Abstract
Successful operation of modern banking institutions significantly depends on the use of the latest information and communication technologies in process management, from motivation and communication with staff, to remote control of banking operations. Purpose of scientific research is a study of the principles and features of banking automated information system in terms of implementation of the latest information and cloud technologies by banking institutions. The object of scientific research is banking automated information system of banking institutions. The result of the article: research proved that the creation and selection of banking automated information system of banking institution is based on the planning of all systems related to the functioning of the complete infrastructure of the bank, built on information technology; the causes and consequences of various risk situations by channels of their occurrence (information Web-site, e-mail, network systems, system failures, electronic payment systems and data transmission systems, electronic channel) in the banking sector as a result of using a bank automated information system are substantiated; key areas of banking automated information system and the elements of the system of risk situations that arise in the banking sector as a result of the use of banking automated information system are described; main requirements for information support of banking institution and the main criteria for choosing banking automated information system of a banking institution are identified. Practical implications: priority ways of overcoming the risks of introduction of banking automated information system are offered, taking into account the scope and spread of risks. At the same time, the methods of providing cloud services used by banking institutions were evaluated. Value/originality: the introduction of a banking automated information system of a banking institution today is impossible without the use of cloud technologies (infrastructure as a service – IaaS, software as a service – SaaS, platform as a service – PaaS), each of which has a number of strengths and weaknesses.
Highlights
The issue of information processing in banking structures today, in the context of digitalization and automation of most business procedures and operations, is becoming increasingly relevant
Banking automated information systems (BAIS) is a single software and technology complex, which is a means of improving the efficiency of banking services, return and balance of resources subject to control under the specified conditions of financing and lending
An integrated BAIS is designed to solve the whole set of banking problems comprehensively, reflecting the complexity of their relationships
Summary
The issue of information processing in banking structures today, in the context of digitalization and automation of most business procedures and operations, is becoming increasingly relevant. The widespread use of modern digital technologies in daily practice of banking institutions has long been a reality. Their successful operation depends on the use of information technology in process management, ranging from motivation and communication with staff to remote control of banking operations. The activities of banking institutions are always associated with information, which is the subject and product of their work. In them automation of main production is reduced to automation of operations of processing of corresponding documents and information. The use of banking information systems reduces the cost of servicing real-time banking operations, which improves the quality of operational, tactical and strategic financial decisions
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