ІНТЕРНЕТ-ТЕХНОЛОГІЇ: ЇХ РОЛЬ ТА МІСЦЕ У РОЗВИТКУ СИСТЕМИ БАНКІВСЬКИХ ПОСЛУГ

Abstract

The article examines the role of Internet technologies and their implementation in the modern banking system. Modern information technologies have achieved remarkable development, and, of course, the banking sector is no exception. After all, with the help of the Internet, you can perform most operations from home, being anywhere in the world and spending a minimum of time. Various information technologies began to have a significant impact on the profitability of banks and make them more competitive in the market of banking services, creating an attraction for customers. The system of remote banking services is quite convenient for customers and banks. Therefore, the article examines what factors and advantages of using remote technology for each category. Internet banking technology is taken as the basis in the article, which provides the bank with services for monitoring, account management, and banking operations through the Internet, and the list of operations that can be carried out with its help is also characterized. Analysed which services are most popular in remote banking in Ukraine in 2019–2020. From this research, conclusions are made that plastic cards occupy the largest share. Internet banking also occupies a large part of the market, because it is a versatile tool to increase funds raised and expand the customer base of banks. It is considered one of the most dynamic sectors of e-commerce, as its capabilities are constantly increasing and improving. The research on the use of payment cards has been conducted and the distribution of non-cash transactions by amount and quantity in the first half of 2021 has been analysed. And also the share of non-cash transactions in relation to cash by amount and quantity in 2017–2021 was analysed. On this basis, the benefits of the effective use of Internet technologies for consumers and banks are identified. The use of information technology allows banks to automate their activities and expand services and the customer base in different regions. Nevertheless, there remains a significant part of the distrust of this technology among the population in Ukraine. Therefore, the article considers what reasons impede and hinder the development of Internet banking in Ukraine based on the current economic situation.