Relevant bibliographies by topics / Use of Digital banking

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  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Use of Digital banking'

Author: Grafiati
Published: 5 June 2025
Last updated: 25 June 2025

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Journal articles on the topic "Use of Digital banking"

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V., Bharathi Veena, and Dr Janarthananpillai . "Effect of Digital Banking Acceptance on Digital Banking Usage." Webology 19, no. 1 (2022): 1344–57. http://dx.doi.org/10.14704/web/v19i1/web19090.

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Banking is one of the most important ingredients in economic development, because of banks have direct contact with the public as well as the countries economic affairs. Thus, banking institutions are considered as a most influential pillars of Indian economy and interreference of banking sector among the public become digitalized and now the digital banking system has been covered almost entire economy in the state. In this context, study has been analyzed the effect of digital banking acceptance on digital banking usage among elder banking customers, because of previous references indicates that elder people were far away from digitalization due to lack of knowledge, awareness, negative attitude created by the lack of knowledge etc. meantime many reviews found that elder people are more eager to use the technology. Here, in this context study has been analyzed the factors which are leads to the digital banking acceptance among the elder banking customers. Study has also analyzed the mediator (Informal Joint Family Network) effect between Digital Banking Acceptance (DBA) and Digital Banking Usage (DBU).
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Sri Woelandari P.G, Dewi Woelandari P. G., Novita Wahyu Setyawati, and Muhammad Richo Rianto. "EASE of USE, CONVENIENCE, TRUST, and INTENTION to USE MOBILE BANKING." Journal of Economic Development Environment and People 11, no. 3 (2022): 62–69. http://dx.doi.org/10.26458/jedep.v11i3.753.

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Abstract. Technological developments, especially in the banking world, can provide services to their customers, especially in terms of using digital banking services. Digital banking services have changed the way and method of banking operations. Customers and banks use digital banking as a technology-based service delivery channel to increase customer satisfaction. This study aims to apply the technology acceptance model (TAM) to investigate the intention to use mobile banking among millennials. The analytical technique used in this study uses SPSS version 24 software. The survey results indicate that ease of use, convenience, and trust have a significant positive effect on customer interest in using mobile banking.
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Abbasi, Ahsan Ali, Abdul Rasheed Mangi, Kewal Talreja, and Sarfaraz Ahmed Bhutto. "Factors affecting the Consumer Willingness to use Digital Banking." Journal of Social Sciences Advancement 5, no. 4 (2024): 44–56. https://doi.org/10.52223/jssa24-050405-101.

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This study aimed to explore the factors that have influenced consumer willingness to use digital banking. The consumer willingness includes cost, security, and risk factors that generate impact on customer willingness to use digital banking. The data was collected through Self-administered questionnaire from a sample of N=200 respondents. The inferential results of this study reports that convenience and security of digital banking are the two main factors that have positive and significant impact on consumers’ willingness to use digital banking. On the other hand, security concerns show a negative impact on consumer willingness. The main barrier that hindering the usage of online banking is the security concern. Moreover, Online banking made access to banking and advanced payment transactions at affordable cost and customer pays less tax in digital banking as compare to the traditional banking system. Meanwhile, Customers are satisfied with the overall quality of banks with digital banking services.
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Marlius, Doni. "Use of Digital Banking in Improving Services at Banks." Jurnal Keuangan dan Perbankan (KEBAN) 1, no. 2 (2022): 59–65. http://dx.doi.org/10.30656/jkk.v1i2.4862.

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This research is useful as a form of digital banking implementation in improving banking services to customers. The sample of this research is the number of digital banking users and the number of customers who have used digital applications from 2021. This study uses qualitative data analysis as a research method that describes descriptively about the application of digital banking in improving banking services and services to customers. analysis in terms of practices that need to be applied, so that it can be seen the extent of its implementation. These results show that the application of digital banking at the Bank is in accordance with the standards set by Bank Indonesia, the application of digital banking can improve the quality of banking services and services as well as increase customer loyalty
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Aryan Verma and Dr. Shalini Mittal. "GROWTH IN USE OF DIGITAL BANKING IN INDIA." Global Journal of Management and Sustainability (MAS) [ISSN: 2583-4460] 1, no. 1 (2022): 14–20. http://dx.doi.org/10.58260/j.mas.2202.0102.

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The Digital India initiative is a government-led initiative with the goal of transforming India into a digitally empowered society and learning economy. Digital banking in India has emerged as the preferred banking channel. However, challenges facing expansion of banks' digital footprint in India are formidable. India, with an unbanked population in the order of 190 million adults, has a staggering number of people without access to credit. The Computerized India initiative aims to emphasise self-government while also transforming India into a more active community. The Government of India has launched the Digital India initiative in order to change the entire environment of open organisations using information development and advanced economy. The goal is to transform India into a carefully drew in the public sight and data economy. Digital banking has revolutionised the way we bank in today's society. With Digital Banking, we can transact more quickly, effortlessly, and simply. The phrase "digital banking" refers to banking that is done fully online, without the need of paper documents like checks, pay-in slips, or Demand Drafts. Without needing to physically visit a bank office, digital banking allows users to access and perform all routine banking activities 24 hours a day, seven days a week. Digital banking can be done on a laptop, tablet, or smartphone.
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Zahid, Muhammad, Muhammad Jehangir, and Naveed Shahzad. "Towards Digital Economy." International Journal of E-Entrepreneurship and Innovation 3, no. 4 (2012): 34–46. http://dx.doi.org/10.4018/jeei.2012100103.

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Information and Communication Technologies (ICT) have changed business operation trends. Information systems are considered a valuable asset and have the attention of the strategic and marketing decision floors. Use of information system and ICT in the banking industry have become indispensable, and have replaced traditional operations with electronic banking concepts. Electronic banking has brought many challenges for strategic managers to achieve strategic goals and overall customers’ satisfaction. This research study aims to investigate the impact of electronic banking in the context of IT usage, ease of use, its usefulness and the customer satisfaction among the Pakistan banking industry. Pakistan’s top five commercial banks were selected in five districts of KPK for data collection. Three hundred and three electronic banking customers were interviewed through a questionnaire containing 21 relative questions. The SPSS is used for the analysis, on data collected through the questionnaire. Descriptive analysis, correlation, regression and ANOVA have been computed for the results interpretations. From these results, it was found that the customers strongly agree to use information technology for banking operations, but they believe that the use of electronic banking has problems. The management should focus on its method of use. The customers suggested that the electronic banking operations should be simplified, should be user friendly, should be easy to understand, and thus its usefulness will enhance in achieving highly satisfied customers.
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GURENDRAWATI, ETTY, AYATULLOH MICHAEL MUSYAFFI, IFAH ROFIQAH, YUNI WIDAWATI, RINI OKTAVIA, and EKKY KARMILA. "DIGITAL BANKING CHANNEL SUSTAINABILITY: IS IT EFFECTIVE TO USE?" JOURNAL OF SUSTAINABILITY SCIENCE AND MANAGEMENT 18, no. 4 (2023): 57–71. http://dx.doi.org/10.46754/jssm.2023.04.005.

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The digital banking channel benefits customers in conducting banking transactions. However, many customers still depend on transactions directly from banking branch offices. This study intends to examine the factors that can increase the adoption of digital banking. Six hundred seventy-five respondents participated in this survey of customers utilising digital banking channels to conduct their banking transactions. Respondents were invited to complete a questionnaire that was made available online. The answers were then compiled and analysed using SEM Lisrel. Based on the findings of the study, the level of self-efficacy of customers as well as the quality of information they receive significantly impacts their ability to comprehend the advantages of digital banking. The respondents’ adoption of digital banking is significantly influenced by another element known as perceived usefulness, which is the most important component. This research highlights the vital role of self-efficacy and information quality in supporting the development of the TAM model. According to the respondents, the reliability of information and operational support in dealing with problems received from digital banking providers are essential factors for a high level of usefulness.
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Hossain, Mohammad Azhar. "Factors Affecting the Intention to Use Digital Banking." Finance & Economics Review 5, no. 2 (2024): 51–62. http://dx.doi.org/10.38157/fer.v5i2.596.

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Purpose: Banks are adopting digital banking to attract clients by providing more useful services, and creating safe, dependable, and easy-to-use online tools. The purpose of this research is to examine the factors influencing the overall adoption of digital banking by retail banking customers. Methods: An expanded technology acceptance model (TAM) serves as the basis for the theoretical framework of the study. A structured survey of 200 consumers is used to gather primary data, and multiple regression analysis is used to examine the correlations between six independent components. Results: The research indicates that web capabilities, perceived utility, and awareness all have a positive and significant impact on the adoption of digital banking. Implications: This study offers guidelines for creating service models and boosting the use of digital banking. The findings can help policymakers and financial organizations devise strategies for constructing the infrastructure and methods for offering digital banking services. Originality: It is a pioneering effort to explore the combined effects of Perceived usefulness, usability, Privacy, safety, trust Cost of transactions Awareness and Web features on Bangladeshi users’ intention to use digital banking. Limitations: This study is based on quantitative data analysis with limited sample size and period. In future, qualitative research may be conducted for deeper understanding of the issue.
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Prof., Pol Atmaram Akaram. "Digital Banking in India." Journal of Research & Development' 14, no. 11 (2022): 1–3. https://doi.org/10.5281/zenodo.7042631.

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<strong>Abstract</strong> The banking system in the country has become so technologically advanced that almost all banking services are delivered through electronic platforms.&nbsp; Digital banking as a new business model, offered through multiple integrated channels of electronic banking services is the future of every banking sector in a century when technological innovation knows no bounds. The challenge of the banking sector in India remains the use of electronic banking services by customers. This paper covers role of digitization in Indian banking, factors affect the scope of digital banking in India, Challenges faced by the users of Digital Banking services in India, benefit of digital banking and Innovation of digital banking in India.
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Gusti, Girang Permata. "TRANSFORMATION OF FINANCIAL BEHAVIOR: A CASE STUDY ON PREFERENCE AND USE OF DIGITAL BANKING SERVICES." Business and Economics in Developing Countries 2, no. 1 (2024): 06–09. https://doi.org/10.26480//bedc.01.2024.06.09.

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This research aims to investigate the transformation of consumer financial behavior in the context of the digital banking era in Indonesia. The research method used is a quantitative descriptive analysis using secondary data containing the value of digital banking transactions in Indonesia from 2018 to 2023. The research results show that digital banking transformation has influenced consumers’ preferences and usage patterns of digital banking services, with a significant increase in adoption. digital banking technology. The contribution of this research is to provide a deeper understanding of how consumer financial behavior is changing in the digital banking era, as well as the implications for the banking industry and the economy as a whole.
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Dissertations / Theses on the topic "Use of Digital banking"

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Sewpaul, Sailesh. "Digital Strategies Senior Bank Executives in Mauritius use to Improve Customer Service." Thesis, Walden University, 2018. http://pqdtopen.proquest.com/#viewpdf?dispub=13422561.

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<p> Customers&rsquo; use of digital banking has reshaped traditional banking, and senior level bank executives must know how to leverage this innovation to improve customer service to increase profitability. Using the technology acceptance model as the conceptual framework, the purpose of this multiple case study was to explore effective digital banking strategies that senior level executives used to improve customer service to increase profitability. The target population for this study included senior-level executives from 3 banks in Mauritius possessing successful development and implementation experience in digital banking strategies to improve customer service. Data were collected through semistructured interviews and organizational documents, which were analyzed in accordance with Yin&rsquo;s 5-phase data analysis process consisting of pattern matching, explanation building, time-series analysis, program logic models, and cross-case synthesis. The use of member checking and methodological triangulation increased the trustworthiness of data interpretations. Three themes emerged from the analysis of data: use of mobile strategies to migrate customers to digital banking, challenges to migrate customers to digital banking, and digital banking innovation. The implications of this study for positive social change include improving convenience to customers; promoting green banking; and providing easy access to banking to the poor, those with physical disabilities, and those living in remote and rural areas. </p><p>
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Karahanli, Naz Gizem, and Johannes Touma. "Digitalization of the customer experience in banking Use of AI and SSTs in complex/sensitive tasks: pre-collection." Thesis, KTH, Skolan för industriell teknik och management (ITM), 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-300899.

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The digital revolution is changing the banking industry, and how banks create value and deliver services to their customers. Customer experience becomes the main pillar of digitally transformed banks through self-service technologies (SSTs) and the use of artificial intelligence (AI); the research focus of this study is to explore the impact of those modern technologies when dealing with sensitive information and emotional encounters in the banking sector. A case study method has been used with an in-depth investigation consisting of both internal and external interviews for Valhalla Bank in Sweden. External interview results presented the debtor’s perspective by laying out the main challenges faced during the repayment process. The study concluded by answering the main research questions and suggesting practical implications for financial institutions. Banks should proactively seek both explicit and latent needs of different customer segments; any customer interaction data has the potential to become the source of optimizing call scheduling, script customization, or customer experience evaluation. Customers expect flexibility to choose between human interaction and self-service technologies. Sensitive topics can be dealt with digital tools when they can provide advanced functionality with maturity to establish trust and security. Lastly, even though the technology is perceived as cold with a lack of empathy, customers are ready to experiment as they are not comfortable nor satisfied with the current interactions. Regardless of the state of the digital journey of a financial institution, customers should be well-informed about technologies while banks prioritize ethical controls to provide transparent relationships in which any type of customer can feel valued.<br>Den digitala revolutionen förändrar banksektorn och hur banker skapar värde och levererar tjänster till sina kunder. Kundupplevelse blir huvudpelaren för digitalt transformerade banker genom självbetjäning tekniker (SST) och användningen av artificiell intelligens (AI). Forskningsfokus för denna studie är att undersöka effekterna av den moderna tekniken när man hanterar känslig information och känslomässiga möten inom banksektorn. En fallstudiemetod har använts med en djupgående undersökning bestående av både interna och externa intervjuer för Valhalla Bank i Sverige. Externa intervjuresultat presenterade gäldenärens perspektiv genom att redogöra för de största utmaningarna under återbetalning processen. E-bank kanaler och lösningar har dominerat kundernas preferenser med en hoppfull syn på att bygga upp förtroende för relativt ny teknik. Studien avslutades med att besvara de viktigaste forskningsfrågorna och föreslå praktiska konsekvenser för finansinstituten. Banker bör proaktivt söka både tydliga och latenta behov för olika kundsegment, samtidigt som deras mest värdefulla tillgång är kundernas digitala fotavtryck. Alla kundinteraktion data har potential att bli källan till att optimera samtals planering, anpassning av skript eller utvärdering av kundupplevelse. Kunder förväntar sig flexibilitet och frihet att välja mellan mänsklig interaktion och självbetjänings teknik. Känsliga ämnen kan hanteras med digitala verktyg när de kan ge avancerad funktionalitet med mognad för att skapa förtroende och säkerhet. Slutligen, även om tekniken upplevs som ”kall” med brist på empati och känslor, särskilt när det gäller komplexa och känsliga uppgifter som skuldfrågor, är kunderna redo att experimentera eftersom de inte är bekväma eller nöjda med de nuvarande mänskliga interaktionerna. Oavsett tillståndet för en finansiell instituts digitala resa bör kunderna vara välinformerade om ny teknik medan bankerna prioriterar etisk kontroll med detaljerade handlingsplaner för att ge en nära och transparent relation där alla typer av kunder kan känna sig värderade och förstådda.
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Rosman, Tobias. "Investigating omni-channel banking opportunities in Sweden: From a user perspective." Thesis, KTH, Medieteknik och interaktionsdesign, MID, 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-168666.

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For three decades research has been conducted about the adoption of new channels and technologies within banking, examining the determinants for why people adopt a new channel or not. According to Mckinney [16], most bank customers prefer to perform as many of their transactions through one single channel and they only go to another channel when the preferred one fails. Meanwhile, a study by Google [14] showed that 46% of the users that conduct  financial tasks switch device before completing the task. The contradictory data leaves the community with questions about how the users view and use different banking channels. This paper aims to provide a better understanding of user behaviour across channels in the banking sector. It identifies if, and which of, the omni-channel principles (seamless interaction, optimization and consistency) are relevant in the Swedish banking context.  A study took place over a three week period in Stockholm, based on a qualitative approach (interviews) and delimited to simple everyday banking tasks and to mobile and desktop channels. Results from the study show that users had a low need to switch between channels for the same task. Main reasons for choosing one device over the other were screen size, keyboard size, portability and availability which are physical characteristics that cannot change with omni-channel principles. The results suggest that a more unified user interface design based on the omni-channel approach lacks relevance for the simple everyday banking tasks, as users will probably not switch between devices even if the approach is applied. It also suggests that taking advantage of the strengths of each device is a good principle to follow when designing for cross-device systems like digital banking.<br>De senaste tre årtiondena har mycket forskning utförts kring adoption av nya kanaler och teknik inom banksektorn. Man har tittat på avgörande faktorer till varför människor börjar använda sig av en ny kanal eller inte, men ofta undgått att titta på hur de använder sig av flera olika kanaler i kombination. Enligt en studie av Mckinney så vill bankkunder utföra så många av deras bankärenden genom en föredragen kanal och rör sig bara till en annan kanal när ärendet inte går att utföra i den föredragna kanalen. Samtidigt visar en studie av Google att 46% av användarna byter kanal för att slutföra sitt ärende vilket av många tolkats som att användare vill byta kanal och använda sig av flera. Dessa motsättande slutsatser gör att det fortfarande finns frågetecken kring hur och varför bankkunder använder sig av olika digitala bankkanaler. Denna studie har som mål att bidra med insikter kring användarbeteenden över flera kanaler i banksektorn. Den identifierar också om och hur omni-channel principerna (“seamless interaction”, “optimization” och “consistency”) är relevanta att ta i beaktning för banker i Sverige. En treveckors studie genomfördes i Stockholm, baserad på en kvalitativ metod (intervjuer) och begränsad till enkla vardagliga bankärenden och till kanalerna mobil och dator. Resultaten visar att användare har ett lågt behov av byta mellan kanaler för att utföra samma uppgift. De mest framstående anledningarna för att använda sig av en viss plattform var kopplade till skillnader i fysiska egenskaper som skärmstorlek, tangentbordsstorlek, bärbarhet och tillgänglighet - egenskaper som inte kan ändras med omni-channel principer. Resultaten föreslår att ett mer enhetligt användargränssnitt mellan plattformarna baserad på omni-channel principerna saknar relevans för de enkla vardagliga bankärendena, eftersom användarna inte kommer se värdet av att växla kanal trots de applicerade principerna. Studien föreslår också att man bör utnyttja plattformarnas styrkor när man designar för system som sträcker sig över multipla kanaler.
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Campos, Ramirez Jennifer, and León Nicole Alissa Menacho. "Relación de la expectativa de rendimiento, expectativa de esfuerzo, influencia social, riesgo percibido y costo percibido con la intención de uso de aplicaciones móviles para transacciones bancarias." Bachelor's thesis, Universidad Peruana de Ciencias Aplicadas (UPC), 2021. http://hdl.handle.net/10757/654667.

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La presente investigación busca conocer la relación entre la expectativa de rendimiento, expectativa de esfuerzo, influencia social, costo percibido y riesgo percibido con la intención de uso de la banca móvil en usuarios que están en proceso de desarrollo y transformación digital. El perfil del usuario en estudio es la persona bancarizada y digital que tiene acceso a internet y a un dispositivo móvil. Sin embargo, este no utiliza las aplicaciones de pago por factores como desconocimiento, miedo y desconfianza. Por ese motivo, aún presenta altos niveles de uso de dinero en efectivo. El objetivo principal del estudio es identificar si las variables anteriormente mencionadas, utilizando como base el modelo UTAUT, tienen relación con la intención de uso de aplicativos móviles para realizar transacciones bancarias; con la finalidad de proponer estrategias de marketing que puedan impulsar el uso de la banca móvil y permitir al sector bancario seguir creciendo de forma inclusiva en el país. La metodología que se utilizó fueron dos entrevistas a profundidad a expertos en el rubro a fin de recaudar información sobre lo que acontece actualmente en el sector y la postura de la banca con respecto al perfilamiento de los usuarios ante los canales digitales. Finalmente, se aplicaron 200 encuestas efectivas con preguntas descriptivas para determinar la relación entre las variables en estudio y la intención de uso de aplicativos móviles para transacciones bancarias en usuarios bancarizados entre 36-55 años que residan en las zonas 1 y 9 de Lima Metropolitana.<br>The present study seeks to know the relationship between performance expectation, effort expectation, social influence, perceived cost and perceived risk, with the intention to use mobile banking in users who are in a process of digital development and transformation. The profiles of the users under study are banked and digital people who have access to the internet and a mobile device. However, they do not use payment applications due to factors such as ignorance, fear and mistrust. For that reason, they still show high levels of use of cash. The main objective of the study is to identify whether the aforementioned variables, using the UTAUT model as a basis, are related to the intention to use mobile applications to carry out banking transactions, in order to propose marketing strategies that can promote the use of mobile banking and allow the bank sector to grow in an inclusive way in the country. The methodology that was used was two in-depth interviews with experts in the field so as to gather information on what is currently happening in the sector and the position of the bank regarding the profiling of users in digital channels. Finally, 200 effective surveys with descriptive questions were conducted to determine the relationship between the variables under study and the intention to use mobile applications for banking transactions in bank users between the ages of 36-55 residing in zone 1 and zone 9 in Metropolitan Lima.<br>Tesis
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Гуменна, Юлiя Григорiвна, Юлия Григорьевна Гуменная, Yuliia Hryhorivna Humenna, and A. Eremenko. "Relationship between digital technologies and banking sector." Thesis, Sumy State University, 2019. https://essuir.sumdu.edu.ua/handle/123456789/77713.

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Nowadays, digital technologies are fully penetrating and being implemented in the financial services industry by offering products and services to consumers and businesses through financial institutions. The rapid development of information and communication technologies has enabled lending institutions to improve their operations and develop remote banking services over the Internet. Internet banking was introduced in the early 1990s. It has since grown rapidly with the spread of the Internet. Digital banking, in the first place, includes the concept of non-cash. Historically, this method of calculations arose at the end of the seventeenth and early eighteenth centuries.
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Gankova-Ivanova, Zwetelina, and Larysa Turova. "Modern digital technologies of the banking system." Thesis, National Aviation University, 2021. https://er.nau.edu.ua/handle/NAU/54574.

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1. Vladyka J. P., Bezuhla L.S. and Turova L.L. Zdobutky ta novi vyklyky u dijal'nosti systemno vazhlyvyh bankiv v Ukrajini. Elektronnyj naukovo-praktychnyj zhurnal «Infrastruktura rynku» (in Ukrainian) 2. Zastrozhnikova I.V. (2021), Vplyv didzhytalizaciji na kadrovu polityku v agrarnomu sektori, Investyciji: praktyka ta dosvid. 2021. № 4. pp. 77–81 (in Ukrainian)<br>The necessity of using digital technologies in banking activity, which consists in the general improvement of customer service, is substantiated; reducing the bank's operating costs, speeding up banking operations and increasing the bank's competitiveness. Areas of introduction of information technology in banking are systematized on several grounds, namely: the creation of corporate computer systems; sale of banking services on the Internet; development of intrabank management system and their automation.
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Häggqvist, Jacob. "Digital Transformation in the Swedish Banking Sector." Thesis, KTH, Skolan för industriell teknik och management (ITM), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-264176.

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The face of banking has changed dramatically over the last few decades, and in no area does this statement hold more true than in the domain of digitalization. One term that has been relentlessly repeated when discussing the past, present and future of this development is ”Digital Transformation”. Digital Transformation can be tersely defined to mean change driven by digital technologies, with the potential to increase efficiency in existing processes, as well as to allow for new and novel technology-driven problem solutions and business models. Despite the fact that Swedish major banks have come a long way in their digital transformation efforts, there is a lot of evidence that points towards this process not proceeding fast enough. This study is an effort to get a general overview of the main barriers and mechanisms that are causing this development to proceed at a slower rate than might otherwise be desired, and to investigate how actors within the Swedish banking sector are seeking to overcome said barriers. This is done primarily through the interviewing of key personnel within major Swedish universal banks. The majority of the interviews are conducted with employees from a single major Swedish universal bank, taking the form of a case study, while a smaller number of interviews are conducted with individuals associated with other banks, in an effort to provide increased generalizability. The results of the study show that barriers standing in the way of continued digital transformation in the Swedish banking sector can generally be categorized into one of the following categories: Legacy Infrastructure, Organizational Structure, Organizational Culture, Incentive Structure, Resource Insufficiency, Regulation, and Failure in Management. The solutions and models discussed to address these issues included API First approaches, change driven through Cross-Functional Teams, and Collaborative Strategy Formulation.<br>Hur bankverksamhet bedrivs har förändrats dramatiskt över de senaste årtiondena, och i inget område är detta lika tydligt som när det kommer till digitalisering. Ett begrepp som ständigt upprepas när man beskriver den forna, nutida och framtida utvecklingen av den här typen är ”Digital Transformation”. Digital Transformation kan kortfattat summeras till att betyda förändring driven av digital teknologi, med potential att öka effektiviteten i befintliga processer, samt möjliggöra för nya problemlösningar och affärsmodeller. Trots det faktum att de svenska storbankerna har kommit en lång väg i sina digitala transformationsinitiativ, så finns det mycket som tyder på att denna process ändå inte går tillräckligt snabbt frammåt. Den här studien är ett försök att få en generell överblick på de primära barriärerna och mekanismerna som orsakar att denna utveckling går långsammare än önskat, samt att undersöka hur aktörer inom den svenska banksektorn har för avsikt att bemöta dessa problem. Detta görs huvudsakligen genom intervjuer med nyckelpersonal inom de svenska storbankerna. Majoriteten av de intervjuade kommer från en enda bank, där en form av casestudie utförs, medan ett mindre antal intervjuer genomförs med individer tillhörande andra banker, i en ansats att ge ökad generaliserbarhet. Resultatet av studien visar att barriärer som står i vägen för fortsatt digital transformation i den svenska banksektorn kan generellt kategoriseras in i följande kategorier: Föråldrad Infrastruktur, Organisationsstruktur, Organisationskultur, Incitamentstruktur, Resursbrist, Regulation, och Misslyckanden i Styrning. De lösningar och modeller som diskuterats for att adressera dessa problem inkluderade API First-baserade tillvägagångssätt, förändring driven av tvärfunktionella arbetslag, samt kollaborativ strategiformulering.
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Friderichs, Michael. "The new banking model - digital revolution of the banking sector : the example of Commerzbank AG." Master's thesis, Instituto Superior de Economia e Gestão, 2017. http://hdl.handle.net/10400.5/14489.

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Mestrado em Finanças<br>Digitalization is one of the most interesting and important topics nowadays in the banking industry. The objective of this internship report is to understand the importance of the Challenges for the banking sector and see the start of the digitalization on the example of the Commerzbank AG. This internship report starts with the description of activities developed during the internship at Commerzbank AG Branch Luxembourg. Going over to a Literature Review which deals with Regulation of the banking sector, current banking business models and further Challenges in the Banking industry. Most interesting in the current Challenges for the banking industry are covered by investing the topics of FinTechs & digital revolution, low interest rate environment & banks profitability and the Overcapacity in the banking sector. Next, applying the topics from the Literature review on Commerzbank AG, by explaining what is the solution and strategy for the current challenges. Finally, an outlook for Commerzbank AG and personal impression from the internship will be narrated.<br>info:eu-repo/semantics/publishedVersion
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Wedberg, Ludvig. "Generation Y and digital banking : How can traditional Swedish retail banks address the needs and behavior of Generation Y in digital banking?" Thesis, KTH, Skolan för elektroteknik och datavetenskap (EECS), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-254989.

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The financial sector is transforming as a result of PSD2 and open banking. The traditional retail banks face new competition from FinTechs and BigTechs. 78 percent of Nordic banks are concerned by the threat of disruption and 88 percent think that they need to rethink their business model. Customer experience and customer journeys are crucial as customer expectations is one of the major driving forces for the changing industry.Generation Y (1989 2000) is often defined as early adopters and digital natives which makes them an important but challenging customer segment. According to the Millennial Disruption Index, the banking industry is at the highest risk of disruption from generation Y. This study focus on how traditional Swedish retail banks can manage digital transformation and the needs and behavior of the Swedish generation Y. To identify the needs and demands of generation Y, four focus groups was conducted with 31 participants and four semi-structured interviews. The results was analyzed and related to a customer journey framework and the concept of platform banking.The results indicate that the Swedish generation Y demands personalized services and products as well as tailored Omni-channel experiences. They demand an expansion of financial services in the form of a “one-stop-shop”. In order to meet these demands, traditional Swedish retail banks must utilize their customer data and weight the Swedish generation Y´s trust in their security. This will enable them to develop superior customer experiences as well as extending their context and establish themselves as banking platforms.<br>Den finansiella sektorn förändras till följd av PSD2 och open banking. De traditionella bankerna möter ny konkurrens från FinTechs och BigTechs. 78 procent av de nordiska bankerna är oroade av förändringarna och 88 procent tycker att de behöver ompröva sin affärsmodell. Kundupplevelser och kundresor är avgörande eftersom kundernas förväntningar är en av de viktigaste drivkrafterna för den föränderliga industrin.Generation Y (1989 2000) definieras ofta som digitala pionjärer vilket gör dem till ett viktigt men utmanande kundsegment. Enligt studien ”Millennial Disruption Index” har banksektorn den högsta risken för störningar från Generation Y. Denna studie fokuserar på hur traditionella svenska banker kan hantera digital transformation och den svenska generation Ys behov och beteende. För att identifiera behov och krav från generation Y genomfördes fyra fokusgrupper med 31 deltagare samt fyra semi-strukturerade intervjuer. Resultaten analyserades och relaterades till en kundrese teori samt konceptet om plattformsbanker.Resultaten indikerar att den svenska generation Y kräver personliga tjänster och produkter samt skräddarsydda Omni-kanalupplevelser. De kräver en expansion av finansiella tjänster i form av en "one-stop-shop". För att möta dessa krav måste traditionella svenska banker använda deras kunddata och utnyttja den svenska generation Ys förtroende för deras säkerhet. Detta kommer att göra det möjligt för dem att utveckla överlägsna kundupplevelser såväl som att utvidga sitt sammanhang och etablera sig som bankplattformar.
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Lee, Jihyun. "Factors affecting intention to use online financial services." The Ohio State University, 2004. http://rave.ohiolink.edu/etdc/view?acc_num=osu1064325414.

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Books on the topic "Use of Digital banking"

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Van Hijfte, Stijn. Digital Banking. Apress, 2023. http://dx.doi.org/10.1007/978-1-4842-9184-9.

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Brühl, Volker, and Joachim Dorschel, eds. Praxishandbuch Digital Banking. Springer Fachmedien Wiesbaden, 2018. http://dx.doi.org/10.1007/978-3-658-18890-0.

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Łasak, Piotr, and Jonathan Williams. Digital Transformation and the Economics of Banking. Routledge, 2023. http://dx.doi.org/10.4324/9781003340454.

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Endress, Tobias. Digital Project Practice for Banking and FinTech. Auerbach Publications, 2024. http://dx.doi.org/10.1201/9781003395560.

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Scott, Melissa, editor, book designer, ed. Digital banking tips: Practical ideas for disruptors. Digital Banking Tips, 2015.

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Liermann, Volker, and Claus Stegmann, eds. The Digital Journey of Banking and Insurance, Volume II. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-78829-2.

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Liermann, Volker, and Claus Stegmann, eds. The Digital Journey of Banking and Insurance, Volume III. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-78821-6.

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Liermann, Volker, and Claus Stegmann, eds. The Digital Journey of Banking and Insurance, Volume I. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-78814-8.

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Gąsiorkiewicz, Lech, and Jan Monkiewicz. The Digital Revolution in Banking, Insurance and Capital Markets. Routledge, 2023. http://dx.doi.org/10.4324/9781003310082.

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Gavrilov, Leonid. Information technologies in commerce. INFRA-M Academic Publishing LLC., 2021. http://dx.doi.org/10.12737/1085795.

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The textbook discusses the technologies of the digital economy in commerce: visualization systems, virtual and mixed reality technologies, risk management, budgeting and planning, service-oriented enterprise architecture. The use of intelligent information systems in the work of the enterprise and for forecasting sales, scoring, combating fraud in the banking sector and trade; wireless information networks of 4G and 5G standards, Internet of Things networks, mobile technologies in the work of retail and wholesale enterprises is shown.&#x0D; Meets the requirements of the federal state educational standards of higher education of the latest generation.&#x0D; For students of higher educational institutions studying in the field of training "Trade business".
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Book chapters on the topic "Use of Digital banking"

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Dittmar, Harro, Arne Schmüser, and Farah Skaf. "Use Case: NFR—HR Risk." In The Digital Journey of Banking and Insurance, Volume II. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-78829-2_4.

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Liermann, Volker, Sangmeng Li, and Johannes Waizner. "Use Case—Nostro Accounts Match." In The Digital Journey of Banking and Insurance, Volume II. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-78829-2_2.

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Nghiêm-Phú, Bình, and Thành Hưng Nguyễn. "Antecedents of user acceptance of digital banking service." In Digital Transformation Management. Routledge, 2022. http://dx.doi.org/10.4324/9781003224532-12.

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Liermann, Volker, and Marian Tieben. "Use Case: NFR—Using GraphDB for Impact Graphs." In The Digital Journey of Banking and Insurance, Volume II. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-78829-2_6.

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Enzinger, Philipp, and Sangmeng Li. "Use Case—Fraud Detection Using Machine Learning Techniques." In The Digital Journey of Banking and Insurance, Volume II. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-78829-2_3.

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Kuntari, Y., A. Chariri, T. J. W. Prabowo, and Nurdhiana. "The use of internet media by micro banking Regional Owned Enterprises (ROEs) — evidence in Indonesia." In Facing Global Digital Revolution. Routledge, 2020. http://dx.doi.org/10.1201/9780429322808-3.

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Arifin, Agus Zainul, Khairina Natsir, Made Setini, and Herie Darmawan. "Driving Factors for Digital Technology Innovation in Financial Markets in Indonesia." In Proceedings of the 19th International Symposium on Management (INSYMA 2022). Atlantis Press International BV, 2022. http://dx.doi.org/10.2991/978-94-6463-008-4_14.

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AbstractThis study aims to investigate the relationship between Perceived Usefulness and Perceived Risk on Intention to Use mediated by attitude on the use of Fintech with the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB) theoretical approaches. The testing of the model used primary data, namely by distributing online questionnaires using the google form application. The respondents were 202 banking and marketplace services users domiciled in the Greater Jakarta area (Jabodetabek). Data were collected using the non-probability sampling method data analysis using the multiple regression method with the Smart PLS version 3.0 program. The study results show that Perceived Risk and Perceived Usefulness positively affect Intention to Use and attitude mediates the relationship between Perceived Risk and Perceived Usefulness on Intention to Use. This research is the first attempt to use digital banking service users simultaneously in Indonesia with two theoretical approaches.
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Milova, I. E., A. S. Knyaz’kina, and A. M. Mozgunova. "The Use of Digitalization in the Characterization of Illegal Banking Activity." In Current Achievements, Challenges and Digital Chances of Knowledge Based Economy. Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-47458-4_78.

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Liermann, Volker, Sangmeng Li, and Christoph Wünnemann. "Use Case: Optimization of Regression Tests—Reduction of the Test Portfolio Through Representative Identification." In The Digital Journey of Banking and Insurance, Volume II. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-78829-2_1.

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Qureshi, Imran, Mohammed Abdul Habeeb, Burhanuddin Mohammad, and Syed Ghouse Mohiuddin Shadab. "Use of Blockchain Technology in Banking Industry and Evolution of Digital Currency." In Recent Advances in Management and Engineering. CRC Press, 2024. http://dx.doi.org/10.1201/9781003532026-35.

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Conference papers on the topic "Use of Digital banking"

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Hayuning Adi, Maria Paramastri, Aliekah Chandra, Agustinus Winoto, and Metya Kartikasary. "Determining Factors of the Intention to Use Digital Banking." In 2024 9th International Conference on Business and Industrial Research (ICBIR). IEEE, 2024. https://doi.org/10.1109/icbir61386.2024.10875979.

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Widjaja, Reagan, and Anderes Gui. "Factors Influencing the Intention to Use Digital Banking in the Greater Jakarta." In 2024 International Conference on Intelligent & Innovative Practices in Engineering & Management (IIPEM). IEEE, 2024. https://doi.org/10.1109/iipem62726.2024.10925707.

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M, Asmitha, and Kavitha C.R. "Decentralized User Wallet: Transforming Digital Banking with Blockchain." In 2024 8th International Conference on I-SMAC (IoT in Social, Mobile, Analytics and Cloud) (I-SMAC). IEEE, 2024. http://dx.doi.org/10.1109/i-smac61858.2024.10714769.

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Sujanto, Sarah Andien, Justin Filbert Surya, Justin Ramaputra, and Anderes Gui. "User Satisfaction in Digital Banking Through Artificial Intelligence." In 2024 International Conference on Intelligent Cybernetics Technology & Applications (ICICyTA). IEEE, 2024. https://doi.org/10.1109/icicyta64807.2024.10913293.

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Huang, Yi-Ting, Tzu-Hsuan Wang, and Cian-Yu Lin. "Optimization of User-Centric Step Indicator for Digital Banking Interface." In 2024 International Conference on Consumer Electronics - Taiwan (ICCE-Taiwan). IEEE, 2024. http://dx.doi.org/10.1109/icce-taiwan62264.2024.10674275.

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Anwar, Shaista, Ghalia Alburaiki, Ali Ibrahimi, and Lulu Qadri. "Digital Banking Issues Experienced by Older People." In 2024 10th International Conference on Optimization and Applications (ICOA). IEEE, 2024. http://dx.doi.org/10.1109/icoa62581.2024.10754510.

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Tanika, Christine, William, Michael Putra Hartanto, and Miranda Tanjung. "Factors Influencing Indonesian Consumers to Use Digital Banking." In 2022 International Conference on Informatics, Multimedia, Cyber and Information System (ICIMCIS). IEEE, 2022. http://dx.doi.org/10.1109/icimcis56303.2022.10017694.

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Neogradi, Slađana. "The use of digital banking by persons with disabilities." In XIX International May Conference on Strategic Management – IMCSM24 Proceedings. University of Belgrade, Technical Faculty in Bor, 2024. http://dx.doi.org/10.5937/imcsm24056n.

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The aim of the research is to examine the use of banking services by employed persons with disabilities, viewed through the assessment of daily life activities and the use of digital banking services. The research will cover about 350 bank clients who are employees with disabilities, of both sexes, over 18 years of age. A specially designed questionnaire for research purposes will be used to assess the use of digital banking services. The questionnaire for employed persons with disabilities, consisting of 8 multiple-choice questions, was forwarded to the respondents via e-mail, and part of the respondents was surveyed using the personal interview method. The research was conducted by sending questionnaires to the email addresses of 350 respondents in the territory of the city of Belgrade. During the empirical research, 155 questionnaires were collected. We consider this sample to be representative for the territory of the city of Belgrade. The total number of employed persons with disabilities on the territory of Serbia is 17.500 compared to the total number of inhabitants, which is 6.690.887 (data from the Bureau of Statistics from 2022), which represents 0.26%. Accordingly, the geographical focus only on the city of Belgrade is a limitation of this research, and further scientific and research activity of the author will be directed to the implementation of similar research in a wider geographical area of Serbia and a greater coverage of municipalities throughout the territory of our country. This will more accurately determine the influence of the respondents' geographical characteristics on the degree of development of the attitudes of employed persons with disabilities when it comes to digitalization, the most acceptable distribution channels and client information about the advantages of mobile banking.
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Huaman-Romani, Yersi-Luis, Maria-Gregoria Sanchez-Prieto, Maria-Veronica Seminario-Morales, and Lucy-Marisol Reyes-Arteaga. "Perspectives and parameters for the use of digital banking." In 2022 IEEE ANDESCON. IEEE, 2022. http://dx.doi.org/10.1109/andescon56260.2022.9989633.

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Louis, Evelyn Nathania, Eduardus Steven Sartono, Elisa Patricia, et al. "Factors Influencing Customers Intention to Use Digital Banking Services." In 2023 IEEE Symposium on Industrial Electronics & Applications (ISIEA). IEEE, 2023. http://dx.doi.org/10.1109/isiea58478.2023.10212252.

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Reports on the topic "Use of Digital banking"

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Cerda, Maikol, David Cervantes, Paul Gertler, et al. Research Insights: How Has the COVID-19 Pandemic Affected Micro, Small, and Medium Enterprises’ Use of Online Banking? Inter-American Development Bank, 2023. http://dx.doi.org/10.18235/0005256.

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The COVID-19 pandemic has significantly accelerated the digitalization of micro, small, and medium Enterprises (MSMEs) in Latin America. The shift from in-person to online banking transactions has been both significant and permanent, becoming more important not only during the lockdowns but also after the economic recovery. This digital transformation has been observed across all industries, firm sizes, and geographical locations, indicating a broad-based response to the pandemics challenges.
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Chotelal, Shreshta, Marla Dukharan, Jeetendra Khadan, and Melissa Marchand. Financial Inclusion and FinTech in Suriname. Inter-American Development Bank, 2022. http://dx.doi.org/10.18235/0003988.

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This paper examines the potential role FinTech can play to support Surinames financial inclusion efforts. Financial technologyor “FinTech”describes the integration of technology into financial services to improve their use and delivery to customers. More importantly, it has the potential to meet the needs of those population segments that are not the main target of traditional financial services models. FinTech applications include mobile banking, mobile money, point-of-sale, e-commerce, and digital currencies. These solutions have contributed to financial inclusion, strengthening financial development, economic growth, poverty reduction, and socioeconomic development. We find that Suriname is making progress in promoting the development and use of FinTech. Still, there is room for further improvement, especially in fostering an enabling environment to harness FinTech opportunities, strengthening broader financial sector policies, addressing potential risks, promoting international collaboration, and addressing critical country-specific challenges.
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Rivera Picado, Carlo Magno, Lucia Latorre, Eduardo Rego, Lorenzo De Leo, and Mariana Gutierrez. Tech Report: RPA. Inter-American Development Bank, 2024. http://dx.doi.org/10.18235/0013018.

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The scalability of RPA allows companies to adjust their robotic workforce according to fluctuating demands, improving not only operational efficiency but also employee satisfaction and strategic focus. With applications ranging from data processing and verification to supply chain management, RPA has become a transformative tool in sectors such as banking, retail, customer support, and human resources management, demonstrating its potential to optimize processes and improve decision-making across a wide range of industries. The adoption of RPA in Latin America, partly driven by the COVID-19 pandemic, highlights its role in accelerated digital transformation, focusing on business continuity, risk reduction, and knowledge generation. Financial institutions and retail companies, in particular, have adopted RPA to enhance operational efficiency and customer service, with successful use cases showing significant time and cost savings, as well as improvements in customer experience.
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Papí-Gálvez, Natalia, and Daniel La Parra-Casado. Informe 2022. Càtedra de Bretxa Digital Generacional. Les persones majors en l’era de la digitalització a la Comunitat Valenciana (Dades 2021). Càtedra de Bretxa Digital Generacional, 2022. http://dx.doi.org/10.14198/bua.2022.papi.infv.

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The Research Chair in the Generational Digital Divide undertakes activities aimed at furthering knowledge about the causes, consequences and solutions to the digital divides caused by age gaps. This report shows the research project carried out in 2021 to learn more about how the digital divide affects over 54s living in the Valencia Region, by province, with a focus on intergenerational relationships. To this end, an exploratory survey targeted at over 54s years old and over 39s years old in the Valencia Region, based on primary sources and combining quantitative and qualitative techniques, has been conducted. The data reveals that, while a large percentage of over 54s declare that they have access to and are users of new technologies, much remains to be done for access and usage to become universal, especially at older ages. The report analyses how technology is used, considering its purpose and context, according to age and other significant variables. Differences in technology usage have been found across age groups and between women and men. The report contains information on, among other relevant aspects, online services, and especially on e-banking, the healthcare system and e-administration. Differences between age groups have been found for all indicators, shedding light on intergenerational relationships within the family that are crucial for older people. The Research Chair is an initiative by the Valencia Region Government’s Directorate General for the Fight Against the Digital Divide and stems from the collaboration between the Regional Department for Innovation, Science, Universities and Digital Society and the University of Alicante.
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Mader, Philip. What are the Enablers and Impacts of Digital Financial Services? An Updated Evidence Gap Map. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.064.

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This paper supersedes a report published in May 2022 on an earlier version of the online interactive evidence gap map (EGM) on digital financial services (DFS) (Mader et al. 2022a). The current EGM can be found and explored here. This paper presents the results of a more recent updated search for studies. Our initial search in 2021 had identified 205 relevant studies, of which 40 studies were categorised by us as high confidence, 97 as medium confidence, and 68 as low confidence. The update search in November 2022 identified a further 521 studies for the period from May 2021 to November 2022. Of these, 315 met our inclusion criteria and were assessed based on the same criteria as before. We categorised 19 of these studies as high confidence, 129 as medium confidence, and 167 as low confidence. In terms of findings from the EGM following the update, we note that the evidence base has continued growing rapidly, showing topical and geographic clusters as well as important gaps. Notably, between 2021 and 2022, low-confidence studies were published at a much faster rate than high-confidence studies. Methodologically, the evidence base is still dominated by quantitative approaches, and experimental study designs dominate among the high-confidence studies. The geographical focus of many studies remains East Africa and South Asia, although the update indicates a widening geographical scope, with a considerable number of studies now focusing on China. The dominant service studied remains mobile money, although more recent studies have also examined ‘DFS’ in general as well as broader categorisations such as ‘fintech’, which include mobile banking and/or mobile money.
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Papí-Gálvez, Natalia, and Daniel La Parra-Casado. Informe 2022. Cátedra de Brecha Digital Generacional. Las personas mayores en la era de la digitalización en la Comunidad Valenciana (datos 2021). Cátedra de Brecha Digital Generacional, 2022. http://dx.doi.org/10.14198/bua.2022.papi.infc.

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The Research Chair in the Generational Digital Divide undertakes activities aimed at furthering knowledge about the causes, consequences and solutions to the digital divides caused by age gaps. This report shows the research project carried out in 2021 to learn more about how the digital divide affects over 54s living in the Valencia Region, by province, with a focus on intergenerational relationships. To this end, an exploratory survey targeted at over 54s years old and over 39s years old in the Valencia Region, based on primary sources and combining quantitative and qualitative techniques, has been conducted. The data reveals that, while a large percentage of over 54s declare that they have access to and are users of new technologies, much remains to be done for access and usage to become universal, especially at older ages. The report analyses how technology is used, considering its purpose and context, according to age and other significant variables. Differences in technology usage have been found across age groups and between women and men. The report contains information on, among other relevant aspects, online services, and especially on e-banking, the healthcare system and e-administration. Differences between age groups have been found for all indicators, shedding light on intergenerational relationships within the family that are crucial for older people. The Research Chair is an initiative by the Valencia Region Government’s Directorate General for the Fight Against the Digital Divide and stems from the collaboration between the Regional Department for Innovation, Science, Universities and Digital Society and the University of Alicante.
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Mariani, Lucas A., José Renato Haas Ornelas, and Bernardo Ricca. Banks’ Physical Footprint and Financial Technology Adoption. Inter-American Development Bank, 2023. http://dx.doi.org/10.18235/0004842.

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We investigate how the presence of physical bank branches moderates financial technology diffusion. Our identification strategy uses services suspensions caused by criminal groups that perform hit-and-run raids exploding branch facilities and rendering them inoperable for months. We show that the shock depletes the cash inventory of branches, but the stock of credit and deposits remain unaffected. We then document that customers increase their usage of noncash payments after the events. We investigate a new instant payment technology called Pix that was a remarkable success in terms of adoption. After robbery events, the number and value of Pix intra-municipality transactions increase, as well as the number of users. We also find Pix usage spillover effects that go beyond cash substitution. First, the number of Pix transactions and users also increases when either the payer or the payee is in an unaffected municipality. Second, we show that there are local spillovers to digital institutions, indicating that cash dependence can be an impediment to their expansion. Our results shed light on the determinants of technology adoption and the consequences of the recent transition in the banking industry from a physical branch-based model to an increasing reliance on digital services.
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D\'Addario, Josh, and Olivier Thereaux. Unlocking the world of digital corporate banking. Open Data Institute, 2022. http://dx.doi.org/10.61557/luxc4276.

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Volkova, Nataliia P., Nina O. Rizun, and Maryna V. Nehrey. Data science: opportunities to transform education. [б. в.], 2019. http://dx.doi.org/10.31812/123456789/3241.

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Abstract:
The article concerns the issue of data science tools implementation, including the text mining and natural language processing algorithms for increasing the value of high education for development modern and technologically flexible society. Data science is the field of study that involves tools, algorithms, and knowledge of math and statistics to discover knowledge from the raw data. Data science is developing fast and penetrating all spheres of life. More people understand the importance of the science of data and the need for implementation in everyday life. Data science is used in business for business analytics and production, in sales for offerings and, for sales forecasting, in marketing for customizing customers, and recommendations on purchasing, digital marketing, in banking and insurance for risk assessment, fraud detection, scoring, and in medicine for disease forecasting, process automation and patient health monitoring, in tourism in the field of price analysis, flight safety, opinion mining etc. However, data science applications in education have been relatively limited, and many opportunities for advancing the fields still unexplored.
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Fernández-Villaverde, Jesús, Daniel Sanches, Linda Schilling, and Harald Uhlig. Central Bank Digital Currency: Central Banking For All? National Bureau of Economic Research, 2020. http://dx.doi.org/10.3386/w26753.

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