center and the focus of the conference is “Transition to Smart Banking”.
Fortunately, the evolution of technology in the field of banking has been great, and since the beginning of the 80s, the development of electronic banking in the country has intensified, and in this regard, payment systems have undergone many changes.
Now we have left behind electronic banking and have reached smart banking, and if it were not for these infrastructures, it would not be possible to talk about government subsidies and support policies. Of course, the discussion of smart banking is a discussion beyond electronicization and will lead to the discussion of centralized data and personalized services.
Regarding the details of this conference, Ghorbani also explained: 202 papers have been received so far and we have selected 16 scientific meetings and 50 presentations out of 202 papers for the days of the conference. 24 workshops will be held during these two days, and in general, more than 30 companies and banks are sponsoring the event.
Our main approach in the conference is to strengthen the scientific and quality of the conference, and as always, we will also have Dr. Noorbakhsh festival.
The most important goals of the event is to examine the dimensions of smart banking, and our audience is all banking network activists and managers and experts of payment systems and the academic and computer science community.
At the end of the session and in the question and answer section to the media, Moharamian said, “B2B Lending, In the way of providing services in the form of cash, there are some points that limit their work in this process. But he has seen these issues in the new map and we are working on these issues and we are aware of them.”
In another part of the question and answer, Moharamian mentioned the problem in providing micro-facilities and its missing link as validation and said: With the new validation method, many problems that exist in the way of providing micro-loans will be reduced and we have seen good things in this. We will be the path.
Moharamian also added: The issue of digital Rial, the discussion of cryptocurrencies and many other points are included in the map and we will discuss them in detail at the conference.
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