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ISSN:
2776-1010
Volume 3, Issue 4, Apr, 2022
510 ISSN:
2776-1010
Volume 3, Issue 4, Apr, 2022
510
banking operations and the inability of businesses to increase their settlement operations in a limited
period of time is a challenge today and the solutions to these problems are insufficiently disclosed.
Methodology
In this study, statistical tables and graphs, analytical comparisons, logical and comparative analysis,
grouping methods, as well as research work of foreign and domestic scientists on the subject were
widely used.
Analysis and Results
It is known from world practice that the cheapness of banking products and services does not ensure
the expansion of its users. In recent years, new forms of financing and growing demand for
technological services have led to a sharp increase in telecommunications in the banking sector. With
the global expansion of the Internet, it is increasingly recognized as an important tool for the
development of information and communication technologies, contributes to global integration and,
like many industries, serves to increase the efficiency of the banking system.
Internet technology has revolutionized the global banking and payment system. This provides banks
with additional facilities for customers in developed countries and new opportunities for a large
population in emerging markets [17]. Today, 32 commercial banks operate in the country. Each bank
has developed its own mobile applications, which provide banking services remotely 24/7. Developed
with the help of modern information technology programs, the bank can be called "Virtual Banking"
for users of mobile applications.
The use of banking services through commercial banks, their branches, banking service centers (service
offices and mini-banks) and 24/7 outlets to some extent duplicates traditional banking activities. That
is, the client will have to visit the bank (other forms). Of course, it also depends on the type of service
used. For example, in case of withdrawing funds from a plastic card in cash, obtaining loans, it is
necessary to visit banking institutions (or branches).
However, an easy and convenient solution for remote access to popular banking services, which are in
increasing demand today, is the services of the digital banking regulator system «Digital banking». Of
these services, not only for individuals, but also for businesses, they have the opportunity to make their
payments around the clock, as well as save extra time and costs of travel to the bank.
Currently, the remote service system can be divided into two types of services provided to customers:
- Plastic card;
- Through commercial banks.
We offer a third type of service, this type of service:
- Ecosystem with all payments and services for individuals and businesses, with 24/7 online service.
Advantages of the ecosystem:
- Business entities can use their accounts via ETsR (electronic key issued by the tax authorities),
anywhere and at any time in the world where the Internet is available;
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