The problem of the bank's business processes digitalization
| Autor: | N. Yu. Lukyanova, I. V. Oganisian, L. Yu. Shcherbinina |
|---|---|
| Jazyk: | ruština |
| Rok vydání: | 2022 |
| Předmět: | |
| Zdroj: | Цифровая трансформация, Vol 28, Iss 3, Pp 24-34 (2022) |
| Druh dokumentu: | article |
| ISSN: | 2522-9613 2524-2822 |
| DOI: | 10.35596/2522-9613-2022-28-3-24-34 |
| Popis: | In the current conditions of fierce competition for the customer, the digital transformation of bank business processes has become a necessity. The article represents the results of competitive marketing analysis of the regional banking sector, as well as internal analysis of the regional office of VTB Bank in Kaliningrad. The analysis shows the current business process structures and reveals the potential for digitalization of individual business processes of the bank. The article proposes an approach to reorganize the business process of opening a current account for corporate clients. The proposed approach is based on the analysis of the way the business process is organized, the problems identified, expert assessments of its effectiveness conducted, as well as benchmarking. During the analysis, a field study was conducted, timing of the business process of opening a current account was done, as well as several proposals for the digitalization of one of its stages were made. A framework for the digital transformation of the organization business process was developed. The implementation of proposals for the digitalization of the business process of opening a current account will reduce time cost, optimize the work of the office staff, and will create additional profits. The proposed solution has been submitted to the management of the regional branch of the bank and sent for implementation to the IT-department at the head office of VTB Bank in Moscow. |
| Databáze: | Directory of Open Access Journals |
| Externí odkaz: |
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