Современные банковские продукты: анализ тенденций развития в России и за рубежом

Abstract

The development of new digital technologies and their active application has an impact on the relationship of credit institutions with customers in the field of availability of products and methods of services provided. Currently, the activity of banks in creating and releasing products for customers is reaching a new level thanks to the development of technologies and innovations in this area. The research and analysis of the current directions of development in the field of development and formation of modern banking products is carried out. The object of the study is the variety of products of commercial banks, the subject of the study is the global trends of their development. Purpose of the work: analysis of trends in the development of modern and innovative banking products in Russia and abroad. Based on the purpose of the work, the main types of banking innovation processes in the world were identified, such as a banking product in new market segments, innovations such as the development of activities in new areas of the financial market, modified financial intermediation services aimed at effective asset and liability management, new methods of cash management and the use of new information technologies, new products in traditional segments of loan capital. The line of common banking products considered in the article, as well as the study of products of a new digital and remote format, allowed us to conclude that it is necessary to develop and disseminate the existing classification of banking products. Due to the increasing number of bank product developments, their classification becomes an integral stage in their formation and subsequent release. A number of classification features and distinctions were investigated, which helped to systematize the existing groups of banking products and identify areas for their development. The perspective of the banking sector is the transformation of the bank’s products. There is automation in many banking processes and, as a result, there are modernized products and services of the bank, which have not been considered in the theoretical aspect earlier in scientific and practical works and publications.