摘要
机器人与机器学习每日新闻的一位新闻记者兼新闻编辑发表了关于人工智能的新研究结果。根据NewsRx记者在苏米州立大学的新闻报道，研究表明，“本文旨在探讨在银行业的演变和转型过程中使用智能技术和创新方法的当前问题。该研究确定了他的主题在实现银行高效率和竞争力方面的特殊地位，并描述了技术方法的引入对客户基础及其对银行产品的看法的影响。”我们的新闻记者从苏米州立大学的研究中获得了一句话：“分析了这一领域的银行创新的主要功能，并对其在当前经济发展阶段的可行性进行了论证。分配了一些最有前途的银行活动技术和方法，即：非接触式支付、数字钱包、计量识别、个人对个人支付、集体融资。”Omnich Anel Banking,与金融科技公司的交互,区块链,大数据,人工智能,智能机器,物联网,行为银行,零售银行,应用程序编程接口,多组件银行,开放式银行,丑陋的现实,机器人自动化,混合云。通过使用Google Trends工具分析Google搜索查询中确定的主题的流行程度，基于他们的感知，证明了这些领域的相关性。调查了世界各地，特别是乌克兰互联网用户对银行智能技术的认知，从而得出了人们对智能技术有重大兴趣的结论。已确定最有前景的技术是生物识别、区块链、信息互联网、大数据分析、人工智能等。已确定了几种技术，即集体融资(众筹)、应用程序夯实接口(APIs)和数字钱包，这些技术在乌克兰的受欢迎程度低于全世界。基于德国60家银行2014-2022年的面板数据，提出了基于智能技术的银行机构进一步创新发展的可能方向。本文分析了数字技术使用指标与银行财务绩效之间的相关性，建立了银行财务指标与活跃流通电子支付手段数量指标的回归依赖关系，其理论价值在于找出现代条件下银行业务最有前途的智能技术和创新途径。
Abstract
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.”
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