AI in Russia Will Help Citizens Build Wealth

Sber has launched several new digital assistants built on its Gigachat AI platform. These tools are integrated directly into the mobile banking app SberBank Online and are intended for a broad audience of users across Russia.

A Smarter Investment Portfolio

The capital‑management assistant offers personalized investment ideas based on a user’s financial profile. It evaluates risk levels, income goals, and current market conditions, and recommends suitable financial products inside the “Savings” section under the “Performance” tab.

Keeping Spending Under Control

The spending assistant analyzes users’ financial habits, highlights unusual transactions, and helps them maintain a healthier balance between income and expenses. It can answer voice or text queries inside the app—for example, providing a breakdown of last month’s spending.

No More Missed Tax Benefits

The tax assistant is integrated with Russia’s social tax platform and automatically identifies which deductions a user is eligible for. It then fills out the necessary application forms, leaving only one step for the user: confirming submission in their Federal Tax Service account.

According to Sber’s First Deputy Chairman Kirill Tzarev, new AI‑based financial assistants make essential financial services more accessible and significantly reduce the time users spend managing routine tasks.

AI, embedded directly into everyday financial tools, enhances people’s ability to manage their money and unlock new opportunities for long‑term financial well‑being.