ІНТЕРНЕТ-БАНКІНГ У СУЧАСНОМУ СВІТІ

Abstract

The article considers the trends of banks' transition to online customer service systems and statistics of Internet banking users.The introduction of Internet technologies in the banking sector since the mid-90's has transformed the traditional banking system, changed the structure of banking markets and even the very essence of the bank.During the COVID-19 pandemic, the bank's resources were limited. Employees are overwhelmed with requests from customers, which increases waiting times. To optimize the work, banks can resort to intelligent automation of some processes and use the Internet banking service. After the coronavirus pandemic, which helped change the behavior of banking users, most of them understood the benefits of the Internet and mobile banking. 57% of customers prefer Internet banking after lockdown, because it saves them time, but the digital banking system is also profitable for banks, because when serving customers through Internet banking, the bank has lower costs: no need to pay rent for the premises, there is no need to maintain a large number of employees through the automation of services provided ...Internet banking systems are indispensable for tracking transactions with plastic cards – any withdrawal of funds from a card account is promptly reflected in account statements prepared by the systems, which also contributes to increased control by the client over their operations. In general, the world tends to increase the number of banks with Internet banking, most customers in European countries use this system due to its benefits. The introduction of digital banking is a necessity in modern the world because today Internet banking is one of the most progressive services.Neobanks benefit from traditional banks not only in terms of service quality, but also in other parameters. For example, the average cost of attracting one client for them is $ 1 – $ 38, and for traditional banks – is about $ 200. The cost-effectiveness ratio of traditional banks is 50–60%, but the new generation of banks is catching up with them with a rate of 46%. In digital banking is important to reduce the likelihood of errors in the processing of banking information and increasing the level of secrecy. The quality of this work often creates a position for the bank in the market. A virtual bank can serve a client located anywhere in the world. In the virtual space, the specific features that distinguish banking services from physical goods practically disappear. The nature of the banking services themselves and the factors that ensure their competitiveness in the market are changing.