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The future development of banking given spreading digital technologies

Strel'nikov V.V. Don State Technical University (DSTU), Rostov-on-Don, Russian Federation ( )

Journal: Finance and Credit, #9, 2019

Subject The article reviews the modern banking, considering challenges it faces due to the emergence of digital economy worldwide. I also focus on aspects that significantly transform in banking, and study avenues of its further development given the growing competition of technological companies.
Objectives The research provides the rationale for organizational and technological priorities in the development of the Russian banking and determines whether it is possible to maintain and improve the quality of banking.
Methods The research relies upon general scientific methods, systems approach, statistical and comparative analysis, expert assessment, summaries, logic and functional analyses.
Results The article justifies the certainty of organizational and technological priorities set to transform the Russian banking system due to the diffusion of banking and non-banking operations in financial relationships. The primary substance of banking should be preserved so that the technocratic approach could be overwhelmed, resulting from the intensive technological digitization.
Conclusions and Relevance Despite the effectiveness of new digital technologies, the banking process is not stepping down, but rather diffuses with such technologies. The development of core banking will have an ever increasing systemic significance. In the new environment of financial relationships, banks should keep their competitive advantages. It is important for banks not only turn into fintechs, but also make use of their expansion and enhancement. The findings can be used to develop and formulate new principles for banking development given its global digitization.

The effectiveness of banking services in the mortgage lending market

Usova N.V. Ural State University of Economics, Yekaterinburg, Russian Federation ( )

Loginov M.P. Ural State University of Economics, Yekaterinburg, Russian Federation ( )

Strel'nikov E.V. Ural State University of Economics, Yekaterinburg, Russian Federation ( )

Journal: Finance and Credit, #11, 2018

Subject This article discusses the expansion of the set of marketing tools used by commercial banks to attract and retain customers. In particular, the article considers such a tool as the World Wide Web space.
Objectives The article aims to develop certain recommendations to improve the economic efficiency of commercial banks in the mortgage market with the help of marketing tools.
Methods For the study, we used the methods of analysis, comparison, and systematization.
Results The article defines factors and marketing tools that allow the bank to succeed in mortgage lending. In addition, the article presents developed recommendations for increasing the demand for mortgage lending services.
Conclusions The article concludes that in order to operate both in the existing markets and enter new ones, banking institutions are not to improve the existing product line only, but also they are to offer new banking products taking into account their opportunities and competitive advantages, as well as market needs. To achieve this, banking organizations need to apply not just individual marketing tools, but also use the relation marketing, in general, which will retain the available customers, and also attract new ones for the long run.

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