Современные проблемы организации расчётно-кассового обслуживания юридических лиц коммерческими банками на рынке цифровых финансовых технологий и инноваций

Abstract

At this point, the bank's services of settlement and cash transactions on the orders of legal entities are imperfect. There are problems that need to be solved. Improving the quality of service to enterprises in credit institutions will lead not only to improvement of the legal entity's activities and its loyalty increase, but also to profit increase of the credit institution itself due to larger funds turnover that it can use to carry out active banking operations. Besides, the number of customers will increase who will conclude banking agreement, and will accordingly bring additional funds. The immediate purpose of the activity of any credit institution is to make a profit, after all. The purpose of the study is to identify modern problems of settlement and cash servicing of legal entities by commercial banks in the market of digital financial technologies and innovations. Materials and methods used are: statistical data analysis, questionnaires and surveys, expert interviews, literature review, comparative analysis, use of analytical tools, and collection of user experience data. As a result, modern problems of settlement and cash services of legal entities by commercial banks in the market of digital financial technologies and innovations were identified. Banking sector evolution and active introduction of digital innovations have positive impact on the economy and the level of customer loyalty, especially enterprises. Thus, modern banking services for legal entities are undergoing fundamental changes, and successful banks are striving to adapt their services and processes on the basis of the latest technologies and customer needs. Banks and legal entities should actively work on innovative solutions, improving cybersecurity, compliance with legislation and adaptation to the changing financial landscape. Understanding and responding to these challenges are the key factors for successful cash and settlement services in the market of digital financial technologies and innovations.