Development of banking business in the condition of digital economy
Переглянути
Дата
2022Автор
Харабара, Віолетта
Грешко, Роман Ігорович
Третякова, Олена Василівна
Metadata
Показати повний опис матеріалуКороткий опис(реферат)
In the digital economy, the introduction of new technologies
not only increases consumer satisfaction with the banking product, but also
ensures the development of the country's financial sector. The authors analyze
the specifics of the banking sector in the digital economy and the main problems
that arise in the process of their activities. It has been proven that the emergence
of neo-banks as a new form of banking is associated with the significant
development of Internet technologies and the emergence of a new generation of
consumers who prefer total remote control over their own finances. The articl
examines the current features of the formation of digital banking in Ukraine.
The role of modern digital technologies in the development of the banking
system is also comprehensively revealed. 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 the development
of the digital economy is an important stage in the development of the digital
market in Ukraine and its further integration into the single global digital
market. It is noted that digital technologies are transforming banking in the
global economy, making it more personalized and common to all devices and
applications that provide banking services. These aspects are formed within the
trend of innovative development of the global and domestic banking sector and
the formative transition to digital banking products and digitalization of banking
services. The main characteristics of the digital economy, factors, state, as well
as the main issues of the current stage of development of banks were assessed. It
was noted that these aspects are formed in the framework of the trend of
innovative development of the global banking sector and accelerating the
transition to digital banking products and digitalization of banking services. It
was identified that the main problems for Ukraine are the legal framework, the
need for significant investment and other aspects that slow down the
implementation and reduce the profitability of banks based entirely on digital
technologies.