Технологии дистанционного банковского обслуживания: российские реалии и перспективы
Purpose: The growth of mobile phones penetration have built the great opportunities for increasing the financial inclusion around the world. Digital channels help banks attract new customers as well as hold the existing ones loyal. The paper aims at studying the incentives to use mobile banking by smartphones and tablets users. Design/methodology/approach: An online survey is conducted in order to explore possible relations between the potential determinants of the intention to use mobile banking. The model is assessed with Partial Least Squares Structural Equation Modelling (PLS-SEM) technique. Findings: The results show that perceived usefulness and perceived efforts tend to be the most significant factors explaining the adoption of mobile banking. However, such factors as perceived risks, compatibility with lifestyle and social influence are found to be insignificant due to some cultural and institutional features attributed to CIS countries. Originality/value: This paper contributes to the field of m-banking studies by focusing on both smartphone and tablet users. At least, the majority of respondents represent y and z generations who seem to move traditional banking to digital channels.
In the article key global trends and shifts of recent development in large value payment systems and retail payment systems since the middle of 1980-s are analyzed. The paper shows growth of hybrid payment systems, expansion of multicurrency payment systems, increase in electronic payments, and decline in the use of traditional payment instruments.
I give the explicit formula for the (set-theoretical) system of Resultants of m+1 homogeneous polynomials in n+1 variables