Up to 2007, DenizBank Moscow, Russian subsidiary of Turkish DenizBank and part of the largest European banking group Dexia, focused on corporate banking services for Russian-Turkish small and medium businesses. This year, the bank has taken a decision to expand into the Russian retail banking market with a set of consumer lending offerings and card products.

To win a leading position in this highly competitive sector, the bank has embarked on creating a modern IT infrastructure with a fully functional card processing centre based on BPC?s SmartVista Suite.

The chosen card processing solution will include SmartVista Front-End for on-line transaction processing and terminal management, and SmartVista Back-Office for card and merchant management, with special modules for Internet banking and magnetic stripe and chip cards personalization. This high-end SmartVista based processing center will enable DenizBank Moscow to issue Visa and MasterCard branded cards.

The modern solution will also allow DenizBank to expand functionality of credit card products, including those combined with loyalty programs, and to increase availability of services via all modern delivery channels.

Moreover, with SmartVista special module for ATMs and self-service kiosks management, the bank will be able to support a diversified functional range of these devices bringing more benefits to its customers.

Combining SmartVista impressive features and modern technological approaches, DenizBank Moscow will be able to optimize its business processes, significantly extend the range of retail products, and make the services more convenient for customers, gaining considerable competitive advantages in the retail banking sector.