Banking business in the digital society: foreign experience
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Date
2021Author
Харабара, Віолетта
Грешко, Роман Ігорович
Третякова, Олена Василівна
Харабара, Владимир
Heorhadze, Oleksandr
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The article examines the world and domestic experience in the use of digitalization in the
banking sector. Foreign experience and the reasons for active digitalization in the banking sector
of the Ukrainian economy in recent years are analyzed. The study revealed the essence of digital
technologies for the development of banking services. The distribution of countries according to
the use of digital banking is studied and the leaders of the world banking market are indicated.
The analysis of the reasons and segments of distribution of technologies of Internet banking in
the period of digital world economy is carried out. The problems and opportunities of digital
banking for the world banking business are described and perspective innovative opportunities
of banks are formed. It is proved that digital technologies transform the banking activity in the
global economy, make it more personalized and general for all devices and applications in which
the banking service is implemented. The role of digital banks and their chronology in the global
financial system are clarified. It is proved that the key changes in the activities of the banking
sector in the context of digitalization should be customer-oriented and ensure the effective
development of the domestic banking sector, namely: the formation of a new quality of
customer service; development of new and improved existing products, development of new
and improved existing channels of banking services; formation of digitally oriented personnel.
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