Abstract
The article presents the process of entering ICT and digital innovations in modern banking. Statistics on the use of public clouds by various companies are cited. Types of regulations in European Union on the entry of cloud services in the banking sector are considered. The requirements of the EU Payment Service Directives are analysed. New banking functions and open banking are described. Existing models of open banking and the interaction between large digital companies and large money providers are discussed. Keywords: Cloud, fintech, ICT, open banking.
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