Дистанційне банківське обслуговування: сутність та сучасний стан впровадження на банківському ринку України
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Дата
2021
Автори
Ларіонова, К.Л.
Дячук, Д.І.
Larionova, K.
Diachuk, D.
Назва журналу
Номер ISSN
Назва тому
Видавець
Хмельницький національний університет
Анотація
Розглянуто погляди науковців стосовно трактування поняття “дистанційне банківське обслуговування” та на їх основі
дано власне визначення. Проаналізовано зв’язок між інноваційним розвитком та системою дистанційного обслуговування в
банківських установах, в результаті чого сформовано зміст дефініції «інноваційний розвиток дистанційного банківського
обслуговування». Виділено найбільш популярні, серед користувачів інтернет-банкінгу, послуги. Була розглянута система
BankID від Національного банку України, запровадження якої дало нові можливості для банків у сфері дистанційного
обслуговування. Здійснено аналіз дистанційного банківського обслуговування в Україні за 2018-2020 роки, в результаті якого
виявлена чітка тенденція до посилення його ролі у банківській системі України.
In recent years, the widespread introduction of remote banking technologies has become the main focus of innovation for banks around the world. The rapid introduction of Internet banking and mobile banking systems is due to the development of the banking system under the influence of technological progress and a high level of competition in the field of banking services. Important components of the development strategy of banking institutions of Ukraine are the development and implementation of quality high-tech remote services to dynamically develop the market of banking products and build quality economic relations between banking institutions and their customers in the implementation of remote banking. The use of advanced technologies in service allows banks to minimize their costs, rationally allocate resources, develop a customer service system and improve the quality of services offered. The article considers the views of scholars on the interpretation of the concept of "remote banking" and gives its own definition of this concept. The connection between innovative development and the system of remote service in banking institutions is analyzed, as a result of which the content of the definition of "innovative development of remote banking" is formed. The most popular services among Internet banking users are highlighted. The BankID system from the National Bank of Ukraine was considered, the introduction of which provided new opportunities for banks in the field of remote service. The analysis of remote banking services in Ukraine for 2018-2020 was carried out, as a result of which a clear tendency to strengthen its role in the banking system of Ukraine was revealed. A comparison of Internet banking systems in domestic banks was made, and leaders in this area were identified.
In recent years, the widespread introduction of remote banking technologies has become the main focus of innovation for banks around the world. The rapid introduction of Internet banking and mobile banking systems is due to the development of the banking system under the influence of technological progress and a high level of competition in the field of banking services. Important components of the development strategy of banking institutions of Ukraine are the development and implementation of quality high-tech remote services to dynamically develop the market of banking products and build quality economic relations between banking institutions and their customers in the implementation of remote banking. The use of advanced technologies in service allows banks to minimize their costs, rationally allocate resources, develop a customer service system and improve the quality of services offered. The article considers the views of scholars on the interpretation of the concept of "remote banking" and gives its own definition of this concept. The connection between innovative development and the system of remote service in banking institutions is analyzed, as a result of which the content of the definition of "innovative development of remote banking" is formed. The most popular services among Internet banking users are highlighted. The BankID system from the National Bank of Ukraine was considered, the introduction of which provided new opportunities for banks in the field of remote service. The analysis of remote banking services in Ukraine for 2018-2020 was carried out, as a result of which a clear tendency to strengthen its role in the banking system of Ukraine was revealed. A comparison of Internet banking systems in domestic banks was made, and leaders in this area were identified.
Опис
Ключові слова
дистанційне банківське обслуговування, банківські інновації, Інтернет-банкінг, безготівкові розрахунки
Бібліографічний опис
Ларіонова К. Л. Дистанційне банківське обслуговування: сутність та сучасний стан впровадження на банківському ринку України / К. Л. Ларіонова, Д. І. Дячук
// Вісник Хмельницького національного університету. Економічні науки. – 2021. – № 6, т. 1. – С. 280-287.