{"id":"https://openalex.org/W3210704683","doi":"https://doi.org/10.14704/web/v18si04/web18201","title":"The Main Features of the Use of Digital Technologies in the Financial and Banking Sector","display_name":"The Main Features of the Use of Digital Technologies in the Financial and Banking Sector","publication_year":2021,"publication_date":"2021-09-30","ids":{"openalex":"https://openalex.org/W3210704683","doi":"https://doi.org/10.14704/web/v18si04/web18201","mag":"3210704683"},"language":"en","primary_location":{"id":"doi:10.14704/web/v18si04/web18201","doi":"https://doi.org/10.14704/web/v18si04/web18201","is_oa":true,"landing_page_url":"https://doi.org/10.14704/web/v18si04/web18201","pdf_url":null,"source":{"id":"https://openalex.org/S4210195749","display_name":"Webology","issn_l":"1735-188X","issn":["1735-188X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":["jufo-1","poland-70"],"host_organization":"https://openalex.org/P4310318996","host_organization_name":"University of Tehran Press","host_organization_lineage":["https://openalex.org/P4310318996","https://openalex.org/P4310319131"],"host_organization_lineage_names":["University of Tehran Press","University of Tehran"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Webology","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://doi.org/10.14704/web/v18si04/web18201","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5055918051","display_name":"Elena Kirillova","orcid":"https://orcid.org/0000-0001-7137-901X","observed_orcids":["https://orcid.org/0000-0001-7137-901X"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Elena Anatolyevna Kirillova","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"middle","author":{"id":"https://openalex.org/A5051677816","display_name":"\u0411\u043e\u0433\u0434\u0430\u043d \u0412\u0430\u0440\u0432\u0430\u0440\u0430 \u0412\u043b\u0430\u0434\u0438\u043c\u0438\u0440\u043e\u0432\u043d\u0430","orcid":"https://orcid.org/0000-0001-9686-4687","observed_orcids":["https://orcid.org/0000-0001-9686-4687"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Varvara Vladimirovna Bogdan","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"middle","author":{"id":"https://openalex.org/A5053613647","display_name":"Elena V. Blinkova","orcid":"https://orcid.org/0000-0002-0748-1252","observed_orcids":["https://orcid.org/0000-0002-0748-1252"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Elena Victorovna Blinkova","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"middle","author":{"id":"https://openalex.org/A5050566890","display_name":"\u0417\u0443\u043b\u044c\u0444\u0443\u0433\u0430\u0440\u0437\u0430\u0434\u0435 \u0422\u0435\u0439\u043c\u0443\u0440 \u042d\u043b\u044c\u0434\u0430\u0440\u043e\u0432\u0438\u0447","orcid":"https://orcid.org/0000-0002-0778-1511","observed_orcids":["https://orcid.org/0000-0002-0778-1511"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Teymur Zulfugarzade","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5077055514","display_name":"Ksenia Vasilyevna YUNUSOVA","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Kseniya Vasilyevna Yunusova","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":2.17,"has_fulltext":false,"cited_by_count":12,"citation_normalized_percentile":{"value":0.89431917,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":88,"max":98},"biblio":{"volume":"18","issue":"Special Issue 04","first_page":"1326","last_page":"1341"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.9994999766349792,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.9994999766349792,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14419","display_name":"Banking Systems and Strategies","score":0.0,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-banking","display_name":"digital banking","score":0.7900000214576721},{"id":"https://openalex.org/keywords/artificial-intelligence-in-banking","display_name":"artificial intelligence in banking","score":0.9319999814033508},{"id":"https://openalex.org/keywords/big-data","display_name":"big data","score":0.921999990940094},{"id":"https://openalex.org/keywords/blockchain","display_name":"blockchain","score":0.9589999914169312},{"id":"https://openalex.org/keywords/online-banking","display_name":"internet banking","score":0.8989999890327454},{"id":"https://openalex.org/keywords/financial-sector-reform","display_name":"financial sector reform","score":0.4169999957084656},{"id":"https://openalex.org/keywords/google-trends","display_name":"Google Trends","score":0.5910000205039978}],"concepts":[{"id":"https://openalex.org/C110875604","wikidata":"https://www.wikidata.org/wiki/Q75","display_name":"The Internet","level":2,"score":0.5820150375366211},{"id":"https://openalex.org/C115901376","wikidata":"https://www.wikidata.org/wiki/Q184199","display_name":"Automation","level":2,"score":0.5483251214027405},{"id":"https://openalex.org/C158154518","wikidata":"https://www.wikidata.org/wiki/Q7310970","display_name":"Relevance (law)","level":2,"score":0.5269946455955505},{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.49719861149787903},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.4920189082622528},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.4909956753253937},{"id":"https://openalex.org/C121017731","wikidata":"https://www.wikidata.org/wiki/Q11661","display_name":"Information technology","level":2,"score":0.48751136660575867},{"id":"https://openalex.org/C75684735","wikidata":"https://www.wikidata.org/wiki/Q858810","display_name":"Big data","level":2,"score":0.46581530570983887},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.42763736844062805},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4100880026817322},{"id":"https://openalex.org/C2522767166","wikidata":"https://www.wikidata.org/wiki/Q2374463","display_name":"Data science","level":1,"score":0.35708725452423096},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.2745376527309418},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.17601144313812256},{"id":"https://openalex.org/C124101348","wikidata":"https://www.wikidata.org/wiki/Q172491","display_name":"Data mining","level":1,"score":0.16724243760108948},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.14878451824188232},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0},{"id":"https://openalex.org/C78519656","wikidata":"https://www.wikidata.org/wiki/Q101333","display_name":"Mechanical engineering","level":1,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C111919701","wikidata":"https://www.wikidata.org/wiki/Q9135","display_name":"Operating system","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.14704/web/v18si04/web18201","doi":"https://doi.org/10.14704/web/v18si04/web18201","is_oa":true,"landing_page_url":"https://doi.org/10.14704/web/v18si04/web18201","pdf_url":null,"source":{"id":"https://openalex.org/S4210195749","display_name":"Webology","issn_l":"1735-188X","issn":["1735-188X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":["jufo-1","poland-70"],"host_organization":"https://openalex.org/P4310318996","host_organization_name":"University of Tehran Press","host_organization_lineage":["https://openalex.org/P4310318996","https://openalex.org/P4310319131"],"host_organization_lineage_names":["University of Tehran Press","University of Tehran"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Webology","raw_type":"journal-article"},{"id":"mag:3209761274","doi":null,"is_oa":false,"landing_page_url":"https://istina.msu.ru/publications/article/406106512/","pdf_url":null,"source":null,"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":"Webology","raw_type":null}],"best_oa_location":{"id":"doi:10.14704/web/v18si04/web18201","doi":"https://doi.org/10.14704/web/v18si04/web18201","is_oa":true,"landing_page_url":"https://doi.org/10.14704/web/v18si04/web18201","pdf_url":null,"source":{"id":"https://openalex.org/S4210195749","display_name":"Webology","issn_l":"1735-188X","issn":["1735-188X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":["jufo-1","poland-70"],"host_organization":"https://openalex.org/P4310318996","host_organization_name":"University of Tehran Press","host_organization_lineage":["https://openalex.org/P4310318996","https://openalex.org/P4310319131"],"host_organization_lineage_names":["University of Tehran Press","University of Tehran"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Webology","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.6773999929428101,"display_name":"Industry, innovation and infrastructure","id":"https://metadata.un.org/sdg/9"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7104604956","https://openalex.org/W4407409424","https://openalex.org/W4413809911","https://openalex.org/W7133184805","https://openalex.org/W4285151883","https://openalex.org/W3188114004","https://openalex.org/W4403005515","https://openalex.org/W4410523824","https://openalex.org/W4394782821","https://openalex.org/W7139484219"],"abstract_inverted_index":{"The":[0,42,73,132,163,185,236],"relevance":[1,125],"of":[2,10,44,69,71,79,83,90,109,126,135,165,174,179,198,210,225,245,247,252,254,261,268,273,282,289,295],"the":[3,8,50,56,67,77,81,88,106,110,124,136,146,157,166,169,172,177,180,196,208,221,226,231,243,250,255,259,266,271,277,280,287,293],"research":[4],"is":[5,47,139],"dictated":[6],"by":[7,59,249,258,265,270,279,286],"introduction":[9,173],"innovations":[11,175],"in":[12,55,156,195,207,230],"banking":[13,57,183,234],"operations.":[14],"Classical":[15],"financial":[16,181,211,232],"and":[17,37,61,76,119,152,176,182,223,233,292],"credit":[18],"institutions":[19],"are":[20,193],"transformed":[21],"into":[22,86],"high-tech":[23],"platforms":[24],"that":[25],"can":[26],"create":[27],"new":[28],"profit":[29],"algorithms,":[30],"using":[31,148,298],"artificial":[32,202],"intelligence,":[33,203],"Big":[34,204],"Data":[35],"technology,":[36],"a":[38,239],"global":[39],"information":[40,107,144],"base.":[41],"purpose":[43],"this":[45],"study":[46,167,237],"to":[48,62,104,122,130,142,161,219],"analyze":[49,105],"demand":[51],"for":[52,65,113,241],"digital":[53,128,199,227,283,299],"services":[54,129,262,275],"sector":[58],"customers":[60],"propose":[63],"criteria":[64],"determining":[66],"degree":[68,244],"digitalization":[70,91,246],"banks.":[72],"statistical":[74],"method":[75,78,240],"evaluating":[80],"activities":[82],"organizations":[84],"taking":[85],"account":[87],"fact":[89],"have":[92,101],"been":[93,102,217],"used.":[94],"To":[95],"obtain":[96],"objective":[97],"results,":[98],"various":[99],"tools":[100,112,151],"used":[103,229],"space":[108],"Internet:":[111],"analyzing":[114],"search":[115],"queries":[116],"\"Google":[117],"Trends\"":[118],"\"Yandex":[120],"Wordstat\"":[121],"determine":[123],"providing":[127],"customers.":[131],"technical":[133],"part":[134],"study,":[137],"which":[138],"directly":[140],"related":[141],"obtaining":[143],"from":[145,159,189],"Internet":[147],"both":[149],"software":[150],"\"manually\",":[153],"was":[154,187],"conducted":[155,218,297],"period":[158],"2016":[160],"2021.":[162],"results":[164],"show":[168],"connection":[170],"between":[171],"reform":[178],"sector.":[184,235],"data":[186],"collected":[188],"150":[190],"respondents":[191],"who":[192],"experts":[194],"implementation":[197],"technologies":[200,228,284],"\u2013":[201],"Data,":[205],"blockchain":[206],"field":[209],"activity.":[212],"A":[213],"confirmatory":[214],"analysis":[215],"has":[216],"assess":[220],"reliability":[222],"validity":[224],"proposes":[238],"assessing":[242],"banks:":[248],"level":[251],"automation":[253],"main":[256],"processes;":[257],"number":[260],"provided":[263],"online;":[264],"speed":[267],"operations;":[269],"availability":[272],"online":[274,290],"around":[276],"clock;":[278],"range":[281],"used;":[285],"volume":[288,294],"sales":[291],"transactions":[296],"technologies.":[300]},"counts_by_year":[{"year":2025,"cited_by_count":5},{"year":2024,"cited_by_count":6},{"year":2023,"cited_by_count":1}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2021-11-08T00:00:00"}