For the second year in a row, JTC has been included in the ranking of the largest IT suppliers for banks (available in Russian only) according to the analytical agency Tadviser. The company is among the TOP-20 leading vendors implementing projects based on their own solutions. The research involved 78 IT companies with total revenue over 210.5 billion rubles.
Sergey Zhukov, CEO of JTC, shared with Tadviser his assessment of the digitalization banking dynamics and his opinion on priority projects and technical innovations in 2025, and also commented on the impact of new digital payment methods on technology plans.
"It is difficult to single out any one direction of market development, because the vector is determined by the size of the bank, its strategy and position in the market. But the market was definitely driven by the need to replace critical infrastructure. The regulator - the Bank of Russia, which is creating a new reality, a new customer experience, and banks, together with vendors, are creating new solutions and infrastructure for this," the expert noted. Leading banks participate in pilots, switch to or create domestic technologies themselves, and actively share their experience with other market participants. Artificial intelligence technologies are at the forefront. AI solutions are being implemented in various areas of the banking business: automation of business processes, personalization of customer experience and the fight against fraud. On one side of the scale are speed, automation, profit, and on the other - new risks and threats. New forms of assets are emerging and this also requires the refinement of the banking IT infrastructure.
"We are seeing active development of digital products for legal entity clients. Banks are adopting excellent retail solutions, including those outside their industry, rethinking this experience and building a new service for business clients on its basis. Regional players are actively joining digitalization, fighting for niche clients, building new hypotheses and growing their product factories. They are interested in vendors - partners with competencies that the bank itself lacks, so that such project teams can create a new client experience and simplify the path to banking products," Sergey Zhukov shared his vision.
Answering the question about the impact of new digital payment instruments on banks' technological plans, the expert noted the digital ruble, which is certainly taken into account in planning. A number of players are already actively involved in finding a solution, choosing suppliers, recruiting a team, analyzing their processes and planning restructuring. There are those who are taking a wait-and-see attitude and are still postponing the active phase of the project until at least autumn. The main question is how to recoup the costs of implementing such a project, when and under what conditions a payback is possible, how to assess and mitigate risks.
JTC is a technology partner and supplier of remote banking systems and personal account solutions for banks and financial sector companies, built on their proprietary Salto digital platform, an expert in the field of building banking ecosystems and automating business processes.
Sergey Zhukov, CEO of JTC, shared with Tadviser his assessment of the digitalization banking dynamics and his opinion on priority projects and technical innovations in 2025, and also commented on the impact of new digital payment methods on technology plans.
"It is difficult to single out any one direction of market development, because the vector is determined by the size of the bank, its strategy and position in the market. But the market was definitely driven by the need to replace critical infrastructure. The regulator - the Bank of Russia, which is creating a new reality, a new customer experience, and banks, together with vendors, are creating new solutions and infrastructure for this," the expert noted. Leading banks participate in pilots, switch to or create domestic technologies themselves, and actively share their experience with other market participants. Artificial intelligence technologies are at the forefront. AI solutions are being implemented in various areas of the banking business: automation of business processes, personalization of customer experience and the fight against fraud. On one side of the scale are speed, automation, profit, and on the other - new risks and threats. New forms of assets are emerging and this also requires the refinement of the banking IT infrastructure.
"We are seeing active development of digital products for legal entity clients. Banks are adopting excellent retail solutions, including those outside their industry, rethinking this experience and building a new service for business clients on its basis. Regional players are actively joining digitalization, fighting for niche clients, building new hypotheses and growing their product factories. They are interested in vendors - partners with competencies that the bank itself lacks, so that such project teams can create a new client experience and simplify the path to banking products," Sergey Zhukov shared his vision.
Answering the question about the impact of new digital payment instruments on banks' technological plans, the expert noted the digital ruble, which is certainly taken into account in planning. A number of players are already actively involved in finding a solution, choosing suppliers, recruiting a team, analyzing their processes and planning restructuring. There are those who are taking a wait-and-see attitude and are still postponing the active phase of the project until at least autumn. The main question is how to recoup the costs of implementing such a project, when and under what conditions a payback is possible, how to assess and mitigate risks.
JTC is a technology partner and supplier of remote banking systems and personal account solutions for banks and financial sector companies, built on their proprietary Salto digital platform, an expert in the field of building banking ecosystems and automating business processes.
