Abstract
The object of research is banking information technology (IT). One of the most problematic issues is the low efficiency of using hardware resources and, as a result, high costs and time spent on maintaining and developing banking information systems (IS). The use of cloud technologies, especially with the use of the public cloud deployment model, can greatly enhance the economic efficiency of banking IT. In addition, there is an increase in the availability, flexibility and scalability of banking IT, as well as the time to market, (TTM). In the course of the study, quantitative and qualitative indicators of the functioning of banking IS were used. An analysis of modern approaches to building a service-oriented architecture of banking IS based on cloud technologies was conducted in scope of the research. The article describes the architectural solution of information technologies for the introduction of automated banking IS taking into account the requirements of the National Bank of Ukraine and European regulators. The analysis of the main banking systems and the expediency of using different models of cloud technologies deployment are analyzed. The result obtained in quantitative parameters of the system load allows to find additional reserves for optimization of time processing of information and increase economic efficiency using the Public cloud. The greatest effect can be achieved by applying this model to the Core Banking System (CBS). In order to comply with the requirements and to take into account restrictions on the placement of client data, the article proposes a mechanism for depersonalization. This ensures the possibility of obtaining the most optimal values of indicators. Compared to similar well-known services, such as virtualization, it benefits because there is no need to purchase, or lease hardware, and the computing power can be scaled in a much wider range.
Highlights
Due to the peculiarities of the activity, regulatory re quirements and construction of business processes, the system universal banks operate with large volumes of data and have integrated information technologies (IT) of the landscape
It is relevant to study the Public Cloud deployment model, because this model allows to obtain the best price offers at the cost of the service, because the data center of the vendors are located in regions with a minimum cost of resources
According to the explanation of the National Bank of Ukraine (NBU), the use of cloud technologies in the activi ties of Ukrainian banking institutions is possible provided that the data is located on servers located on the terri tory of Ukraine
Summary
Due to the peculiarities of the activity, regulatory re quirements and construction of business processes, the system universal banks operate with large volumes of data and have integrated information technologies (IT) of the landscape. The use of cloud technologies can significantly improve the effectiveness of IT in general. How ever, there are significant regulatory restrictions on the movement of data into the clouds. The study will justify the possibility of obtaining these advantages of cloud tech nologies without violating regulatory requirements. It is relevant to study the Public Cloud deployment model, because this model allows to obtain the best price offers at the cost of the service, because the data center of the vendors are located in regions with a minimum cost of resources
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