Subject. The digital economy emerged as a new generation of financial instruments, such as cryptocurrencies, were invented and proliferated, which were able to counteract global challenges. Those who oppose to the legitimization of digital assets and their integration into the payment infrastructure do not point out material advantages and support drastic transformations of the existing financial system. However, assuming very risky digital payments, the scope of cruptocurrency still grows. The article presents the outcome of intellectual text analysis of feedback left by users of electronic banking and digital cryptocurrency systems. Doing so, we determined to what extent they are satisfied with various systems. Objectives. The study is intended to provide the theoretical and methodological rationale for, and practically test the model that determines key themes in analyzable non-structured big data and allows to automatically evaluate the satisfaction of users with various payment systems. Methods. We resorted to the formal logic, systems approach, methods of comparative analysis, text mining and latent semantic analysis. Results. We analyzed reviews uploaded to www.banki.ru and www.otzovik.ru through parsing, stop word elimination, stemming, probabilistic thematic modeling based on the latent semantic analysis. We assessed to what extent users are satisfied with various systems by examining their reviews through the text tone analysis, the k-nearest neighbor algorithm and automated scoring of unrated reviews. Conclusions and Relevance. Text mining of unstructured big data shows that digital platforms, notwithstanding their infancy and high risks, already mostly satisfy social needs as compared to electronic banking systems, which determines the reasonableness of integrating them into the payment system to unlock their potential.
Keywords: text mining, cryptocurrency, modeling, digital systems, electronic systems
Schwab K. Chetvertaya promyshlennaya revolyutsiya [The Fourth Industrial Revolution]. Moscow, Eksmo Publ., 2018, 285 p.
Popov N.V. [Technology of the distributed registry (blocked): Historical aspect]. Intellekt. Innovatsii. Investitsii = Intellect. Innovation. Investment, 2019, no. 2, pp. 65–72. (In Russ.)
Babkin A.V., Burkal'tseva D.D., Pshenichnikov V.V., Tyulin A.S. [Cryptocurrency and blockchain technology in digital economy: development genesis]. Nauchno-tekhnicheskie vedomosti SPbGPU. Ekonomicheskie nauki = St. Petersburg State Polytechnical University Journal. Economics, 2017, vol. 10, no. 5, pp. 9–22. URL: Link (In Russ.)
Zakorzhevskii V.V. [Cryptocurrency – review, principle of operation, current use, legal regulation]. Global'nye rynki i finansovyi inzhiniring = Global Markets and Financial Engineering, 2016, vol. 3, no. 4, pp. 281–294. URL: Link (In Russ.)
Ageev A.I., Loginov E.L. [Cryptocurrencies, markets and institutions]. Ekonomicheskie strategii = Economic Strategies, 2018, vol. 20, no. 1, pp. 94–107. (In Russ.)
Andryushin S.A. [Change paradigm of money system: From centralization to decentralization]. Aktual'nye problemy ekonomiki i prava = Actual Problems of Economics and Law, 2018, vol. 12, no. 2, pp. 204–220. (In Russ.) URL: Link
Genkin A.S., Mikheev A.A. Blokchein: Kak eto rabotaet i chto zhdet nas zavtra [Blockchain: How it works and what awaits us tomorrow]. Moscow, Al'pina Pablisher Publ., 2018, 592 p.
Dudin M.N., Shakhova M.S. [EEU single electronic currency: Myth or reality]. Ekonomika i sotsium: sovremennye modeli razvitiya = Economics and Society: Modern Models of Development, 2019, vol. 9, no. 2, pp. 260–276. (In Russ.)
Esipov A.V. [Blockchain, cryptocurrency and possible directions of development of banking technologies]. Uchenye zapiski mezhdunarodnogo bankovskogo instituta = Academic Notes of the International Banking Institute, 2018, no. 1, pp. 120–126. (In Russ.)
Zharikov M.V. [New currencies in the international financial architecture: A hypothesis of the BRICS currency unit]. Ekonomika. Nalogi. Pravo = Economics. Taxes & Law, 2018, vol. 11, no. 6, pp. 39–49. URL: Link (In Russ.)
Prokhorov V.V., Panteleev V.I. [Digital financial assets as the basis of public-private partnerships]. Vestnik Altaiskoi akademii ekonomiki i prava = Bulletin of the Altai Academy of Economics and Law, 2019, no. 3-2, pp. 150–154. URL: Link (In Russ.)
Usoskii V. [Cryptocurrency as technogenic myth]. Банкаўскі веснік, 2019, no. 4, pp. 35–48. (In Russ.)
Fiapshev A.B. [The phenomenon of digital currencies as an alternative to fiat money]. Ekonomika. Nalogi. Pravo = Economics. Taxes & Law, 2020, vol. 13, no. 5, pp. 80–87. URL: Link (In Russ.)
Kuftinov S.S. [Stemming algorithm study for Russian language]. Uchebnyi eksperiment v obrazovanii = Simulated Experiment in Education, 2012, no. 3, pp. 48–51. (In Russ.)
Krasina E.A. [Word order in Russian: Free or fixed?]. Uchenye zapiski Natsional'nogo obshchestva prikladnoi lingvistiki = Academic Notes of the National Society of Applied Linguistics, 2016, no. 4, pp. 62–67. (In Russ.)
Salton G., Buckley C. Term-Weighting Approaches in Automatic Text Retrieval. Information Processing and Management, 1988, vol. 24, iss. 5, pp. 513–523. URL: Link90021-0
Korshunov A., Gomzin A. [Thematic modeling of natural language texts]. Trudy Instituta sistemnogo programmirovaniya RAN = Proceedings of the Institute for System Programming of the RAS, 2012, vol. 23, pp. 215–244. URL: Link (In Russ.)
Landauer T.K., Dumais S.T. A Solution to Plato's Problem: The Latent Semantic Analysis Theory of Acquisition, Induction, and Representation of Knowledge. Psychological Review, 1997, vol. 104, no. 2, pp. 211–240. URL: Link
Duda R., Hart P. Raspoznavanie obrazov i analiz stsen [Pattern Classification and Scene Analysis]. Moscow, Mir Publ., 1976, 511 p.