查看更多>>摘要:By a News Reporter-Staff News Editor at Robotics & Machine Learning Daily News Daily News – New study results on artificial intell igence have been published. According to news reporting from Sumy State Universi ty by NewsRx journalists, research stated, “The article is aimed at the current issues of using smart technologies and innovative approach during evolution and transformation processes in banking. The study identifies the special place of t his topic for achieving a high level of efficiency and competitiveness of banks and characterizes the impact of the introduction of technological approaches on the customer base and its perception of banking products.” Our news correspondents obtained a quote from the research from Sumy State Unive rsity: “The main functions of banking innovations in this area are analyzed and the justification of their feasibility at the present stage of economic developm ent is provided. A number of the most promising technologies and approaches to b anking activities are allocated, namely: contactless payment, digital wallets, b iometric identification, person-to-person payments, collective financing, omnich annel banking, interaction with FinTech companies, blockchain, big data, artific ial intelligence, smart machines, Internet of Things, behavioral banking, retail bank, application programming interfaces, multi-component bank, open banking, a ugmented reality, robotic automation, hybrid clouds. The relevance of the identi fied areas is proved based on their perception by analyzing the popularity of th e identified topics in Google search queries using the Google Trends tool. The p erception of smart technologies in banking by Internet users in the world and sp ecifically in Ukraine is investigated, which gave grounds to conclude that there is a significant interest in them, and therefore the expediency of further stud y and implementation in the activities of banks. It is identified that the most perspective technologies are biometric identification, blockchain, Internet of T hings, big data analysis, artificial intelligence, etc. Several technologies hav e been identified, namely, collective financing (crowdfunding), application prog ramming interfaces (APIs) and digital wallets, which are less popular in Ukraine than in the world in general, and therefore require detailed research and study of the relevance of their application in the domestic banking market. Possible directions for further innovative development of banking institutions based on t he use of smart technologies are proposed. Based on panel data for 60 banks of U kraine for the period 2014-2022, the author analyzes the correlations between th e indicators of the use of digital technologies and the financial performance of banks and builds regression dependencies of financial indicators of banks on th e indicator of the number of electronic means of payment in active circulation. The theoretical value of the study is to identify the most promising smart techn ologies and innovative approaches to banking business in modern conditions.”