• International Journal of Computer Science & Network Security
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• 제22권2호
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• pp.39-46
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• 2022

The article is devoted to clarifying current trends in the digitalization of financial services. To this end, the evolution of this process in the financial sector was studied and six stages of its development were identified. The components of successful implementation of digitalization in the field of financial services and its tasks are outlined. It was found that fintech companies, which work to achieve effective interaction between the financial sector and innovative technologies in the use of mobile applications in order to most fully and quickly meet the needs of customers with financial services, are of great importance for the formation and development of digitalization in financial services. Current trends in the digitalization of financial services in Ukraine based on the use of fintech in general and banking institutions in particular are presented.

• 정보관리연구
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• 제22권2호
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• pp.47-72
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• 1991

본고(本稿)는 최근 혁신적으로 진전되고 있는 금융환경변화(金融環境變化)에 대응(對應)하기 위한 금융산업(金融産業)의 정보화전략(情報化戰略)을 제시하고자 한다. 이를 위해 국내 은행산업(銀行産業)의 정보화(情報化) 현황(現況)과 금융정보화(金融情報化)의 효과(效果)를 고찰(考察)하고, 외국(外國) 금융기관(金融機關)의 정보화(情報化) 현황(現況)과 사례(事例)를 살펴 본 후, 개방경제체제하(開放經濟體制下)에서 경쟁우위(競爭優位)를 획득(獲得) 유지(維持)하기 위한 국내(國內) 금융기관(金融機關)의 정보화(情報化) 방향(方向)과 금융산업(金融産業)의 정보화전략(情報化戰略)을 모색(摸索)한다.

• International Journal of Computer Science & Network Security
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• 제21권12spc호
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• pp.611-619
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• 2021

This article is devoted to the study of digital finance development in the global economy. The study aims to show the digital finance development level in different states and its impact on their economic development. In the course of the study, three hypotheses are put forward: 1) increased spending on innovation contributes to the competitiveness of financial services; 2) digital technology makes the financial systems of states more developed; 3) the development of digital finance contributes to the competitiveness at the level of states. Correlation and regression analysis are applied for building the empirical study. The results of the study helped to understand the digital finance concept. It also shows the main stages of digital finance development, the digitalization rank of the countries, the impact of digitalization on the financial and economic sphere. According to the results of empirical analysis, it is confirmed that the countries that invest more in innovative technologies are more developed. Therefore, digitalization has a significant value for the financial system and has a synergistic effect on all areas of the economy.

• International Journal of Computer Science & Network Security
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• 제23권11호
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• pp.53-58
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• 2023

The trend of satisfying consumer needs (payment for mobile communication, music services, cab ordering, banking products, and food delivery) on a unified online platform has shaped a digital ecosystem, an instrument creating a unified space of economic interaction. Representatives of e-commerce are major stakeholders in the development of such tools. In particular, subscription services (multiservice subscriptions) allow users to create their own ecosystems based on their personal preferences. The rate of subscription service use is growing around the world, yet understanding of the peculiarities of development of this e-commerce sphere is limited due to insufficient research.The study aims to determine the motives and barriers to the use of subscription services (multiservice subscriptions) by consumers and their relationship with consumer characteristics.Proceeding from an online survey of 200 users, the study determines the relationship between the gender and income of consumers and their use of subscription services, motives and motivators for using subscription services, and barriers to the choice of a particular subscription service. The obtained results may serve as a basis for managerial decisions in e-commerce and for improving the effectiveness of marketing solutions.