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Innovations of internet banking of commercial banks of Ukraine in the conditions of the COVID-19 pandemic

Title: 


Innovations of internet banking of commercial banks of Ukraine in the conditions of the COVID-19 pandemic


Authors: 


Ivashchuk, Olga


Affiliation: 


Western Ukrainian National University street Lvivska, 11, Ternopil, 46009, Ukraine


Bibliographic description (International): 


Ivashchuk, O. (2021) Novatsii internet-bankinhu komertsiinykh bankiv Ukrainy v umovakh pandemii COVID-19 [Innovations of internet banking of commercial banks of Ukraine in the conditions of the COVID-19 pandemic]. Sotsialno-ekonomichni problemy i derzhava [Socio- Economic Problems and the State] (electronic journal), Vol. 25, no. 2, pp. 575-585. Available at: http://sepd.tntu.edu.ua/images/stories/pdf/2021/21iooupc.pdf


Journal/Collection: 


Scientific Journal "Socio-Economic Problems and the State"


Issue: 


2(25)


Issue Date: 


Nov-2021


Submitted date: 


Oct-2021


Date of entry: 


17-Aug-2022


Publisher: 


Ternopil Ivan Puluj National Technical University


Country (code): 


UA


Place of the edition/event: 


Ternopil


ORCID Id: 


http://orcid.org/0000-0003-3997-9394


DOI:


UDC: 


https://doi.org/10.33108/sepd2022.02.575

 

336.7


JEL: 


G24
О31
О32


Keywords: 


Internet banking
non-cash payments
banking innovations
remote service
bank without branches


Number of pages: 


11


Page range: 


575-585


Start page: 


575


End page: 


585


Abstract: 


The article analyzes the features of the introduction of innovations in the Internet banking system of Ukrainian banks in the context of the COVID-19 pandemic. It is proved that the pandemic has become a catalyst for the improvement of Internet banking in terms of expanding the functionality in the field of payments on the Internet for various types of goods and services. Emphasis is placed on the fact that in 2021 the banking system of Ukraine as a whole is not innovative, as the full range of online services is provided by only 3 banks, and 8 banks can operate within the concept of "bank without branches". The main innovations that are at the testing stage are analyzed and their advantages for banks and customers are determined. Proposals for the integration of Internet banking and blockchain technologies in the conditions of high dynamics of cryptocurrency settlements in Ukraine have been developed. The aim of the article is to study the peculiarities of the development of Internet banking of domestic commercial banks in a pandemic COVID-19 to form scientifically sound recommendations for expanding the functionality of banking technologies and the direction of maximum customer satisfaction online. Research methods: The article uses general scientific research methods, in particular: analysis and synthesis - in the study of scientific literature in the field of banking innovation and Internet banking; statistical analysis and comparison - in the study of trends in the development of non-cash payments in Ukraine using Internet banking channels; generalization - in the development of recommendations for expanding the functionality of Internet banking of domestic banking institutions .. Results. The tendencies of development of non-cash payments in Ukraine through the use of Internet banking channels are analyzed, the main innovations of Internet banking, which were introduced as a result of the COVID-19 pandemic, are singled out. Proposals have been developed on the feasibility of integrating Internet banking and blockchain technologies in Ukraine, taking into account the positive trends in the development of payments using cryptocurrencies. The concepts of such innovations in the Internet banking system as a mechanism for managing the bank's profits and crowdfunding platform for the development of social projects are substantiated.


URI: 


http://elartu.tntu.edu.ua/handle/lib/38635


ISSN: 


2223-3822


Copyright owner: 


Scientific Journal "Socio-Economic Problems and the State"


URL for reference material: 


http://sepd.tntu.edu.ua/images/stories/pdf/2021/21iooupc.pdf
https://minfin.com.ua/ua/banks/online
https://finclub.net/news/koronakrizis-uskoril-razvitie-mobil-nykh-prilozhenij-bankov.html
https://tvoemisto.tv/news/samit_123007.html
https://www.monobank.ua/?utm_source=google&utm_medium=cpc&utm_campaign=pm&gclid=

CjwKCAjwq9mLBhB2EiwAuYdMtWfCIORbu9S1YogIqwTTw-

R9xFviy_bJSW7NdfRrbB0Eehfl6fzwQhoCeQMQAvD_BwE
https://www.oschadbank.ua
https://privatbank.ua/
https://bank.gov.ua
https://juscutum.com/tpost/4jj8r6ij71-yak-pratsyu-ukranskii-rinok-kriptovalyut


References (International): 


1. Androsova O. F., Bezrodna I. O. (2018) Internet-banking yak skladova ry`nku bankivs`ky`x poslug v Ukrayini. [Internet banking as a component of the banking market in Ukraine.] Visny`k Zaporiz`kogo nacional`nogo universy`tetu. Ekonomichni nauky`. No 1. S. 93-100.
2. Bala R. D., Bondarenko L. P. (2017) Tendenciyi ta perspekty`vy` rozvy`tku Internet–bankingu v Ukrayini. [Trends and prospects for the development of Internet banking in Ukraine] Finansovo-kredy`tna diyal`nist`: problemy` teoriyi ta prakty`ky`. Vol. 2. pp. 24-30.
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5. Koturanova T. V., Vartoxa Ya. S., Aleksandrova M. O. (2019) Internet-banking v Ukrayini – innovacijny`j rozvy`tok bankivs`koyi sfery`. [Internet banking in Ukraine - innovative development of the banking sector] Ekonomichny`j prostir. No 146. pp. 43-56. https://doi.org/10.30838/P.ES.2224.040719.43.532
6. Oplata bez kasy` ta platezhi cherez social`ni merezhi. pro zminy` biznesu na U Tomorrow Summit [Payment without cash and payments through social networks. about business changes at the U Tomorrow Summit]. URL: https://tvoemisto.tv/news/samit_123007.html.
7. Oficijny`j sajt Monobank [Official site of Monobank]. URL: https://www.monobank.ua/?utm_source=google&utm_medium=cpc&utm_campaign=pm&gclid=

CjwKCAjwq9mLBhB2EiwAuYdMtWfCIORbu9S1YogIqwTTw-

R9xFviy_bJSW7NdfRrbB0Eehfl6fzwQhoCeQMQAvD_BwE.
8. Oficijny`j sajt AT «Oshhadbank» [Official site of Oschadbank]. URL: https://www.oschadbank.ua.
9. Oficijny`j sajt AT KB «Pry`vatbank» [Official site of "Privatbank"]. URL: https://privatbank.ua/
10. Oficijny`j sajt Nacional`nogo banku Ukrayiny`[Official site of the National Bank of Ukraine]. URL: https://bank.gov.ua.
11. Ruda O. L. (2015) Internet-banking – bazovy`j instrument na ry`nku bankivs`ky`x poslug [Internet banking - a basic tool in the market of banking services Scientific Bulletin of Kherson State University]. Naukovy`j visny`k Xersons`kogo derzhavnogo universy`tetu. Ser. : Ekonomichni nauky`. Vol. 12(2). pp. 185-188.
12. Yak pracyuye ukrayins`ky`j ry`nok kry`ptovalyut i shho za neyi mozhna pry`dbaty` [How the Ukrainian cryptocurrency market works and what you can buy for it]. URL: https://juscutum.com/tpost/4jj8r6ij71-yak-pratsyu-ukranskii-rinok-kriptovalyut.


Content type: 


Article


Appears in Collections:


Scientific Journal "Socio-Economic Problems and the State", Vol.25, No.2

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