Do you have a backup plan?
No, the article is not about a backup plan. An article about Plan B.
Succumbing to mass hysteria, I decided to go to the NPF. (No! The article is not about NPFs!)
I read the reviews and ratings, found out that different sources, without a twinge of conscience, publish different returns on the same NPFs (again distracted) ... and decided to transfer to XXX24 (there is no point in discussing).
I come to the department, sit with a ticket for 1 hour (one hour) in a queue of three people, finally I get an appointment and find out that "today our system is hanging and almost does not work." (Here! Here's an article about this.)
Well, I understand that it happens.
Two days later, this Friday, I come to another branch of ХХХ24 and find out completely out of turn that they also have a “hanging and not working” system. And no, without a system they cannot accept the application.
- How so? - I say - Do all departments do not work?
- On Monday, everything was working fine. You come next week.
I even thought for a moment when next week I will have the opportunity to leave work to come to the bank, but it dawned on me immediately:
“You can’t transfer your money to such a bank!”
No, this is not a reaction of a capricious child. Yes, systems are sometimes buggy. But how does the bank and NPF behave in this situation? But no way. They do nothing. They have no plan “B”.
Just in those days when there was a surge in the activity of transfers in non-state pension funds.
But these are not instant translations, here the system is not needed at all. It is enough for them to accept a statement from me with a signature, with correctly filled in details, with a useless photocopy of the passport and SNILS to send it to the pension fund and put it into the system.
That is, somewhere in the bank there is a big man who is responsible for non-state pension funds, who receives bonuses for his success, but he does not care that clients can’t write applications for several days.
But he could have built everyone, sent at least electronically, at least courier instructions for receiving applications in paper form, would have sent the forms to fill out and the procedure for how to enter them later when the work is restored. Clearly, not himself, through subordinates. But he does not do it.
Can I be sure that when it will be necessary to quickly respond to changes in the market and transfer my investments from one financial instrument to another, can this bank be effective?
Not. I'm not sure.
Do not write that some people manage investments, but others draw up contracts. There is a guide over them. And in this branch of management, inaction reached the highest point and the result is that employees did not receive plan “B”.
None of this entire branch of executives hit the table and said: “You will go to distribute newspapers on the street if my clients are not serviced right now. "Anything, anything, anytime, but so that applications are accepted and processed, at least flash drives via pneumatic mail!"
Indeed, in this situation, I, as a future client of an NPF, might not even know at all that something is buggy with them. I wrote a statement, I submitted documents, I signed a contract. When it got into the system - right now or they were taken to the central office and entered from the backup terminal at night - there is no difference.
Okay, kinda let it go. Now to the analytical part:
Even 50 years ago, computers were not used in everyday life. And nothing, the business was spinning. Banks worked, stores delivered orders, even people traded on the stock exchange.
This means that in most cases, an alternative process can be envisaged that allows working in a temporarily absent main system. And it will not always be more expensive.
Moreover:
And draw up the rules and conditions for reimbursement of such downtime. Had to hire 20 couriers and pay overtime to operators to enter data after system recovery? It’s not a question, we subtract from the premium fund of the unit that allowed the joint. Not hypothetical loss of profit, but actual expenses. And this will not be a loss of business, but an incentive to work efficiently.
It may be true here that a process without a system and with acceptable quality is not worth the money spent on the system. Maybe that's why IT does not like to think over plan "B"?
Implementing a process without a system allows you to adequately assess the benefits of having a system:
- reducing costs for the process
- speeding up the process (competitive advantage)
- having services that are unattainable (really?) Without a system.
- etc.
It turns out that it is not the system developers, but the business owners who are interested in the availability of Plan B.
Yes, there are operations that cannot be done without a system, but there are many other cases
- Why, when the online store is buggy, I see a PHP error, and not a request to call and make an order?
- Why, when the ATM doesn’t work, they write to me “Sorry, it doesn’t work,” but don’t show the addresses of the nearest ones with a location map and a telephone for customers?
- Why in one bank after losing the database they were able to restore all paper transactions, and then, damn it, they can’t accept the payment and put a stamp on the receipt, so that later they can simply enter it by hand?
Disclaimer: Possible coincidence of names can be considered random, so that suddenly no one would think that I want to discredit some bank.
Succumbing to mass hysteria, I decided to go to the NPF. (No! The article is not about NPFs!)
I read the reviews and ratings, found out that different sources, without a twinge of conscience, publish different returns on the same NPFs (again distracted) ... and decided to transfer to XXX24 (there is no point in discussing).
I come to the department, sit with a ticket for 1 hour (one hour) in a queue of three people, finally I get an appointment and find out that "today our system is hanging and almost does not work." (Here! Here's an article about this.)
Well, I understand that it happens.
Two days later, this Friday, I come to another branch of ХХХ24 and find out completely out of turn that they also have a “hanging and not working” system. And no, without a system they cannot accept the application.
- How so? - I say - Do all departments do not work?
- On Monday, everything was working fine. You come next week.
I even thought for a moment when next week I will have the opportunity to leave work to come to the bank, but it dawned on me immediately:
“You can’t transfer your money to such a bank!”
No, this is not a reaction of a capricious child. Yes, systems are sometimes buggy. But how does the bank and NPF behave in this situation? But no way. They do nothing. They have no plan “B”.
Just in those days when there was a surge in the activity of transfers in non-state pension funds.
But these are not instant translations, here the system is not needed at all. It is enough for them to accept a statement from me with a signature, with correctly filled in details, with a useless photocopy of the passport and SNILS to send it to the pension fund and put it into the system.
That is, somewhere in the bank there is a big man who is responsible for non-state pension funds, who receives bonuses for his success, but he does not care that clients can’t write applications for several days.
But he could have built everyone, sent at least electronically, at least courier instructions for receiving applications in paper form, would have sent the forms to fill out and the procedure for how to enter them later when the work is restored. Clearly, not himself, through subordinates. But he does not do it.
Can I be sure that when it will be necessary to quickly respond to changes in the market and transfer my investments from one financial instrument to another, can this bank be effective?
Not. I'm not sure.
Do not write that some people manage investments, but others draw up contracts. There is a guide over them. And in this branch of management, inaction reached the highest point and the result is that employees did not receive plan “B”.
None of this entire branch of executives hit the table and said: “You will go to distribute newspapers on the street if my clients are not serviced right now. "Anything, anything, anytime, but so that applications are accepted and processed, at least flash drives via pneumatic mail!"
Indeed, in this situation, I, as a future client of an NPF, might not even know at all that something is buggy with them. I wrote a statement, I submitted documents, I signed a contract. When it got into the system - right now or they were taken to the central office and entered from the backup terminal at night - there is no difference.
Okay, kinda let it go. Now to the analytical part:
Even 50 years ago, computers were not used in everyday life. And nothing, the business was spinning. Banks worked, stores delivered orders, even people traded on the stock exchange.
This means that in most cases, an alternative process can be envisaged that allows working in a temporarily absent main system. And it will not always be more expensive.
Moreover:
The presence of an alternative process allows you to estimate the cost of system downtime
And draw up the rules and conditions for reimbursement of such downtime. Had to hire 20 couriers and pay overtime to operators to enter data after system recovery? It’s not a question, we subtract from the premium fund of the unit that allowed the joint. Not hypothetical loss of profit, but actual expenses. And this will not be a loss of business, but an incentive to work efficiently.
It may be true here that a process without a system and with acceptable quality is not worth the money spent on the system. Maybe that's why IT does not like to think over plan "B"?
The presence of an alternative process allows you to evaluate the effectiveness of the system
Implementing a process without a system allows you to adequately assess the benefits of having a system:
- reducing costs for the process
- speeding up the process (competitive advantage)
- having services that are unattainable (really?) Without a system.
- etc.
It turns out that it is not the system developers, but the business owners who are interested in the availability of Plan B.
Yes, there are operations that cannot be done without a system, but there are many other cases
- Why, when the online store is buggy, I see a PHP error, and not a request to call and make an order?
- Why, when the ATM doesn’t work, they write to me “Sorry, it doesn’t work,” but don’t show the addresses of the nearest ones with a location map and a telephone for customers?
- Why in one bank after losing the database they were able to restore all paper transactions, and then, damn it, they can’t accept the payment and put a stamp on the receipt, so that later they can simply enter it by hand?
Disclaimer: Possible coincidence of names can be considered random, so that suddenly no one would think that I want to discredit some bank.