Which Will Occur with the Commercial Banks in the Digital Economy
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.
About the Authors
Yu. G. Shvetsov
Altai State Technical University
Russian Federation
Russian Federation
Shvetsov Yuri G., Doctor of Economics, Professor, Head of the Department of Economics, Finance and Credit
N. V. Suntsova
Altai State Technical University
Russian Federation
Russian Federation
Suntsova Natalya V., PhD in Economics, Associate Professor, Department of Economics, Finance and Credit
V. G. Koreshkov
Altai State Technical University
Russian Federation
Koreshkov Vladislav G., Senior Lecturer, Department of Economics, Finance and Credit
Russian Federation
Koreshkov Vladislav G., Senior Lecturer, Department of Economics, Finance and Credit
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Review
For citations:
Shvetsov Yu.G., Suntsova N.V., Koreshkov V.G. Which Will Occur with the Commercial Banks in the Digital Economy. Vestnik NSUEM. 2019;(1):192-204. (In Russ.)
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