Economic Basis of Digital Banking Services Produced by FinTech Company in Smart City
Economic Basis of Digital Banking Services Produced by FinTech Company in Smart City
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DOI：
10.29036/jots.v12i23.275
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发表时间：
2021-01-01
影响因子：
6
通讯作者：
Popova, Yelena
中科院分区：
文献类型：
--
作者：
Popova, Yelena
城市化速度的加快导致智慧城市概念的诞生，这是为了居民和企业的利益而更有效地利用数字技术的先决条件。数字银行的概念是智慧城市概念的关键问题之一。研究应该证明，提供此类服务的高效和有效的方法是使用金融科技公司的设施。许多研究人员从技术的角度研究金融科技，金融科技对一般银行业的贡献，客户对金融科技产品的满意度。但是，对这些企业的经济基础的研究还存在差距。该研究旨在确定金融科技公司实施项目的经济基础，并确定这些公司与传统银行相比在金融运营方面效率的来源。它具有额外的重要性，因为对专门用于技术解决方案的研究的分析表明，在这种智能解决方案的经济实证方面存在一定的空白。本研究的结果基于传统的成本效益和总拥有成本分析的实施，包括开发的成本和收入函数，计算的效益/成本比，并展示了金融科技公司与传统银行相比的效率来源。因此，金融科技公司在数字银行领域的活动获得了经济基础，这一事实缩小了对在实践中引入智能解决方案必要性的直观理解与这一过程的经济实证之间的差距。
The accelerated urbanization rate results in the birth of the Smart City concept, presupposing the more efficient use of digital technologies for the benefit of inhabitants and businesses. The idea of digital banking is one of the key issues in a smart city concept. The research should demonstrate that the efficient and effective way to produce such kind of services is to use the fintech companies' facilities. Many researchers study fintech from a technological point of view, the contribution of fintech to general banking, the level of satisfaction of customers with fintech products. However, there is a gap in studying the economic basis of these companies. The research aims to determine the economic basis for the projects implemented by the fintech company and to determine the source of the efficiency of these companies in financial operations compared to the conventional bank. It has additional importance since the analysis of research devoted to technological solutions demonstrates a certain lacuna in the economic substantiation of such smart solutions. The results of this study are based on the implementation of traditional Cost-Benefit and Total Cost of Ownership analyses and include the developed cost and income functions, calculated Benefit/Cost ratio, and demonstrated the source of efficiency of fintech company compared to a traditional bank. Therefore, the activities of a fintech company in the area of digital banking received the economic ground, and this fact decreases the gap between intuitive comprehension of the necessity of the introduction of smart solutions in practice and the economic substantiation of this process.