bg
Digital economy
12:26, 15 October 2025
views
6

Sber Launches 24/7 AI Tax Assistant for Investors

Artificial intelligence continues to gain momentum in Russia’s financial sector. At the FINOPOLIS 2025 forum, Sber announced the launch of a specialized AI-driven tax assistant for retail investors, designed to make financial planning and compliance effortless.

Smarter Tax Help: Remind, Calculate, Explain

At the FINOPOLIS 2025 innovation forum, Russia’s largest bank, Sber, revealed its upcoming personalized AI tax assistant, part of its expanding multi-agent AI ecosystem.

The virtual assistant will help retail investors calculate personal income tax on investment returns, remind them of filing deadlines, explain tax deductions, and clarify how dividends and bond coupon income are taxed.

The AI agent integrates seamlessly with Sber’s existing investment analytics tools—covering sentiment analysis, portfolio management, and market forecasting. For the first time, investment and taxation data are merged in real time, providing users with a comprehensive view of their finances.

Benefits for Clients, Businesses, and the State

For investors, the AI assistant simplifies complex tax procedures, reduces human error, and boosts financial literacy. For businesses, it helps cut operational costs while improving customer satisfaction and loyalty.

At the same time, the government benefits from higher tax discipline: when payments are automatically tracked and users receive intelligent reminders, late filings become virtually impossible.

“Sber has extensive experience developing digital services, including those powered by AI. The Russian Federal Tax Service is one of the most technologically advanced government agencies in the country. We share a common goal—to build seamless tools that connect our clients with the FNS and automate routine processes.”
quote

The AI system also relieves pressure on Russia’s Federal Tax Service (FNS) support centers—no more waiting on hold or visiting offices in person. Now, users can get personalized answers instantly through their SberBank Online app.

From Consultation to Automation

According to Aisha Kubezova, Managing Director and Head of Electronic Markets at Sber, interest in AI-based financial consulting has surged: “Last year, we introduced tax consultations in our virtual assistant, and we’ve already seen high demand—50,000 of our clients are using it.”

The next step, she noted, is deep integration with Sber’s social tax deduction platform, launched in September 2025. This will allow users not just to receive advice, but also to auto-fill and submit tax forms directly to the FNS. Planned upgrades include smart reminders for payment deadlines and automated pre-filling of 3-NDFL tax forms.

In the medium term, Sber plans to offer this solution as a B2B SaaS product for other banks and brokers, leveraging the flexible architecture of its multi-agent AI systems.

The Unified Digital Tax Ecosystem

The tax assistant continues Sber’s long-term strategy of digital integration between citizens, businesses, and the state. In partnership with the Federal Tax Service, the bank previously launched Russia’s first large-scale social tax deduction platform, which digitizes the refund process for expenses in healthcare, education, and sports.

When a user pays for eligible services, data—sent with consent—automatically flow into the SberBusiness system. The platform generates a legally valid report and forwards it to the FNS. Users no longer need to collect receipts or fill out declarations manually—everything happens with one click inside SberBank Online.

This initiative underscores the maturity of Russia’s digital economy, where public institutions and private corporations jointly develop secure, scalable, and user-centric solutions that serve millions of citizens daily.

like
heart
fun
wow
sad
angry
Latest news
Important
Recommended
previous
next