INNOVATIVE DEVELOPMENT OF THE ACTIVITIES OF UKRAINIAN BANKS: TRENDS, STATE AND PROVISION OF FINANCE (ON THE EXAMPLE OF JSC "PUMB")

Анотація

In the conditions of change in the market environment, new information banking technologies are appearing, which have a favorable effect on the banking sector and the development of the economy. It was determined that the introduction of innovative technologies will ensure the activation of innovative development of banks, which will contribute to increasing competitiveness, work efficiency, and also guarantee the trust of clients. It was found that an important task of the bank is to provide innovative activities in order to improve their work. The directions of innovative development of JSC "PUMB", in which the bank constantly directs investments, are considered. It was determined that digital banking products and services for remote customer service are being used, online service for individuals is carried out in the "PUMB Online" application, and online service for corporate clients in the "PUMB Online" application. An analysis of the effectiveness of the innovative activities of JSC "PUMB" was conducted and it was determined that during 2021 there will be an improvement in the economic efficiency of innovations, an increase in profit growth, which indicates the effectiveness of innovative banking technologies. The state of financial support for the innovative activities of JSC "PUMB" was investigated and the insufficient level of provision of financial resources was determined, which is due to the negative influence of factors of the internal and external environment. Problems in the innovative activity of the banking sector are identified, namely: slow introduction of information banking technologies; insufficient level of financial support and high cost of innovative technologies; adverse investment environment; lack of qualified personnel; variability of the legislative framework; increase in the level of economic risk; a small number of scientific organizations involved in the development of information banking technologies; lack of interest of banks in innovative development. Ways to activate the innovative development of the bank have been formed. The implementation and use of innovations in banking requires financial support and will allow to obtain additional income, increase the effectiveness of banking supervision and control, neutralize the impact of risks, and create conditions for stable development.

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