Deferred Payments, On Autopilot: Factoring Platforms Are Rewriting Client Workflows
Alfa-Bank has deployed a new system for accounting factoring operations, developed by bpm (LANIT Group). By fully upgrading its digital factoring platform introduced a year earlier, the bank has built a fault-tolerant IT infrastructure capable of supporting growing volumes of supply chain finance.
The updated platform automates the full client lifecycle, as well as deal management and financing, while maintaining a high level of cybersecurity and service quality. The entire process of arranging a deferred-payment transaction between a seller and a buyer now runs online through electronic document exchange, reducing processing time. Faster access to working capital helps companies avoid liquidity gaps, strengthening supply chain resilience across industry, logistics, and retail.
The bank independently assesses counterparty reliability using deeply automated accounting, analytics, and risk control. The bpm solution is built on a microservices architecture, allowing individual modules to be updated without interrupting the core system and reducing operational risk.
Market Demand and Regulatory Pressure
Last year, nearly 21,000 clients across Russian banks used factoring tools. According to the Association of Factoring Companies, market participants financed 11.6 million deliveries in 2025, with total payouts reaching 10.252 trillion rubles (approximately $112 billion).
Analysts expect continued growth in the factoring market, driving demand for scalable platforms. One likely direction is end-to-end digitalization, including integration with counterparties’ electronic document systems and ERP platforms, the rollout of predictive risk analytics, and real-time configuration of financial products.
Regulation is also shaping the shift. Requirements from the Bank of Russia around risk transparency and data protection are pushing banks to invest in domestic database systems and cryptographic standards.
Toward Full Automation
Factoring in Russia has undergone rapid digitalization over the past five years, accelerating as client expectations have become more complex. Today, customers look beyond pricing and deal limits, focusing on platform quality and decision speed. In response, market players have moved toward full automation. For example, Rosselkhozbank Factoring introduced a digital platform in late 2024 that fully automates client interactions.
Alfa-Bank completed the digitalization of client interactions in factoring in 2025 and has now introduced a new accounting system that reduces human involvement in financing and deal servicing to near zero. Remote deal management and contract execution are also available through the SberFactoring platform, the largest player in this market. Recently, Sberbank announced the launch of its factoring service in India.
Growing Demand for Fintech Infrastructure
The modernization of factoring systems reflects a broader shift in Russia’s financial sector. The country’s digital economy is moving toward a technologically sovereign model of financing for the real economy.
In the coming years, competition will hinge on onboarding speed, depth of integration with client IT environments, the quality of predictive analytics, and cybersecurity. This is driving sustained demand for new IT solutions, and Russian developers are positioned to deliver them, demonstrating maturity in building and deploying mission-critical fintech software.
