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The evolution of commercial banks in digital economy
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The evolution of commercial banks in digital economy
Annotation
PII
S020736760004133-5-
DOI
10.31857/S020736760004133-5
Publication type
Article
Status
Published
Authors
Yu. Shevtsov 
Affiliation: Altai State Technical University (ASTU)
Address: Russian Federation
N. Suntsova
Affiliation: Altai State Technical University (ASTU)
Address: Russian Federation
V. Koreshkov
Affiliation: Altai State Technical University (ASTU)
Address: Russian Federation
Edition
Issue 2
Pages
30-42
Abstract

The article discusses the apparent processes of changing the character of banking in the era of digital technologies spreading into all institutional structures of society. The essence of new types of banking products based on expanding the use of various forms of artificial intelligence by businesses is revealed. The special features of payments in ordinary banknotes and cryptocurrency are analyzed, along with the prospects for their spread in the near future. The reasons are given for the inevitability of significant changes in the mechanism of financial mediation. The author comes to the conclusion that the nature of labor costs in the infrastructure of the credit system is temporal and there is a tendency of it turning into a product of virtual environment.

 

Keywords
digital economy, electronic banking, cryptocurrency, lending, digital assets, blockchain, artificial intelligence, banks, loans, virtual assistants
Received
27.02.2019
Date of publication
14.03.2019
Number of purchasers
89
Views
2594
Readers community rating
0.0 (0 votes)
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S020736760004133-5-1 Дата внесения правок в статью - 20.02.2019
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