student
Russian Federation
student
Russian Federation
Russian Federation
The article discusses issues related to the implementation of innovative and information technologies in the process of functioning of banking institutions. The analysis of the main directions of the using of the modern technologies is outlined; their advantages and main problems arising from the application of innovations in the processes of providing banking services and operations are revealed. The authors explore the possibilities and prospects for the use of intellectual property in the banking sector in the context of increasing competition between financial market participants and the need for Russia’s transition to a digital economy. In preparing the article, methods of analysis, synthesis, deduction and induction, methods of graphical analysis were applied. The methodological basis was the works of domestic economists and specialists in the field of information technology, materials of periodicals, websites and legislation. Based on the study, the main areas of use of the results of intellectual activity in the banking sector were identified. The directions of introduction of innovative financial technologies in the process of providing banking services are indicated, which will allow banks to overcome competition with other participants of the financial market and increase their efficiency, as well as accelerate the transition of Russia to the digital economy.
intellectual property, information technologies, innovations, financial technologies, banking information systems, automation, digital economy, technological product
1. Lashina M.V., Solov'ev T.G. Informacionnye sistemy i tekhnologii v ekonomike i marketinge: uchebnik. - M.: KnoRus, 2017. - S. 304 .
2. Ivasenko A.G., Gridasov A.Yu., Pavlenko V.A. Informacionnye tekhnologii v ekonomike i upravlenii : uchebnoe posobie. - M.: KnoRus. - 2017. - S. 154.
3. Osipovskaya A.V., Mihajlin A.V. Razvitie finansovyh tekhnologij v sfere bankovskih uslug: osnovnye napravleniya // Molodoj uchenyj. - 2017. - № 26.
4. Maslennikov V.V., Fedotova M.A., Sorokin A.N. Novye finansovye tekhnologii menyayut nash mir // Finansy: Teoriya i Praktika. - 2017. - №2.
5. Kaledina A. Sberbank opoznaet klientov po golosu // Gazeta «Izvestiya». 2016. - URL: iz.ru/news/615407
6. Bank Rossii predstavil uchastnikam AFT koncepciyu po sozdaniyu «Regulyativnoj pesochnicy» // Oficial'nyj sajt Banka Rossii. Razdel \"Novosti\". 2017. - URL: www.cbr.ru/Press/event/?id=1544
7. VShE: Uroven' finansovoj gramotnosti rossiyan menyaetsya, no likbez nuzhen // Informacionnyj portal Rosbalt. 2017 - URL: http://www.rosbalt.ru/business/2017/05/24/1617633.html
8. Decentralizovannaya set' obmena i hraneniya informacii «Masterchejn» // Portal vybora tekhnologij i postavshchikov TAdviser. 2017 - URL: www.tadviser.ru/images/a/ad/Masterchain_whitepaper_11_08.pdf
9. Osnovnye napravleniya razvitiya finansovyh tehnologiy na period 2018-2020 godov // Oficial'nyy sayt Banka Rossii. - URL: www.cbr.ru/Content/Document/File/35816/ON_FinTex_2017.pdf
10. Proekt Federal'nogo Zakona «O cifrovyh finansovyh aktivah» // Oficial'nyy sayt Banka Rossii. - URL: www.cbr.ru/analytics/standart_acts/others/20180125_01.pdf.
11. Pyat' glavnyh tendenciy bankovskih tehnologiy v 2018 godu // Informacionno-analiticheskiy zhurnal "Plas". 2017 - URL: www.plusworld.ru/daily/cat-analytics/5-tendentsij-v-bankovskih-tehnologiyah-v-2018-godu-2/
12. Osnovnye napravleniya razvitiya finansovyh tekhnologij na period 2018-2020 godov // Oficial'nyj sajt Banka Rossii. - URL: www.cbr.ru/Content/Document/File/35816/ON_FinTex_2017.pdf
13. Proekt Federal'nogo Zakona «O cifrovyh finansovyh aktivah» // Oficial'nyj sajt Banka Rossii. - URL: www.cbr.ru/analytics/standart_acts/others/20180125_01.pdf.
14. Pyat' glavnyh tendencij bankovskih tekhnologij v 2018 godu // Informacionno-analiticheskij zhurnal \"Plas\". 2017 - URL: www.plusworld.ru/daily/cat-analytics/5-tendentsij-v-bankovskih-tehnologiyah-v-2018-godu-2/
