Assessment of the use of digital banking as a part of banks’ credit management system in Ukraine

Анотація

The spread of the global digitalisation trend leads to changes in banking service methods, in particular, in matters of obtaining credit resources, which are associated with increasing the convenience and security of the products and services offered and expanding their range. In addition, digitalisation leads to changes in the preferences of customers who seek to optimize interaction with the bank through modern digital technologies. One such method is digital banking, which provides banking services remotely via the Internet based on advantages such as convenience, speed, time and geographical availability in use, which determines the relevance of the issue of introducing digital banking into the activities of banks as a component of the credit management system. Therefore, today, the topical issue is the introduction of digital banking into banks’ activities and the users’ attraction to its use. The study aims to assess the level of use of digital banking by leading banks in Ukraine and its spread among the population. The article characterizes the concept of digital banking, presents its features in the context of its functioning within the credit management system in the bank. The level of use of digital banking was assessed based on the analysis of such indicators as the number of readers of the official web pages of Ukrainian banks, the level of attendance of bank websites, the number of downloads of mobile applications, assessment of users of mobile applications in Google Play and App Store. Fifteen of the most popular banks in Ukraine were selected for analysis. Banks’ official websites were also analysed according to criteria characterising the convenience of using the sites and the availability of obtaining the necessary information. Based on the calculation of the population’s integral indicator of the use of digital banking, the growth of demand among users for digital banking services was proven. The calculated integral indicator gave grounds to assert a high level of digital banking in Ukraine and its active use by Ukrainians.

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