Current trends in the innovative technologies of the banking business
https://doi.org/10.28995/2073-6304-2024-1-77-85
Abstract
The paper presents an analysis of the current trends in the development of banking activities and modern practice of innovative technologies application in the banking business. It is defined that nowadays the main consumers of banking services are representatives of the millennial generation, whose behavioral characteristics and preferences should be taken into account in practice. Authors show how innovative financial technologies influence the methods and approaches in the work of national banking organizations. Modern financial innovations are considered, which are gradually being tested, implemented and offered to clients by various Russian banks. It is emphasized that digital mortgage is one of the most popular banking products and the possibility of its digital registration has a beneficial effect on the development of that area in banking. Among the potential vectors for further development, an omnichannel approach to interaction with clients is highlighted. It aims to increase the efficiency of communication policy, service speed and the best possible satisfaction of the needs of users of financial products.
About the Authors
E. N. Pyatsheva
Russian State University for the Humanities
Russian Federation
Russian Federation
Elena N. Pyatsheva, Cand. of Sci. (Sociology), associate professor
bld. 6, Miusskaya Square, Moscow, 125047
A. F. Orlova
JSC NPO Technomash named after S.A. Afanasyev
Russian Federation
Russian Federation
Anzhelika F. Orlova, Cand. of Sci. (Economics), associate professor
bldg. 1, bld. 40, 3rd passage of Mar’ina Roshcha, Moscow, 127018
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Review
For citations:
Pyatsheva E.N., Orlova A.F. Current trends in the innovative technologies of the banking business. RSUH/RGGU BULLETIN. Series Economics. Management. Law. 2024;(1):77-85. (In Russ.) https://doi.org/10.28995/2073-6304-2024-1-77-85
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