The main trends of digitalization banking environment during the COVID-19 pandemic
Abstract
Importance: the relevance of the article is due to the fact that the digital economy in modern conditions has acquired enormous importance, affecting many aspects of public life, including such an important component as the banking sector, which in turn in Russia systematically increases the number of plastic and virtual cards per capita. Purpose: to reveal and promote the trend of digitalization of the banking environment during the COVID-19 pandemic. Research design: this process is one of the key indicators determining the development of the banking business as a whole. The rapid development of the Internet banking system in Russia is due to the growth of new users. Remote banking is the least expensive and most effective way to enter the most inaccessible markets, which is explained by the reduction in the cost of the transaction transmitted through electronic channels. If earlier Internet banking was considered from the position of a money transfer service between companies, now this technology is being transformed into a comprehensive way of online cooperation between the bank and the client. At the same time, it is worth noting that electronic money turnover has reached such coverage of the population and spheres of interaction in the Russian Federation that digitalization of the banking environment is an essential component of proper economic development. In addition, the banking sector is very sensitive to various innovations in digital technologies. Results: the widespread spread of COVID-19 has switched the work of banks to remote mode, thereby setting a trend for improving and expanding digital products. Also, restrictive measures related to the coronavirus pandemic have significantly stimulated remote and contactless payment methods. Therefore, the key task of this article is to determine the prospects for the further development of remote banking services in our country.
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References
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