Abstract
The article considers the experience of digital transformation of banking services in foreign countries from the point of view of its application in Russian practice. The study was conducted by analytical, economic and statistical methods on the basis of legislative regulations and economic reports. New types of operations arising on the basis of rapidly developing information technologies are considered and classified. It is shown that in different countries the pace of launching quick payment systems and other innovative means of customer service, as well as the conditions for their functioning, are determined by the goals and objectives, therefore, users are offered different functionality. The practice of developing mobile banks abroad is heterogeneous. Based on the experience of leading countries in this field, Russian banks independently implement and develop innovative payment technologies. The audience of domestic mobile banks in Russia is growing steadily. The main calculation, as in foreign countries, is done on an active, self-educated, open to creative contact user who is able not only to respond, but also to generate new conditions for interaction. The expansion of international banking cooperation and the standardization of approaches in the field of mobile payments will inevitably lead to the fact that mobile devices, replacing cash and reducing the share of bank cards, will play a leading role in making payments, as they provide a combination of flexibility and accessibility.
Highlights
The article considers the experience of digital transformation of banking services in foreign countries from the point of view of its application in Russian practice
The expansion of international banking cooperation and the standardization of approaches in the field of mobile payments will inevitably lead to the fact that mobile devices, replacing cash and reducing the share of bank cards, will play a leading role in making payments, as they provide a combination of flexibility and accessibility
По используемым мобильным приложениям
Summary
PC-banking (ПК-банкинг или система «Клиент – Банк») – предполагает установку специального программного обеспечения на персональный компьютер клиента. Однако подходы традиционных банков к развитию своих мобильных приложений, как правило, сводятся к простому расширению функциональности вокруг существующих банковских продуктов без принципиального переосмысления пользовательских сценариев и контекста использования мобильного банка. С помощью СБП осуществляются переводы между физическими лицами по их счетам, а также производятся платежи в пользу юридических лиц (за товары или услуги, в том числе на основе QR-кодов). В мобильном приложении банка выбирается функция перевода через СБП, вводится телефон получателя, указывается банк (при необходимости – и счет) получателя, сумма перевода. C2c push – финансовая операция по переводу денег между физическими лицами по номеру телефона получателя, а в некоторых случаях – банка получателя если получатель не установил банк по умолчанию, в который такие платежи должны поступать. − me2me push – упрощенный вариант предыдущей операции, перевод между собственными счетами физического лица, который осуществляется с указанием номера телефона и банка получателя. Где наиболее успешно внедрены системы быстрых платежей, указаны в табл. 1
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