{"id":"https://openalex.org/W4402284534","doi":"https://doi.org/10.32782/business-navigator.76-38","title":"FINANCIAL DIGITALIZATION: ROLE AND SIGNIFICANCE FOR BANKING SERVICES","display_name":"FINANCIAL DIGITALIZATION: ROLE AND SIGNIFICANCE FOR BANKING SERVICES","publication_year":2024,"publication_date":"2024-01-01","ids":{"openalex":"https://openalex.org/W4402284534","doi":"https://doi.org/10.32782/business-navigator.76-38"},"language":"en","primary_location":{"id":"doi:10.32782/business-navigator.76-38","doi":"https://doi.org/10.32782/business-navigator.76-38","is_oa":true,"landing_page_url":"https://doi.org/10.32782/business-navigator.76-38","pdf_url":"https://doi.org/10.32782/business-navigator.76-38","source":{"id":"https://openalex.org/S4210169033","display_name":"Business Navigator","issn_l":"2522-4751","issn":["2522-4751","2707-6172"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Business Navigator","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"bronze","oa_url":"https://doi.org/10.32782/business-navigator.76-38","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5087425609","display_name":"\u0410\u043d\u0434\u0440\u0456\u0439 \u0411\u043e\u043b\u0434\u043e\u0432","orcid":"https://orcid.org/0000-0002-0411-3972","observed_orcids":["https://orcid.org/0000-0002-0411-3972"]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"\u0410ndriy Boldov","raw_affiliation_strings":[],"raw_orcid":"https://orcid.org/0000-0002-0411-3972","affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5087425609"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.4028,"has_fulltext":true,"cited_by_count":1,"citation_normalized_percentile":{"value":0.58469879,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":88,"max":93},"biblio":{"volume":null,"issue":"3(76)","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":1.0,"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":1.0,"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-finance","display_name":"digital finance","score":0.9959999918937683},{"id":"https://openalex.org/keywords/banking-services","display_name":"banking services","score":0.859000027179718},{"id":"https://openalex.org/keywords/digital-banking","display_name":"digital banking","score":0.6990000009536743},{"id":"https://openalex.org/keywords/predictive-analytics","display_name":"predictive analytics","score":0.8339999914169312},{"id":"https://openalex.org/keywords/credit-scoring","display_name":"credit scoring","score":0.9950000047683716},{"id":"https://openalex.org/keywords/risk-management","display_name":"risk management","score":0.8889999985694885},{"id":"https://openalex.org/keywords/electronic-payment-systems","display_name":"electronic payment systems","score":0.8999999761581421},{"id":"https://openalex.org/keywords/bank-business-models","display_name":"bank business models","score":0.6990000009536743},{"id":"https://openalex.org/keywords/artificial-intelligence-in-banking","display_name":"artificial intelligence in banking","score":0.9900000095367432},{"id":"https://openalex.org/keywords/cybersecurity","display_name":"cybersecurity","score":0.9309999942779541},{"id":"https://openalex.org/keywords/data-protection","display_name":"data protection","score":0.7919999957084656},{"id":"https://openalex.org/keywords/online-banking","display_name":"internet banking","score":0.6859999895095825},{"id":"https://openalex.org/keywords/bank-competitiveness","display_name":"bank competitiveness","score":0.6679999828338623},{"id":"https://openalex.org/keywords/covid-19-pandemic-impact-on-banks","display_name":"COVID-19 impact on banks","score":0.8690000176429749},{"id":"https://openalex.org/keywords/geopolitical-events","display_name":"geopolitical events","score":0.5559999942779541}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6598924398422241},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.5775398015975952},{"id":"https://openalex.org/C156152238","wikidata":"https://www.wikidata.org/wiki/Q1548025","display_name":"Retail banking","level":2,"score":0.4857226014137268},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.3989231586456299},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3973061442375183}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.32782/business-navigator.76-38","doi":"https://doi.org/10.32782/business-navigator.76-38","is_oa":true,"landing_page_url":"https://doi.org/10.32782/business-navigator.76-38","pdf_url":"https://doi.org/10.32782/business-navigator.76-38","source":{"id":"https://openalex.org/S4210169033","display_name":"Business Navigator","issn_l":"2522-4751","issn":["2522-4751","2707-6172"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Business Navigator","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.32782/business-navigator.76-38","doi":"https://doi.org/10.32782/business-navigator.76-38","is_oa":true,"landing_page_url":"https://doi.org/10.32782/business-navigator.76-38","pdf_url":"https://doi.org/10.32782/business-navigator.76-38","source":{"id":"https://openalex.org/S4210169033","display_name":"Business Navigator","issn_l":"2522-4751","issn":["2522-4751","2707-6172"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Business Navigator","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4402284534.pdf","grobid_xml":"https://content.openalex.org/works/W4402284534.grobid-xml"},"referenced_works_count":3,"referenced_works":["https://openalex.org/W3081524012","https://openalex.org/W3164225105","https://openalex.org/W4296092036"],"related_works":["https://openalex.org/W7083452004","https://openalex.org/W7221091999","https://openalex.org/W7220352406","https://openalex.org/W4407409424","https://openalex.org/W4403005515","https://openalex.org/W4405682569","https://openalex.org/W4411962264","https://openalex.org/W4409867487","https://openalex.org/W7076592171","https://openalex.org/W7139484219"],"abstract_inverted_index":{"This":[0],"article":[1,232],"is":[2,260,327],"devoted":[3],"to":[4,44,55,88,105,262,297,332],"summarizing":[5],"information":[6,272],"about":[7],"the":[8,16,28,40,45,68,79,83,89,97,111,127,137,162,218,224,227,235,240,275,277,293,302,320,330,336,339,349,352,358],"opportunities":[9],"that":[10,78,167,205,250],"arise":[11,252],"as":[12,155,157,265,291,311,313],"a":[13,35,246,266],"result":[14],"of":[15,20,30,37,39,47,62,91,95,99,113,123,129,140,164,186,194,203,212,226,237,242,248,269,280,342,351],"implementation":[17,112,152,211,341],"and":[18,25,59,101,147,153,174,181,190,210,223,244,271,283,307,345,354],"improvement":[19,209],"financial":[21,41],"digitalization,":[22,100,131],"its":[23,65],"role":[24],"significance":[26],"in":[27,126,136,192,214,220,239,288,301,319,335],"field":[29],"banking":[31,80,321,359],"services.":[32,257],"It":[33],"describes":[34,245],"number":[36,247],"transformations":[38],"sphere":[42],"due":[43],"influence":[46],"digital":[48,138,256,303],"technologies":[49,189],"on":[50,70,329,357],"it,":[51],"which":[52,132],"are":[53,133],"designed":[54],"form":[56],"an":[57],"efficient":[58],"convenient":[60],"system":[61],"services":[63,107],"for":[64,108,169,295],"participants.":[66],"During":[67],"work":[69,125,241],"these":[71],"materials,":[72],"it":[73],"was":[74,76],"discovered":[75],"revealed":[77],"sector,":[81],"despite":[82],"negative":[84],"external":[85],"influence,":[86],"adapted":[87],"realities":[90],"today,":[92],"taking":[93,314,346],"advantage":[94],"all":[96,106],"advantages":[98],"provided":[102],"round-the-clock":[103],"access":[104],"customers,":[109],"enabling":[110],"everyday":[114],"transactions.":[115],"These":[116,198],"materials":[117,199],"also":[118,233],"reveal":[119],"some":[120],"priority":[121,278],"areas":[122,279,290],"banks'":[124],"direction":[128],"strengthening":[130],"currently":[134],"seen":[135],"optimization":[139],"back-office":[141],"processes":[142],"aimed":[143],"at":[144],"reducing":[145,179],"costs":[146,180],"saving":[148],"products,":[149],"accelerating":[150],"their":[151],"modification,":[154],"well":[156,312],"improving":[158],"interaction":[159],"with":[160,255],"clients;":[161],"use":[163],"predictive":[165],"analytics":[166],"allows":[168],"more":[170,175,299],"accurate":[171],"credit":[172],"scoring":[173],"effective":[176],"risk":[177],"management,":[178],"increasing":[182],"lending":[183],"profitability;":[184],"development":[185,225],"electronic":[187],"payment":[188,196],"investment":[191,334],"digitalization":[193,213],"corporate":[195],"systems.":[197],"describe":[200],"innovative":[201,343],"models":[202,222],"banks":[204,243,296],"implement":[206],"further":[207],"development,":[208],"customer":[215],"services,":[216,310,344],"affecting":[217],"change":[219],"business":[221],"bank's":[228],"open":[229],"ecosystem.":[230],"The":[231],"reveals":[234],"principles":[236],"AI":[238],"threats":[249],"may":[251],"when":[253],"working":[254],"Special":[258],"attention":[259],"paid":[261],"cyber":[263],"security,":[264],"key":[267],"element":[268],"data":[270],"protection.":[273],"In":[274,323],"end,":[276],"both":[281],"scientific":[282],"practical":[284],"research":[285],"were":[286],"identified":[287],"such":[289],"determining":[292],"need":[294,331],"become":[298],"competitive":[300],"environment,":[304],"providing":[305],"clear":[306],"high-quality":[308],"online":[309],"into":[315,347],"account":[316,348],"global":[317],"trends":[318],"sector.":[322,360],"this":[324],"context,":[325],"emphasis":[326],"placed":[328],"increase":[333],"latest":[337],"technologies,":[338],"rapid":[340],"impact":[350],"pandemic":[353],"geopolitical":[355],"events":[356]},"counts_by_year":[{"year":2024,"cited_by_count":1}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2024-09-06T00:00:00"}
