Academic Journal
E-BANKING DEVELOPMENT: WORLD AND DOMESTIC EXPERIENCE
| Title: | E-BANKING DEVELOPMENT: WORLD AND DOMESTIC EXPERIENCE |
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| Source: | Problems and prospects of economics and management; No. 2(18) (2019): Problems and prospects of economics and management; 154-162 Problemy i perspektywy ekonomii i zarządzania; Nr 2(18) (2019): Проблеми і перспективи економіки та управління; 154-162 Проблемы и перспективы экономики и управления; № 2(18) (2019): Проблемы и перспективы экономики и управления; 154-162 Проблеми і перспективи економіки та управління; № 2(18) (2019): Проблеми і перспективи економіки та управління; 154-162 |
| Publisher Information: | НУ «Чернігівська політехніка», 2021. |
| Publication Year: | 2021 |
| Subject Terms: | мобильные приложения, the Internet, мобільний банкінг, Інтернет, 9. Industry and infrastructure, e-banking, mobile applications, электронный банкинг, інтернет-банкінг, 8. Economic growth, електронний банкінг, mobile banking, мобільні додатки, интернет-банкинг, internet banking, 336.71, мобильный банкинг, Интернет |
| Description: | Information technologies already permeate most areas of human life; they are actively developing in the financial system, in particular, in the banking sector. Commercial banks play a key role in the development of Ukraine's economy. Today in the banking sector there is a high level of competition between the outlined institutions, because the range of their services is quite the same and they can compete with each other only by improving the quality of financial services, introduction of new technologies of the customer service. This situation determines significant interest of banks in the development and implementation of new technologies that would help increase the efficiency of institutions themselves and ensure the growth of customer service. An important role in the development of banking institutions is played by e-banking, among the ways to provide its services are divided into three forms: 1) services related to settlements using bank cards; 2) internet-banking; 3) mobile-banking. Today, internet banking, mobile banking are the most popular and affordable forms of e-banking. This is primarily due to the high share of non-cash payments and the desire of customers to carry out financial transactions quickly and reliably. In addition, world experience shows that neo-banks (mono-banks, virtual banks) play an important role in the e-banking development, the emergence of which is associated with the development of modern information technology. These financial institutions do not have separate physical branches and provide their services exclusively through Internet banking and mobile banking. Such commercial banks, being innovative in nature, very often become catalysts for new changes in the development of the entire banking system of the country, which forces other financial institutions to develop and improve actively the quality of financial services. Recent studies also show a gradual increase in customer payments using smartphones, including in the Ukrainian banking market. Activation of other non-banking methods of obtaining financial services provided by financial institutions, individual innovative companies, FinTech institutions, encourages banks to increase constantly their own level of innovation, change the model of functioning. Information innovations and new ways of the interaction with customers are already changing all traditional areas of economic development of the enterprise, including banking institutions: marketing, management, analysis, and engineering. Such trends will continue in the future, and, consequently, the popularity of ebanking will continue to grow. Современные информационные технологии уже пронизывают большую часть сфер жизнедеятельности человека, особенно быстро развиваются в финансовой системе, в частности, в банковском секторе. На сегодня банковские учреждения заинтересованы в инвестировании собственных средств в разработку передовых финансовых технологий, к числу которых можно отнести и электронный банкинг (e-banking), с целью сохранения своей доли на рынке и обеспечения конкурентоспособности. В статье раскрыта сущность понятия «электронный банкинг» и его форм, выявлено состояние и перспективы развития электронного банкинга в европейских странах и в Украине. Сучасні інформаційні технології вже пронизують більшу частину сфер життєдіяльності людини, особливо швидко розвиваються у фінансовій системі, зокрема, у банківському секторі. Нині банківські установи зацікавлені в інвестуванні власних коштів у розробку передових фінансових технологій, до яких можна віднести й електронний банкінг (e-banking), з метою збереження своєї частки на ринку та забезпечення конкурентоспроможності. У статті розкрито сутність поняття «електронний банкінг» та його форм, виявлено стан та перспективи розвитку електронного банкінгу в європейських країнах та в Україні. |
| Document Type: | Article |
| File Description: | application/pdf |
| Language: | Ukrainian |
| ISSN: | 2411-5215 |
| Access URL: | http://ppeu.stu.cn.ua/article/view/184232 |
| Rights: | CC BY NC |
| Accession Number: | edsair.scientific.p..d4dbcfe8a3c8f6a1e530f9c81fdcb46e |
| Database: | OpenAIRE |
| ISSN: | 24115215 |
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