数字经济条件下银行业务模式的转型

Yulia B. Bubnova
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引用次数: 9

摘要

信息技术、人工智能渗透到银行业,使其更具移动性和灵活性。客户的需求和偏好,提供金融服务的方式正在发生变化。以新的、现代的形式提供传统银行产品的it公司正在进入金融服务市场。银行必须投入大量资金发展银行创新,以保持需求。所有这些都要求银行不仅要改变提供服务和与客户沟通的方式,还要对业务流程、管理方法和途径、企业文化进行定性重组。本文考察了数字技术影响下银行管理系统的主要组成部分:客户群体、操作流程和业务模式的变化。它特别关注改变现有银行业务模式的需要。总结了根据数字经济的要求对银行业务进行转型的主要金融技术。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Transformation of Bank's Business Model in Terms of Digital Economy
Information technology, artificial intelligence penetrate into the banking sector, making it more mobile and flexible. Needs and preferences of customers, ways of providing financial services are changing. IT-companies that offer traditional banking products in a new, present day’s format are entering the financial services market. Banks have to invest huge amounts of money in developing banking innovations in order to remain in demand. All this requires banks to change not only the ways of providing their services and communication with customers, but also the qualitative restructuring of operational processes, methods and approaches to their management, corporate culture. The article examines the changes in the main components of the banking management system under the influence of digital technologies: the customer segment, the operating processes and the business model. It pays particular attention to the need of changing the existing banking business mode. It summarizes the main financial technologies that allow to transform banking business in accordance with the requirements of the digital economy.
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