TRENDS OF DEVELOPING ECONOMIC RELATIONS OF COMMERCIAL BANKS AND BUSINESS SECTOR IN CONTEXT OF DIGITAL ECONOMY

Abstract

Background: the article describes the prospects of the digitalization of the domestic economy on the annual growth of domestic GDP, substantiates the importance of studying economic relations between credit organizations and organizations of the business sector in the context of the transition to the digital economy as economic entities that can make a significant contribution to increasing GDP. Research methods: systemic, structural and comparative methods of analysis, methods of scientific abstraction, as well as specialized methods of expert assessments, graphing. Results of the study: 12 trends in the transformation of economic relations of credit organizations and organizations of the business sector in the digital economy were highlighted, which made it possible to clarify alternative options for their integration into the digital environment. Discussion: alternative opportunities for the development of economic relations of credit organizations and organizations of the business sector in the digital economy are highlighted: the Internet is the main communication channel between credit organizations and organizations of the business sector; use of remote banking services by organizations of the business sector that have bank accounts; digital transformation of the banking sector, the creation of new banking products; an increase in the share of digital interaction between business sector organizations and credit organizations, including electronic payments. Conclusion: a comparative description of the level of penetration of digital technologies in the banking sector and the business sector is presented, a key factor for the development of economic relations between them is formulated.

Keywords

• цифровая экономика
• цифровые технологии
• кредитные организации
• предпринимательский сектор
• экономические отношения