Abstract
The article examines the practice of providing financial services in the conditions of security electronic business and outlines the preconditions for the transformation of financial services using various forms of electronic banking. The phases of development of Internet banking and use of mobile banking are considered. The international practice of electronic banking on the example of Poland with a detailed analysis of clients and the characteristics of the leading Polish banks is analyzed. The market of domestic Internet banking services is characterized and the main problems that hinder its development in modern conditions are revealed. The advantages and disadvantages of the wide dissemination of Internet technologies in Ukraine are formulated. Almost all banks that occupy leading positions in the market of banking services offer e-banking services, as it enables clients, without attending a branch of banks, to carry out a wide range of banking operations: to manage the volume of resources on their own account; exchange currency; make payments and transfers; pay for services of mobile communication, Internet, utilities, taxes, fines. The introduction of innovative forms of remote-servicing expands the profile of traditional risks and creates new sources of their occurrence. Therefore, the process of identifying security risks in the use of electronic banking, assessments and risk minimization techniques is a prospect for further research.
Highlights
Today, in conditions of hard competition, the quality of the bank is determined by the level of development of innovative technologies and ideas that greatly simplify the process of interaction between customers and the bank
The article proposes the basic factors for further development of Internet banking in Ukraine which will attract much more clients; increase speed and quality of service of client’s cashless payments; develop functionality and services convenient and affordable for the clients; increase the safety of banking in general. (Shevchuk T., 2015)
As a result of the study, it was found that the forms of electronic banking have undergone certain stages, which resulted in the emergence of effective and convenient tools that correlate with the advanced achievements in information technology
Summary
In conditions of hard competition, the quality of the bank is determined by the level of development of innovative technologies and ideas that greatly simplify the process of interaction between customers and the bank. Electronic banking is widespread in America and Europe in today's conditions is in demand in the Ukrainian market. In order to remain in the market, banks need to increase their competitiveness, for example, through the introduction of new services, the development of modern technology in order to meet the needs of customers. Remote service today serves as a modern tool in banking, which has mobility, and high functionality, availability and security. The perspective of remote banking services requires a deeper theoretical study and practical aspects of its implementation, which indicates the relevance of this topic
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