Взгляд на взаимодействие традиционных и цифровых инструментов банковского обслуживания

Abstract

The article is focused on studying the global trends in banking systems: development of digital banking, displacement of traditional banking - banking of branches (affiliates). Within the framework of this global trend, a hybrid banking service model is noticed to be forming, where traditional and digital banking systems complement each other. The concepts of traditional and digital banking are given a detailed consideration. The element of traditional banking – a “live” dialogue between a client and a bank employee - is a very important aspect for the efficient customer service and banking system on the whole. The models of the banking system of modern Russia, Germany, Switzerland and other countries of continental Europe are largely homogeneous. The interaction of traditional and digital banking instruments develops according to the general principles. There has been analyzed the research of the German economists and bankers. There has been mentioned the successful operation of banks in Switzerland, Germany and other banks using the banking systems of the continental model for building new cooperatives of banking instruments. A special importance is given to another global trend - the creation of financial and banking ecosystems, which today mean the combination of banking and non-banking services in the interests of developing a client-oriented approach. There has been justified the hypothesis of the inevitability of building a hybrid model of traditional and digital banking, its actual implementation into actively developing financial and banking ecosystems.