Meet Max Rublev, the newest recruit of the Credit Bank of Moscow. He’s impeccably turned out in a dapper suit, red tie and brown shoes.

He’s never late, nor does he knock off early – and sometimes he pulls all-nighters. If that’s a strain on his marriage, it doesn’t show. But if this consultant seems too good to be true, it’s because he’s the latest creation of Skolkovo resident Nanosemantics.

Max Rublev is an animated visual consultant on the website of Credit Bank of Moscow.

The impeccably turned-out Max Rublev answering a question about issuing customized credit cards

Nanosemantics software equips Max with an impressively broad array of responses to all sorts of questions, ranging from the professional - the documents required for loan applications – to the personal: How old are you?

“I’m a man in the prime of his life,” he chuckles.

The dialog system, visible on the bank’s website, is designed to save labor by answering the most commonly asked questions before connecting a user with a live consultant.  

Nanosemantics has produced virtual consultants for corporate websites, but this is the most sophisticated yet - integrating the process of automated and live responses plus the callback option into one system..

“Its artificial intelligence (knowledge base) enables the virtual consultant to give the right answer to 80 percent of user requests,” the company said in a statement sent to

“Previously if the robot failed to recognize or answer the user request, it addressed the user to the contact center providing the needed contacts, and the user had to find a company specialist on his own.”

If all live consultants are busy, Max informs the user and suggests making use of the callback service. This service will be added to the project soon, Nanosemantics said, even though it seems it may not be needed:

“The first statistics shows that in most cases the virtual consultant handles the majority of requests and the live consultant rarely joins in,” the company said.

Max answers 80 percent of user questions accurately, the company says

The user might guess Max has an informal demeanor due to his slight hipster appearance, although the glasses, beard and hint of quiff might also remind Russian users of a young German Gref, the former Russian minister for economic development and trade, and current chairman of Sberbank, the country’s biggest bank.

His surname, Rublev, smacks of money because its root is ‘ruble,’ the national currency, and also brings to mind Rublevskoye Shosse, a parade of palatial residences in the west of the Russian capital.

Nanosemantics is the leading Russian developer of new human-computer interfaces that make it easier for users to interact with websites and devices. Since 2005 it has been specializing in applied linguistics, Internet technologies and customer management solutions.

The company is a resident of Skolkovo’s IT cluster.

Among its clients are the leading cellular companies (MTS, Beeline Kazakhstan, Yota, Netbynet, Tricolor TV), banks and finance companies (VTB24, Binbank, TCS Bank, Webmoney), e-commerce (M.Video, Eldorado, X5 Retail Group) and others.

Nanosemantics provided the programming support for Lexy, a robot with mood swings.

Credit Bank of Moscow is a top 20 Russian bank with assets of 486.7 billion rubles ($12.1 billion).