Ideas and Ideals

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.

The article contains materials on the periodization of the application and development of project and process management in the banking sector of the Russian Federation in 2008–2021. Based on modern ideas about the economic (financial) crisis as a factor in stimulating innovation, including the banking sector, the author examines the consequences of the 2008–2009 and 2014–2015 crises and the corona crisis 2020-2021 as one of the answers to them - the introduction of project and process approaches by banks to improve banking processes. The author reveals the impact of the crisis (2008–2009) on the development and implementation by the largest banks of innovative technologies based on lean manufacturing approaches (Lean), the creation of their own production systems, as well as brief conclusions on the results of the application of lean management. The impact of the crisis of 2014–2015 is considered to stimulate innovation of commercial banks using the innovative Agile project approach, an innovative process approach based on the BPM (Business Process Management) model and other similar models. Process management and time-to-market reduction using the Agile approach are of particular relevance in the context of declining margins of the banking business and/or focusing on the best customer experience of leading Russian banks. Particular attention is paid to the innovations of 2020–2021, focused on the implementation of the ecosystem approach in the banking sector. The financial crisis caused by the coronavirus pandemic (corona crisis) has greatly accelerated the social, economic and geopolitical processes taking place in the world, and it will be easier for those organizations that have wide product and service lines and create ecosystems that form a seamless customer experience. Project and process management discussed in the article are used in most of the largest Russian banks and their ecosystems at the present time.

The article is devoted to the study of the institution of rehabilitation of credit institutions in Russia, its current problems and prospects for further development. The author examines the influence of the institution of reorganization on the stability of the country’s banking system. The object of research in the article is the Institute of Reorganization of Credit Institutions in Russia. The subject of the study is an assessment of the current state of the domestic institute of rehabilitation of credit institutions. The theoretical and methodological basis of this article is the normative legal acts of the Russian Federation, the normative acts of the Bank of Russia, scientific publications and studies of Russian scientists devoted to the study of this issue. Statistical materials of the Federal State Statistics Service, the Bank of Russia, as well as other information materials posted on the Internet were used as an information base. The study is based on methods of statistical analysis, a review of literature, regulations and other information sources concerning the rehabilitation of credit institutions, and covers 1990-2021.

The definition of rehabilitation of credit institutions is formulated. The main stages of the development of the institution of rehabilitation of credit institutions are considered: the mechanism of the rehabilitation procedure, the main changes in it at each stage of the institute’s development, its advantages and disadvantages. The ‘credit’ mechanism of bank rehabilitation with the participation of the Deposit Insurance Agency (DIA) and the mechanism with the participation of the Management Company of the Banking Sector Consolidation Fund specially established by the Bank of Russia (LLC “CC FCBS”) are considered in the most detail. Each of these mechanisms has its advantages and disadvantages highlighted. Currently, both of these methods are used in Russia. Based on the analysis of the current state of the institute of rehabilitation and the effectiveness of the rehabilitation of credit institutions, a number of problems are identified: the lack of a single regulatory act regulating the activities of this institute, the high cost of the procedures of rehabilitation, etc. Recommendations for their solution and improvement of the institution of rehabilitation of credit institutions in Russia are given for each identified problem.