The impact of modern information and financial technologies on the development of the global banking industry

Анотація

The article examines the features of the transformation of the international banking industry under the influence of information systems and financial technologies. The author focuses on the demand for the use of such technological innovations in the banking sector as artificial intelligence, blockchain, big data and cloud computing, which help optimize internal processes of banks, reduce costs and improve security. These technologies not only increase the efficiency of banking operations, but also open up new opportunities for the development of banking products and services. Particular attention is paid to the introduction of innovative financial services, including Internet banking, mobile applications and electronic payment systems that change the way banks and their customers interact. These technologies provide convenient and fast services that meet the needs of modern users. It analyzes how digital platforms and financial technologies contribute to the creation of new business models aimed at satisfying customer needs for speed, convenience and accessibility of financial services. The article also discusses global trends and challenges associated with the digitalization of the banking sector. The advantages and risks of using financial technologies are separately considered, in particular, their impact on the security and stability of banking systems. An important aspect is the need for banks to adapt to rapid changes in the technological environment, which requires continuous improvement and modernization of their infrastructures. The results of the study emphasize the strategic importance of information systems and financial technologies for maintaining and strengthening the competitive positions of banks in the international arena. The introduction of digital innovations allows banks not only to improve the efficiency of their activities, but also to provide high quality customer service, which is a key factor for success in the context of global competition. This article is an important contribution to understanding the role of modern technologies in the development of the banking industry and outlines the prospects for its further evolution.

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