Development of Modern Forms and Technologies of Banking ServicesAbramyan Susanna, Gazizulina Irina
The article reveals the problem of effective interaction of bank employees with customers, as well as the technological and innovative component of these relations. Currently, banks are focusing on the needs of the client and their satisfaction, on expanding the customer base and market share, which push the increase in profits into the background. It is this fact that forces credit institutions to invest in new projects to serve customers, while not causing inconvenience in the provision of services. The authors consider the possibility of improving existing forms of banking services by introducing new technologies and using biometrics technologies, which significantly reduce the time spent by client managers on departure and costs. To implement projects, the bank needs to attract partners in the face of IT companies and developers, as well as invest in the development of biometric technologies. The interaction of client managers of large, medium and small businesses, other clients – legal entities and individual entrepreneurs was chosen as the object of the study.
The article analyzes the main forms of banking services and presents the classification of the remote form. The authors analyze the number of accounts with remote access for the period 2015-2020. Using the formula of the total cost of service, the authors reveal the effectiveness of the introduction of remote technologies by banks over the traditional form of service. The article also highlights focusing of modern banks on offering ecosystem products to customers, and analyzes the profitability of these activities. Based on the report on financial results, calculations were made and a forecast of the profitability of the implemented project was made using indicators of the present net income and the rate of return. Statistical data from the official websites of banks and the Federal State Statistics Service, as well as articles, other information materials of printed publications and Internet resources were used as an information base. In the course of the research, the authors used methods of statistical and comparative analysis, and gave a list of relevant sources.