Abstract
Technological development, especially in the field of information and communication technologies, are changing the banking business. The implementation of innovative information and communication technologies for customer service in the banking sector allows banks to increase the number of customers and reduce their costs. The study of indicators that characterize changes in bank costs and customer number, their trends and seasonal or cyclical changes, will predict the development of the banking sector and the introduction of modern technologies in their activities, which, in turn, reduce the impact of inefficient management and investment decisions when implementing the latest technologies in their activities. The purpose of the study is to identify the trend and cyclical changes in the values of banking indicators and their relationship with the implementation of innovative technologies by banks. This paper has analyzed the indicators of general administrative expenses and commission income of Ukrainian banks for the period from January 2009 to December 2020, as these indicators indirectly characterize the implementation and use of innovative technologies by banks. This paper constructs indicators change models of general administrative expenses and commission incomes which include trend and cyclical components. The models' accuracy is within 10%. The analysis of indicators' cyclicity was performed by methods of harmonic analysis using the package PTC Mathcad 6.0. Both indicators show an increasing trend. The identified periods of fluctuations in the components of the total administrative expenses are 3, 4 and 72 months. The identified periods of fluctuations in the components of the commission income are 14.4, 28.8 and 72 months. The paper has made the forecast of indicators of general administrative expenses and commission incomes for 2021. The results of this study can be considered at planning and forecasting of development of banking system of Ukraine and influence of innovative technologies on this development.
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