Igor Korchagin added that the platform collects data from two major credit bureaus,

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or Korchagin, manager of the Credit Rating product at Sravni.ru, reported that the financial marketplace launched the Credit Rating service so that the user could track the credit rating indicator and its changes: the service shows current loans, payment schedule, overdue payments and the burden on current payments.

receiving the user's agreement through "Gosuslugi". According to him, the product is already available to users on the website and in the mobile application, and there is no fee for its use.

The company has already bahamas whatsapp resource invested 250 million rubles of its own funds into the development and plans to spend another 100 million rubles on product refinement by the summer of 2024. When asked by a ComNews correspondent whether this product will become paid for by users in the future, Igor Korchagin replied that the company does not plan to commercialize it yet.

As Igor Korchagin explained, banks pay the Sravni.ru platform for users who learn about banking products on the marketplace and become their clients. Sravni.ru invests in the Credit Rating service so that a person can track their credit history, improve their rating, and take advantage of new credit offers.

According to Sravni.ru, in 2023, the average credit rating of Russians was 602 points out of 1000, which indicates the likelihood of being denied a loan. After checking their credit rating on Sravni.ru, 10 thousand clients closed credit cards that they did not use. Their average credit load decreased from 63% to 54%, and their credit rating increased from 792 to 847 points," the platform's analysts reported.

FG Finam analyst Leonid Delitsyn believes that the amount the company is going to invest in improving the service is enough to make a product and reliably find out whether it will be in demand. "Financial marketplaces, together with telecom operators and bigtech, are constantly putting pressure on the traditional banking services market, forcing this market to transform faster than it would like," he added.

"Sravni.ru" is aimed at adding a useful function to the current structure, and 100 million rubles will be enough for such a scale of update. With this amount, they can even completely update the current project," says Kirill Vladimirov, CEO of IT ONLY LLC (IT company ONLY).

"Artem Tuzov, Director of the Corporate Finance Department at IVA Partners, also believes that the costs of 100 million rubles for providing a new service to the audience are quite acceptable, since the product itself will be based on data from existing credit bureaus and does not require large financial costs for launch.

"Financial marketplaces are demand aggregators. And every year they become more and more significant in the market. Due to guarantees from the deposit insurance agency up to 10 million rubles, it is more profitable for users to use financial marketplaces for deposits. And the habit of using the service helps sell credit products to users to banks," added Artem Tuzov.