WHICH WILL OCCUR WITH THE COMMERCIAL BANKS IN THE DIGITAL ECONOMY
Yu.G. Shvetsov, N.V. Suntsova, V.G. Koreshkov
Altai State Technical University, Lenina Ave., 46, Barnaul, 656038
Keywords: цифровая экономика, электронный банкинг, криптовалюта, кредитование, цифровые активы, блокчейн, искусственный интеллект, банки, кредиты, виртуальные помощники, digital economy, electronic banking, crypto-currency, lending, digital assets, blockchain, artificial intelligence, banks, loans, virtual assistants
Abstract
The article examines the objective processes of changing the content of banking activities in the era of widespread use of digital technologies in all areas of institutional structures of society. The essence of new types of banking products based on the expanding boundaries of the use of various forms of artificial intelligence in business is disclosed, the characteristic features of payments in conventional currency and crypto currency are analyzed, the prospects for their spread in the near future are estimated, and the inevitability of significant changes in the mechanism of financial intermediaries functioning is substantiated. The conclusion is made about the transient nature of labor costs in the infrastructure of the credit system and the tendency to turn it into a product of virtual space.
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