Фінансово-кредитні системи: перспективи розвитку. (Dec 2022)
DEVELOPMENT OF THE REMOTE BANKING SYSTEM
Abstract
In the context of innovative development of the national economy, globalization and integration of financial markets, an increase in the share of non-cash payments made using electronic payment instruments, expansion of banking service channels and transition to remote banking services (RBS) is a priority vector for the development of the payment system and the banking sector of Ukraine. Today, the economy is undergoing processes of information and financial transformation. The banking sector is most susceptible to the impact of such processes, as banks, being financial intermediaries and possessing significant material resources, are actively implementing modern financial technologies in their operations, bringing innovative financial products to the market, and transferring their operations from offices to online banking. Along with the resulting benefits for banks and their customers, this transformation is becoming one of the reasons for the growth of information risks in banking. The relevance of the topic is related to the existence of problems and imperfections in the system of remote banking services in Ukrainian banks. That is why the paper considers the essence and main features of remote banking services at the current stage of development of the banking system of Ukraine. The author analyzes the set of banking services through which bank customers can remotely perform various financial transactions. The article studies remote banking services in the United States of America, which is a leader in this area, in the countries of the European Union, as well as in modern Ukraine. The main types of remote banking are analyzed. The main types of risks are identified. The factors that hinder the development of remote banking in Ukraine and potential ways to overcome them are identified. Every year, banks strive to improve and simplify their mobile phone applications, thereby attracting more and more customers. After all, it was the complexity and distrust of Internet banking that prevented this technology from spreading properly in Ukraine. The results of the study can be used in the analysis and development of mobile applications for banks.
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