Innovative development of banking infrastructure

Task. Banking is inextricably linked with the use of many different information technologies. Banks are traditionally among the most active consumers. At the same time, they most often use innovative solutions, since they assume that in the highly competitive financial markets, it is the introduction of computer innovations that will allow them to gain competitive advantages. The article considers innovative directions of development of the banking infrastructure of information technologies. Special attention is paid to the problems of outsourcing auxiliary information technologies in order to increase the efficiency of total investments in the information infrastructure, given the trends of relative reduction of Bank Informatization budgets that have emerged in recent years. One of the most important areas of development of automated banking systems is the personalization of products and services offered to customers, which is implemented both by mobile and Internet banking tools, and through the use of Big Data technologies actively implemented by many banks. Model. The article examines the current trends in it technologies that support the performance of information systems in the banking sector of the economy. Conclusions. The analysis of the main trends in this subject area to overcome such problems requires a radical change in the architecture of the information system, which may lead to the restructuring of banking business processes. It is difficult to decide on a radical restructuring of the information system, because it is a very expensive decision. Practical importance. The practical significance of the article is that the conclusions and proposals are aimed at justifying the integration of heterogeneous it applications, including at the intrabank level. This is due to the fact that many automated banking systems have developed, chaotically increasing their functionality as needed. Originality. The analysis of the main trends in this subject area to overcome this kind of problems in the article proves that a modern Bank can be considered as a digital ecosystem offering a wide range of both financial and non-financial services to meet the final needs of customers.

banks, information technology, outsourcing, mobile banking, automated banking systems, information security, artificial intelligence, big data, ecosystem