СУЧАСНІ ТЕНДЕНЦІЇ РОЗВИТКУ БАНКІВСЬКИХ ІННОВАЦІЙ У СВІТІ

Abstract

This work focuses on the fact that the rapid development and spread of new information and communication technologies has led to radical changes in the information sphere at the global level, which has a significant impact both on financial markets as a whole and on various sectors in which banks play an important role as financial intermediaries. It is noted that modern banks operate in conditions of rapid and irreversible changes in technology, competition in the market for banking services, the growth of non-banking organizations, changes in customer behavior and regulatory changes. This work analyzes the strategy of building the e-Stonia information society, the main principles of its functioning and the main components. Some characteristics of innovations introduced into the banking environment are determined. The most common types of innovative banking products are presented. The process of digitalization of relations between banks and other financial market participants is analyzed. It is noted that the interest in the banking system in the conditions of the digital economy is due to the need to solve a number of specific issues outlined in this article. The main changes in the functioning of the banking system as a result of the digitalization of the economy are analyzed. The need for further research into the security of banking operations is emphasized, taking into account the instability of world financial markets, technical progress and the potential of financial crises.. The article defines the classification of threats that pose risks to banking security in two directions. A list of conditions guaranteeing the financial security of banks is also given, and the principles reflecting the process of ensuring financial security in the banking sector are detailed. The main components that make up the bank's financial security have been determined. It was established that the factors affecting the financial security of banks lead to the loss of the bank's resource base (capital, labor resources and client base), lack of access to digital technologies and the full functioning of the financial institution. It is believed that the direct impact of digitalization on economic growth is related to the level of its innovativeness.