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Journal articles on the topic 'Digitalization of banking'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Pawadi, Arati B. "Digitalization in Banking Sector." International Journal of Trend in Scientific Research and Development Special Issue, Special Issue-ICDEBI2018 (2018): 45–47. http://dx.doi.org/10.31142/ijtsrd18668.

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Deshpande, Mrs Bhagyashree N. "Digitalization in Banking Sector." International Journal of Trend in Scientific Research and Development Special Issue, Special Issue-ICDEBI2018 (2018): 80–85. http://dx.doi.org/10.31142/ijtsrd18677.

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Harchekar, Mrs Jyoti Suraj. "Digitalization in Banking Sector." International Journal of Trend in Scientific Research and Development Special Issue, Special Issue-ICDEBI2018 (2018): 103–9. http://dx.doi.org/10.31142/ijtsrd18681.

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Starodubtseva, Elena B., and Roman Yu Kasyanov. "Digitalization at Private Banking." Finances, money, investments, no. 1 (2020): 23–30. http://dx.doi.org/10.36992/2222-0917_2020_1_23.

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Tkachenko, Segii. "DIGITALIZATION OF BANKING MANAGEMENT." Actual Problems of Economics 1, no. 275 (2024): 250–58. https://doi.org/10.32752/1993-6788-2024-1-275-250-258.

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The modern banking sector of Ukraine is experiencing an intensive digitalization period, which has become a significant factor in its further development and competitiveness. The article explores the priorities of digitalization, modern digital technologies and their impact on the banking system of the country. A thorough study of the processes of digitalization of the banking sector of Ukraine at the present stage of its development has been carried out. Particular attention is paid to the analysis of key prerequisites for active digitalization of the national banking system, among which tech

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Hasanah, Miftahul, and Istikomah Istikomah. "Digitalization Of Sharia Banking In Improving Financial Inclusion In Indonesia." PROCEEDING INTERNATIONAL CONFERENCE ON ECONOMICS, BUSINESS AND INFORMATION TECHNOLOGY (ICEBIT) 4 (July 20, 2023): 892–95. http://dx.doi.org/10.31967/prmandala.v4i0.848.

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This study aims to describe and analyze the digitalization of Islamic Banking in Indonesia. how important is digitalization for Islamic banking and how digitalization of banking can increase financial inclusion in Indonesia. This research uses a descriptive qualitative method through literature study. The result of this research is that the digitalization of banking is a necessity along with the development of the world of technology. Banking digitalization is not just mobile banking, but all banking activities carried out using technology are a form of banking digitization.

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Nazma, Khan, Laskar Sonia, and H. R. Laskar Dr. "Impact of Digitalization on Personal Banking Services." Account and Financial Management Journal 09, no. 06 (2024): 3346–53. https://doi.org/10.5281/zenodo.12177606.

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ABSTRACT: Technological advancement has made dramatic changes in all sectors of the economy, including the financial sector. Banking services have faced huge improvements, especially in the context of personal banking services, which were earlier based on traditional banking approaches. This study mainly focuses on the impact of digitalization on personal banking, the perception of customers towards the adoption of digitalization, how the customers have adopted digitalization in banking services, and what measures personal banking services can take to improve the difficulties faced by most of

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Gurram, Uma Raghavendra, and Anudeep Velagapudi. "Impact of Digitalization on Traditional Banking." International Journal of Research in Engineering, Science and Management 3, no. 12 (2020): 29–33. http://dx.doi.org/10.47607/ijresm.2020.400.

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Internet banking is changing the banking business, having the significant impacts on banking connections. Banking is currently not, at this point restricted to the branches where one needs to move toward the branch face to face, to pull back money or store a check or solicitation an announcement of records. In obvious. Internet banking, any request or exchange is prepared online with no reference to the branch (anyplace banking) whenever. The net banking, in this way, presently is to a greater extent a standard instead of an exemption in many created nations because of the way that it is the l

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Zamaslo, Olha, Viktor Kovalenko, and Olha Lozynska. "DIGITAL TRANSFORMATION LEVEL INDICATORS OF BANKS." Baltic Journal of Economic Studies 7, no. 2 (2021): 77–82. http://dx.doi.org/10.30525/2256-0742/2021-7-2-77-82.

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The article studies the approach to assessing the banking digitalization influenced by economy digitalization, dynamically spread electronic payments, e-commerce, and innovative digital service technologies. Digitalized banking services, widespread online platforms and digital customer communication channels require an approach to assessing the banking digitalization identifying the bank’s competitiveness, strengths and weaknesses strategically. The aim is to develop a banking digitalization indicator system and assessment methods within a complex indicator. To achieve this, the research appli

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Belousov, A. L., and E. Yu Levchuk. "Digitalization of the Banking Sector." Finance and Credit 24, no. 2 (2018): 455–64. http://dx.doi.org/10.24891/fc.24.2.455.

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Ильясова, К. Х., А. А. Амадаев, and А. И. Бексултанова. "Digitalization in the banking sector." Экономика и предпринимательство, no. 2(127) (April 11, 2021): 1354–58. http://dx.doi.org/10.34925/eip.2021.127.2.273.

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В данной статье рассматриваются ключевые аспекты развития банковского сектора в контексте Цифровых тенденций, развития цифровых технологий банков, изменения бизнеспроцессов, банковских продуктов и услуг, изменения моделей обслуживания и развития собственных экосистем. Анализ отечественной и зарубежной практики использования цифровых технологий при планировании, мониторинге и оценке принятия управленческих решений позволил сформулировать рекомендации по приоритетным направлениям использования цифровых технологий в рамках дальнейшего развития принципов и процедур управления, ориентированных на р

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Manta, Alina Georgiana, Roxana Maria Bădîrcea, Claudia Gherțescu, and Liviu Florin Manta. "How Does the Nexus Between Digitalization and Banking Performance Drive Digital Transformation in Central and Eastern European Countries?" Electronics 13, no. 22 (2024): 4383. http://dx.doi.org/10.3390/electronics13224383.

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The aim of this paper is to create a digitalization index for banking sectors using a set of indicators based on World Bank data for the period of 2010–2021, which will allow us to rank the sectors of Central and Eastern European countries (CEECs). The digitalization index is built based on how ready banks are for digitalization, the potential customers available for digital banking, and the level of digital infrastructure, with each of these aspects representing one pillar. Based on the calculation of the digitalization index, we emphasize that Romania is the leader, followed by Latvia and Li

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Sultanova, Menslu, Akylbek Sultanov, Yelnaz Zhangaliyeva, et al. "Identifying features of the level of digitalization of banking services in different countries." Eastern-European Journal of Enterprise Technologies 5, no. 13 (131) (2024): 58–66. http://dx.doi.org/10.15587/1729-4061.2024.312341.

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The object of the study is digitalization of banking services. The problem of assessing the level of digitalization of banking services in different countries is solved. The results obtained are: – classification of countries by the level of digitalization of banking services: high level (China, England), medium level (USA, Sweden, Germany, Japan, Ukraine, Kazakhstan) and low level (Spain, Italy, India, Brazil); – a reliable (R2=0.78) positive dependence of the level of digitalization of banking services on the ratio of non-cash payments to GDP and on the rating of favorable conditions for doi

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Guliev, Igbal A., Alisa O. Khubaeva, Elena A. Chernysheva, and Irina V. Kolesova. "The influence of digitalization on Chinese banks: new financial technologies in a plan economy." E3S Web of Conferences 291 (2021): 04001. http://dx.doi.org/10.1051/e3sconf/202129104001.

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Nowadays, digitalization has become one of the most significant global development trends. The Chinese banking system, which has only recently been subjected to liberal reforms, is poorly researched in the viewpoint of the digitalization and financial technology impact on it. In this context, it is interesting to identify the main digitalization features in the PRC banking system and to identify this system’s elements which are most susceptible to digitalization influence. The authors set the task to identify how digitalization changes the PRC banking system, in particular, how it affects shad

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Abdrasulova, Zh, and S. Abdrasulova. "Digitalization of the Banking Sector Economy: Problems and Ways of Improvement." Bulletin of Science and Practice, no. 3 (March 15, 2023): 288–94. http://dx.doi.org/10.33619/2414-2948/88/34.

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This article discusses some of the problems and ways to improve the banking sector digitalization economy, or rather the process of promoting Internet banking of banking services. Research objectives: to reveal the relevance of digitalization of banking services in the economy, to identify the advantages and disadvantages of banking digitalization. Research materials and methods: a SWOT analysis of Internet banking in the activities of commercial banks is being carried out. Research results: implementation of an economic assessment in the implementation of banking products and the development

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Niroula, Anil, and Shruti Adhikari. "Machine learning, banking, industry, digitalization, innovation." American Journal of Finance and Business Management 3, no. 1 (2024): 62–72. http://dx.doi.org/10.58425/ajfbm.v3i1.286.

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Aim: The application of artificial intelligence (AI) offers an encouraging avenue for developments in the banking industry. Methods: The study adopted a scoping review of methodology to provide a comprehensive overview of relevant research regarding the potential uses and challenges of AI in banking. Consumer expectations have evolved, emphasizing features such as payment gateways, swift transactions, and resilient banking services. Results: Major utilization of the AI in banking industry includes enhanced customer engagement, satisfaction, and relationships, personalized financial guidance, s

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Coryanata, Isma, Elisa Hawalia Ramli, Lisa Martiah Nila Puspita, and Halimatusyadiah Halimatusyadiah. "Digitalization of Banking and Financial Performance of Banking Companies." International Journal of Social Service and Research 3, no. 2 (2023): 366–71. http://dx.doi.org/10.46799/ijssr.v3i2.254.

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This study aims to identify the impact of bank digitization on the financial performance of companies in the Indonesian banking sector. The study uses his three-year (2018-2020) panel data of banking companies listed on the Indonesia Stock Exchange, covering 40 banks and 120 observations. Data were analyzed using panel data regression with a fixed effects model. The analysis tool used in this study is Eviews version 10. The results of this study show that the application of banking digitalization in the form of digital technology adaptation in banking firms has a negative impact on financial p

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18

Grechka, Vladislav, Vyacheslav Ostrovsky, and Mykhailo Bilyi. "Development of the financial security system of banking institutions in the conditions of digitization." Scientific bulletin of Polissia, no. 2 (29) (March 6, 2025): 461–78. https://doi.org/10.25140/2410-9576-2024-2(29)-461-478.

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The article presents a review of the category of “financial security of banking institutions” at the macro and micro levels. At the macro level, the financial security of banking institutions depends on: the stability of economic development, the effectiveness of regulation and supervision of the NBU and other regulatory bodies, the state of the financial system and external factors. At the micro level, the financial security of banking institutions depends on: indicators of the bank’s financial stability, an effective risk management system, professional corporate governance, characterized by

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19

Ipsita, Paria, and Giri Arunangshu. "A Literature Review on Impact of Digitalization on Indian Rural Banking System and Rural Economy." RESEARCH REVIEW International Journal of Multidisciplinary 03, no. 11 (2018): 224–27. https://doi.org/10.5281/zenodo.1488104.

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The main objective of this paper is to review and summarize various studies which were made by different researcher of different location across India on the Impact of digitalization on rural banking system of India. The impact includes the awareness about banking system among rural people, their perception towards banking system and how this digitalization in banking improves the rural life. Indian Government took a mission to transform society and make a new digitalized society. Digitalization is having an impact on Indian economy and as well as rural banking sector. The main focus of this r

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20

Mahayana, Destri Ayu Larasati, and I. Wayan Novy Purwanto. "THE INFLUENCE OF DIGITALIZATION ON BANKING FINANCIAL INSTITUTIONS IN INDONESIA." POLICY, LAW, NOTARY AND REGULATORY ISSUES (POLRI) 2, no. 4 (2023): 365–72. http://dx.doi.org/10.55047/polri.v2i4.864.

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The development of digitalization systems has a direct impact on the banking industry, both positively and negatively. This research aims to examine the influence of digitalization on financial banking institutions in Indonesia and how efforts are made to prevent the negative effects of banking service digitalization in Indonesia. This study employs a normative legal research method, utilizing a legislative approach. One of the positive impacts of digitalization on financial banking institutions in Indonesia is the emergence of digital banking services. However, one of its negative consequence

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Tashtamirov, Magomed, and Larisa Dzhamoldinova. "Regional banking systems and their digitalization processes." E3S Web of Conferences 381 (2023): 01049. http://dx.doi.org/10.1051/e3sconf/202338101049.

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Long-term tendencies in the economical development of specific regions determine the nature of digital transformations in their respective socio-economic systems. The global trend for digitization of economical and financial relationships affects the growth direction of national economies and their local components. This issue remains relevant for many countries, including Russia. The present study examines the specificity of digitization processes in regional banking systems and banking markets and the problems associated with them. The authors focus on digitalization and financial availabili

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SMIRNOV, Vladimir D. "Digitalization in banking: All against all?" Finance and Credit 28, no. 5 (2022): 1027–57. http://dx.doi.org/10.24891/fc.28.5.1027.

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Subject. This article examines the impact of banking transactions by online banks and non-banking organizations using new digital technologies on the business of traditional banks. Objectives. The article aims to identify the customer and operating segments of the traditional credit institutions' activities, which are targeted by online banks and non-banking organizations, and determine the level of threat to the business of traditional banks from these organizations. Methods. For the study, I used the methods of analysis and synthesis, comparative analysis, and the logical and systems approac

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Versal, Nataliia, Vasyl Erastov, Mariia Balytska, and Ihor Honchar. "Digitalization Index: Case for Banking System." Statistika: Statistics and Economy Journal 102, no. 4 (2022): 426–42. http://dx.doi.org/10.54694/stat.2022.16.

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Economy digitalization has become a trend during the pandemic. The banking sector was also one of the first to face the need to accelerate digitalization. This work is devoted to developing a digitalization index for both the banking sector and an individual bank based on a set of indicators calculated according to data from the World Bank and data from commercial banks. At a macro level, the study concluded that the pandemic has accelerated the digitalization of the banking sector in all the monitored countries; however, a significant increase was observed in countries with lower index values

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R., Manjula, and Karthik NL. "A Conceptual Study on Digitalization of Co-Operatives Banks: Issues and Challenges in India." Shanlax International Journal of Arts, Science and Humanities 7, no. 2 (2019): 70–76. https://doi.org/10.5281/zenodo.3575295.

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In the modern world in which we are living is dominated by the concept called “Digitalization”. The government of India announced the Digital India Programme with a vision to transform India into a digitally empowered society and knowledge economy. The concept of digitalization has been playing a key role in all sectors of the economy and in the banking sector is. Digitalization has become very important for the Indian Banking sector, which acts as a major role in  nancial inclusion and is mainly concerned with providing better services to customers along with an opportunity to ga

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Antonova, Olena, Iryna Tsapliuk, and L�onid Blazhey. "INVESTIGATION OF THE INFLUENCE OF DIGITALIZATION OF BANKING ON THE STRATEGIC MANAGEMENT OF THE BANK." Actual Problems of Economics 1, no. 232 (2020): 35–42. http://dx.doi.org/10.32752/1993-6788-2020-11-232-35-42.

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The article examines the impact of digitalization of banking on the strategic management of the bank and different scenarios of strategic development of the bank depending on the degree of acceptance of the bank's digitalization process. An analysis of the study of digital technologies currently used by banks in Ukraine. Based on the considered gradations of digital banking, it was concluded that Ukrainian banks follow the partial introduction of digital technologies in their own activities and use the first two models of each grading: �digital banking brand� and �bank with digital channels�,

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Samara, Faiz Nasrullah, Benny Rahardian Prawoto, Arsha Maulana, Arief Ridwan Firdaus, and Nurma Gupita Dewi. "The Role of Banking Digitalization in Enhancing Business Capacity among Rural Communities in Indonesia." Jurnal Akuntansi dan Bisnis 10, no. 02 (2025): 144. https://doi.org/10.47686/jab.v10i02.748.

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The digitalization of banking has emerged as a transformative force in enhancing financial inclusion and supporting economic growth, particularly in rural communities. This study examines the role of banking digitalization in improving business capacity among rural communities in Indonesia. By leveraging digital banking services such as mobile banking, e-wallets, and online loan platforms, rural entrepreneurs can access financial resources, manage transactions efficiently, and participate in broader economic activities. The findings reveal that digital banking reduces barriers to credit access

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Свирепа, К. В., and В. Ю. Далбаева. "Modern directions of digitalization the banking system of Russia." Journal of Applied Research, no. 5 (May 31, 2024): 37–41. http://dx.doi.org/10.47576/2949-1878.2024.5.5.005.

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Статья посвящена исследованию современных трендов развития банковской системы, обусловленных цифровизацией банковского бизнеса. В настоящий момент процесс цифровизации банковского обслуживания и бизнес-процессов является основополагающим и определяющим темпы развития отечественного финансового сектора. Рассматриваются основные направления цифровизации, а также преимущества применения цифровых технологий в банковском бизнесе. The article is devoted to the study of modern trends in the development of the banking system due to the digitalization of banking business. At the moment, the process of

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Noor, Afza, and S.P. Rajeswari. "The Role of Mobile Banking in Digitalization Era." RESEARCH REVIEW International Journal of Multidisciplinary 3, no. 12 (2018): 974–77. https://doi.org/10.5281/zenodo.2532734.

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Mobile banking had its origin in November 1946.In India, the first bank on wheel was launched by the bank of Patiala in 1950. Mobile banking (also known as M- banking, SMS banking etc.) is a term used for performing balance checks, unit transactions, payments etc. via a mobile device such as a mobile phone. Mobile banking today is most often performed via SMS or the Mobile Internet but can also use special programs called clients downloaded to the mobile device. Mobile banking is a way for the customer to perform banking actions on his or her cell phone or other mobile device. It is also known

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Olena, ERKES, KALYTA Oksana, and GORDIIENKO Tetiana. "BANKING DIGITALIZATION DURING THE COVID-19 PANDEMIC." Herald of Kyiv National University of Trade and Economics 140, no. 6 (2021): 133–46. http://dx.doi.org/10.31617/visnik.knute.2021(140)11.

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This article studies the impact of the COVID-19 pandemic on the processes of innovative development and digital transformation of the banking sector. The authors analyze the COVID-19 pandemic as a factor in accelerating the introduction of innovative digital banking technologies. The key changes that took place in the banking sector under the influence of the coronavirus pandemic were considered, which allowed to identify main vectors of digitalization of banking processes in Ukraine and to develop criteria for classifying banks according to their digital development.

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Prigoda, L. V., M. V. Alikaeva, and Z. Cekerevac. "Banking ecosystems and marketplaces: digitalization trends." New Technologies 16, no. 6 (2021): 132–38. http://dx.doi.org/10.47370/2072-0920-2020-16-6-132-138.

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The article considers peculiarities of the activities of the main participants in the financial market, in particular banking in the context of digitalization and the introduction of artificial intelligence tools. At present, artificial intelligence (AI) technologies have a significant impact on human life, both in the process of instant transfers and in conversational interfaces. This affects the financial services sector, and its members are the most active in introducing disruptive AI innovations. Therefore, in order to increase the level of competitiveness, modern banks should act as locom

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Tokarev, Vladimir, and Alexander Kolesnikov. "PRINCIPLES OF DIGITALIZATION OF BANKING ACTIVITIES." Вестник Северо-Кавказского федерального университета, no. 1 (2021): 133–41. http://dx.doi.org/10.37493/2307-907x.2021.1.17.

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Vaisman, Elena, and Mariya Podshivalova. "DIGITALIZATION VS EMPLOYMENT: BANKING SECTOR EXPERIENCE." Bulletin of South Ural State University series "Economics and management" 12, no. 4 (2018): 26–34. http://dx.doi.org/10.14529/em180403.

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Kryvenko, Y. V. "On the issue of digitalization of banking services." Uzhhorod National University Herald. Series: Law 1, no. 84 (2024): 305–10. http://dx.doi.org/10.24144/2307-3322.2024.84.1.45.

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In this article, we will identify and analyze banking services provided during the use of modern information technologies in remote customer service of the bank. The author highlights the features, issues, and prospects of the digitalization process in Ukraine. Today, dozens of banks offer their clients, both legal entities and individuals, as well as individual entrepreneurs, remote servicing systems and Internet banking, providing full banking services through the «Internet» from anywhere on the globe. Internet banking is a service that allows managing one’s bank account over the internet, o

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SHEVCHENKO, Volodymyr. "DIDGITALIZATION AND INTERNATIONAL ACCESS TO FINANCE." Management 38, no. 2 (2024): 151–56. http://dx.doi.org/10.30857/2415-3206.2023.2.12.

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INTRODUCTION. The rapid development of information technologies in recent years has resulted in the digitalization of the economy and society. This transformation has led to the emergence of the digital economy, which is characterized by the production of goods and services derived primarily from digital technologies. This shift towards digitalization has had a significant impact on various aspects of the economy, including access to finance, small business development, and innovation. In particular, the banking sector has undergone significant changes as traditional financial institutions emb

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Sihite, Mislan. "Peran Digitalisasi Perbankan dalam Meningkatkan Daya Saing: Suatu Tinjauan Konseptual." Prosiding Seminar Nasional Forum Manajemen Indonesia - e-ISSN 3026-4499 2 (November 23, 2024): 1054–65. http://dx.doi.org/10.47747/snfmi.v2i1.2374.

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The development of technology is currently very rapid. Almost all aspects of life use technology, and in the world of banking, The digital era has changed business patterns in the banking era. The convenience of the technology used is expected to provide convenience and speed in transactions, known as banking digitization. Banking digitalization is a banking service that utilizes digital technology to meet customer needs to realize the digital economy as aspired to with the many new products issued by banks through technology that may facilitate customer transactions. This is expected to satis

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Denys, Ilnytskyy, Yatsukh Olena, Demchenko Ivan, Tsap Volodymyr, and Shmatkovska Tetiana. "Management of Banking Innovations in the Conditions of Digitalization." Ad Alta: Journal Of Interdisciplinary Research 11 (2 ), Special Issue XXI (2021): 123–28. https://doi.org/10.5281/zenodo.7864249.

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The modern specifics of the introduction of innovations in banking and the formation of the latest digital banking products involve a significant transformation of the entire banking system into digital banking. Therefore, the issues of effective management of innovation activities of banking institutions depend on the technological features of innovative solutions and the number of resources that banks direct to investments in this area. Thus, the digitalization of banking requires an effective management system for innovation in the bank. 

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Hrytsenko, Larysa, and Iryna Kozhushko. "Banking marketing development trends in the context of digitalization." Vìsnik Sumsʹkogo deržavnogo unìversitetu, no. 4 (2023): 53–63. http://dx.doi.org/10.21272/1817-9215.2023.4-06.

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The article is devoted to the study of modern trends in the development of banking marketing in the context of global digitalization of all spheres of social life. In order to assess the relevance of the analyzed question, the data on the number of requests for “bank marketing”, “digitalization”, “digital technologies” and “banking innovations” in the most popular Google search engine were studied. In addition to the significant interest of the public in the digitalization of banking marketing, a high scientific interest in this topic was also revealed among both domestic and foreign researche

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P. L., Kambing’a,, and Haabazoka, L. "The Effects of Digitalization on Operational Performance of Commercial Banks in Zambia." International Journal of Entrepreneurship and Business Innovation 8, no. 2 (2025): 36–55. https://doi.org/10.52589/ijebi-lesqtmv3.

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This study examined the effects of digitalization on the operational performance of commercial banks in Zambia, focusing on key performance indicators such as cost efficiency, profitability, and service delivery. The primary objective was to analyze how digital banking technologies—such as mobile banking, internet banking, and automated payment systems—impacted operational performance in the banking sector. The study's specific objectives included evaluating the correlation between digitalization and operational performance, studying the relationship between these variables, and assessing the

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Phạm, Thu Thuỷ. "Bachelor of banking education in Banking Academy of Vietnam in the digitalization context." Tạp chí Khoa học và Đào tạo Ngân hàng 258 (November 2023): 46–51. http://dx.doi.org/10.59276/tckhdt.2023.11.2604.

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Bachelor of Banking is the most outstanding program of Banking Academy of Vietnam. The program proudly educated a lot of bank executives and professional bankers. In the context of digitalization has strongly changed the banking business and the bachelor pedagogy, Banking Faculty, Banking Academy of Vietnam has revised the Bachelor of banking (standard program and advance program) in 2021 and 2022. The paper analyzes the requirements of educating Bachelor of Banking in digitalization context, the recent renovation of Bachelor of Banking by Banking Academy of Vietnam, and some suggestions to in

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Wiranata, Teddy, Nikson Marpaung, Wiwied Risdianto Putri, Salihah Aula Br Sembiring, Fitri Annisa, and Sanusi Gazali Pane. "Analisis Daya Saing pada Industri Perbankan di Kota Medan: Digitalisasi Perbankan dengan Pendekatan SWOT." VISA: Journal of Vision and Ideas 3, no. 3 (2023): 1103–14. http://dx.doi.org/10.47467/visa.v3i3.5713.

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The banking industry in Medan City has experienced significant growth alongside technological advancements and digitalization. This transformation encompasses the utilization of Information and Communication Technology (ICT) to enhance operational efficiency and innovate banking services. While major banks have extensive branch networks and strong reputations, some may face challenges in swiftly adopting new technologies. Significant opportunities lie in expanding digital banking services through investments in mobile applications, cutting-edge technology, and collaborations with local fintech

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Tsogoeva, Marina I. "DIGITAL REVOLUTION OF THE BANKING SECTOR." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 5, no. 10 (2021): 17–22. http://dx.doi.org/10.36871/ek.up.p.r.2021.10.05.002.

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The banking sector is developing under the influence of modern technological advances. Banks, under the influence of digitalization, are experiencing revolutionary transformations, providing their customers with more and more high-quality tools supported by technology. A feature of digitalization in the banking sector is the priority of the largest banks that actively invest in digital technologies, unlike small regional banks. With the help of digitalization, banks get more customers and provide first-class services.

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Tkachenko, Sergii. "TRANSFORMATION OF BANKING SERVICES IN THE CONTEXT OF DIGITALIZATION." Actual Problems of Economics 1, no. 282 (2024): 215–22. https://doi.org/10.32752/1993-6788-2024-1-282-215-222.

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The development of the modern world as a whole is no longer imaginable without the use of digital technologies. Digitalization has affected almost all spheres of activity and this is the reality of the modern era. The banking sector is no exception. Despite the significant scientific contribution to the above-mentioned issues, a certain list of issues requires additional coverage. In particular, in our opinion, insufficient attention has been focused on the advantages of the transformation of banking services in the context of digitalization for banks and their clients. The focus of this scien

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Dr., Ritesh Byas, and Ankush Bhusawale Mr. "Digital Banking– A challenge Against Cooperative banks." IARA – International Journal of Humanities, Social Science, Business Management and Commerce 07, no. 01 (2023): 07–12. https://doi.org/10.5281/zenodo.13913921.

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<em>Banking is known as the backbone of economy of every country. Without having an effective banking system, country cannot develop. Digitalization has impacted each and every sector. Banks are not exceptions from the digitalization process. In India telecommunication network has not spread in rural area. Cooperative banks are the main service provider in rural area. Still these banks have not adopted digitalization in their day-to-day transactions. Present research paper elaborate challenges against cooperative banks for adopting and implementing the digital banking system. </em>

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Vishwam, Dr Siddhartha S. "Impact of Digitization and Digital Banking System in Development of Souharda Co-Operative Banks in Karnataka." International Journal for Research in Applied Science and Engineering Technology 13, no. 3 (2025): 3422–26. https://doi.org/10.22214/ijraset.2025.68091.

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This present study focuses on the impact of digitization and digital banking system in development of SCBs in Karnataka. Digitization is the process of converting data into digital format. Digitalization means the adoption of technology. Digitalization affects everything to solve the problem by going cashless and increases the efficiency of new and existing customers. The digital technologies have achieved very rapid adaptation in a very short period. It is fully digitalized from day one, and it is providing all the needs of the customers efficiently. As the banks are digitalized the gap betwe

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Kliuchka, Olga, and Dmytro Glinskyi. "THE IMPACT OF DIGITALIZATION ON THE EFFICIENCY OF BANKING ACTIVITY." Actual Problems of Economics 1, no. 273 (2024): 128–34. http://dx.doi.org/10.32752/1993-6788-2024-1-273-128-134.

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The article is devoted to the study of the functioning of banks in the conditions of digitalization. The impact of digitalization on increasing the efficiency of banking institutions of Ukraine is substantiated. The main advantages of using digital technologies in banking activities have been determined. A comparative analysis of the advantages and disadvantages of financial technologies in ensuring the efficiency of banks was carried out. It was established that the optimization of internal processes affects the improvement of the efficiency of the bank's activities, which, in particular, is

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Anjali Saroha, Dr. Laxmi. "Study On Digitalization Of Banking In Rural Areas Of Haryana." Tuijin Jishu/Journal of Propulsion Technology 44, no. 4 (2023): 5467–75. http://dx.doi.org/10.52783/tjjpt.v44.i4.1922.

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With the goal of bridging the urban-rural gap and advancing financial inclusion, the digitalization of banking in Haryana's rural areas signifies a revolutionary shift in financial services. The application and effects of digital banking technologies in these areas are examined in this abstract. Banking institutions have improved access to financial products for rural inhabitants by utilising technical improvements to offer internet-based services, digital payment systems, and mobile banking. These initiatives aim to overcome geographical limitations. The implementation of digital banking in r

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Roberts, Marina V., Tatiyana V. Kosinets, and Igor I. Savelev. "THE ROLE OF MODERN DIGITAL TECHNOLOGIES IN BANKING." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 5/3, no. 125 (2022): 116–22. http://dx.doi.org/10.36871/ek.up.p.r.2022.05.03.016.

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The article discusses the role and influence of modern digital technologies and digitalization processes on the development and activities of commercial banks. The main directions of the introduction of information technologies in the banking sector are considered, the results of rating assessments of the activities of leading Russian banks in terms of the level of digitalization are analyzed. On the example of Sberbank of Russia PJSC, a promising area of digitalization is considered – the creation of a banking ecosystem. Possible risks and problems of digital banking are identified.

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Kolodiziev, Oleh, Valeriia Shcherbak, Kseniia Vzhytynska, Olena Chernovol, and Olha Lozynska. "Clustering of banks by the level of digitalization in the context of the COVID-19 pandemic." Banks and Bank Systems 17, no. 1 (2022): 80–93. http://dx.doi.org/10.21511/bbs.17(1).2022.07.

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The COVID-19 pandemic has complicated the operating environment for banks around the world. Determining the drivers of digitalization of banking services based on the principles of corporate social responsibility of banks makes it possible to find a way out of the crisis. The objective of the study is to develop a model for clustering banks in terms of the level of digitalization on the principles of corporate social responsibility.In this study, a twofold model has been proposed: the first part includes the calculation of the level of digitalization of banking, and the second part includes ma

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Kholiavko, N. I., and O. M. Kozlianchenko. "Global Trends in the Banking Sector Digitalization." PROBLEMS OF ECONOMY 2, no. 48 (2021): 217–24. http://dx.doi.org/10.32983/2222-0712-2021-2-217-224.

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The article is aimed at identifying global trends in using modern information technologies in the banking sector, which were formed under the influence of digitalization of the economy. Digitalization is one of the main trends in global economy. Digital transformation has become relevant for business in various areas of economic activity, and the banking sector is not any different. The introduction of a bank card is considered to be the initial stage of the banking sector digitalization. At the present stage of development, banks have a wide range of tools to digitalize their activities, from

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Buranbaeva, Liliya Z., Zulfiya Z. Sabirova, and Guzel A. Musina. "DIGITALIZATION OF THE BANKING SYSTEM: PROBLEMS AND CURRENT TRENDS." Vestnik BIST (Bashkir Institute of Social Technologies), no. 1(54) (March 31, 2022): 16–21. http://dx.doi.org/10.47598/2078-9025-2022-1-54-16-21.

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The subject of the study is the digitalization of the banking system. The purpose of the study is to consider the problems and prospects for the development of digital technologies in the banking sector. The objectives of the study are to study the benefits of digitalization for banks and their clients, consider the problems and prospects for the introduction of digital technologies, reflect key trends in the development of the bank lending market in a pandemic and the use of modern technologies. The novelty of the study: the need for digital transformation in the banking system, problems and

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