INNOVATIVE TECHNOLOGIES IN BANKING: REALITIES AND PROSPECTS OF DEVELOPMENT

Author:

Ruslan Lavrov, Chernihiv National University of Technology (95 Shevchenka Str., Chernihiv, Ukraine).

Iryna Sadchykova, Chernihiv National University of Technology (95 Shevchenka Str., Chernihiv, Ukraine).

Seredyuk Iryna, Chernihiv National University of Technology (95 Shevchenka Str., Chernihiv, Ukraine).

Language: ukrainian

Annotation:

The role of modern innovations in the system of electronic banking payments as an important factor in ensuring the competitiveness and stability of the development of Ukrainian banks was investigated in this article. The content of the concept of “innovation” was revealed and the views of scientists regarding the interconnection of categories “innovation” and “novelty” were covered. The main focus was paid to innovative technologies used in banking worldwide and systematization of banking and financial technologies produced in Ukraine to foreign customers was carried. The analysis of the average monthly growth of digital users in the most influential financial institutions in the world and expenditures on information and communication technologies of retail banks was made. As a result, the dynamics of the impact of banking innovative technologies on transactions using electronic payment means and the distribution of non-cash transactions with payment cards in Ukraine were outlined.

Key words:

innovation; novelty; banking institutions; innovative banking technologies; electronic payments

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