WAYS OF USING DIGITAL TECHNOLOGIES IN BANKING ACTIVITIES
Keywords:
Banking, banking technology, information technology, mobile bankingAbstract
This article covers digital banking technologies and their composition and elements. The scientific views of foreign and domestic scientists on banking technologies have been thoroughly studied, analyzed and author's opinions have been expressed. It also presents the banking technologies used today in the world's banks and reveals their unique features and advantages. In addition, scientifically based proposals have been developed for the effective use of banking technologies and further increase their efficiency
References
These components work together to provide digital banking services it works. Each component is the main factor in the systematic functioning of banking activities is important.
CONCLUSION
Based on the research, effective use of banking technologies and it is necessary to take into account the following in order to improve their efficiency will be compatible with:
further increasing the popularity of banking services, provided digitally innovative digital in order to expand the quality and scope of services address of the central bank on the involvement of technologies in the banking system program development;
according to the level of banks' use of innovative technologies The association carries out separate rating and promotion work by the bank increase;
IT companies implementing bank software developing a rating of innovative projects being created by sof formation of competitive environment;
identification of customers in the provision of bank digital services wide use of biometric technologies in practice;
wide involvement of artificial intelligence and robot technologies in the banking system, further increase of transparency in banks and optimization of bank staffs achieve a reduction in bank costs through;
a service with a single application for banking and non-banking services based on banking APIs Integrating platforms to achieve display, multicurrency to the market of banking services of foreign countries through the development of programs penetration etc. In conclusion, it can be said that modern digital information in the banking sector technologies and the use of their software is not only banking provides a competitive advantage in the market of services, but also administrative costs such as reducing, increasing labor productivity, reducing excessive time consumption there are also positive effects. Including analysis of problematic loans and a large number of problem loans based on the automation of work on them allows you to work with it easily and in a short time. For example, repayment terms of principal and interest of loans automatic sending of warning SMS messages, the deletion period has passed automatic and electronic preparation of court documents on problem loans such as sending.
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