Реєстраційний номер
2124U000196, Матеріали видань та локальних репозитаріїв
Категорія
Стаття
Назва роботи
Digital transformation of banking activities as a component of smart world
Автор
Похилько Світлана Василівна
Pokhylko Svitlana Vasylivna
Приходько Анна Юріївна
Prykhodko Anna Yuriivna
Золотар О.А.
Pokhylko Svitlana Vasylivna
Pokhylko Svitlana Vasylivna
Prykhodko Anna Yuriivna
Prykhodko Anna Yuriivna
Zolotar O.A.
Дата публікації
01-01-2024
Постачальник інформації
Сумський державний університет
Першоджерело
https://essuir.sumdu.edu.ua/handle/123456789/99002
Видання
Національний університет «Одеська політехніка»
Опис
The aim of the article. The purpose of the article is to investigate the concept of "digital
transformation all over the World and its implementation in Ukraine banking as well as the growing
popularity of cashless transactions.
Analyses results. We studied domestic and foreign views regarding the concept of "digital
transformation" as a process of introducing digital technologies into banks' activities to improve their
performance. The article described standard services and services provided in digital format, which
customers use on a daily basis. The next task was to study the state of banking activity in terms of digital
transformation/ The results showed how popular cashless transactions have become in Ukraine in
recent years, in particular for payment card use. The study evaluates the standard bank services to
investigate the increase in their efficiency due to the use of Internet banking. Conducting non-cash
operations with payment cards resulted in the growth of the bank's assets. Improving the conditions for
the digital transaction will contribute in the increase of the bank's financial results. The results showed
that the majority of banks are actively implementing digital technologies in Ukraine now, although some
banks have significant mistakes or hardships, for example, the functioning of their mobile applications.
Bank clients might face frequent system failures and the inability to access online banking in general.
Conclusions and directions for further research. The article considers possible prospects and
problems that may arise during the introduction of new digital technologies. The biggest problem for
banks today is an insufficiently developed legal framework that regulates and controls the process of
digital transformation of the banking sector. As a result, this leads to a negative but inevitable aspect of the digital functioning of society - fraud. In recent years, the problem of cyber security, which arose
precisely because of the introduction of new digital products and services, has been growing. But in
general, all these problems could and should be solved today. Therefore, the development of digital
technologies has an extraordinary impact on the banking system of Ukraine, which forces banks to
rapidly develop and implement new products and processes in their banking.
Додано/оновлено в НРАТ
2026-04-02
