CC BY
35
PAYMENT TOOLS IN THE MOBILE BANKING A.M. Vdovina, Graduate Student
Research Supervisor: A.B. Bass, Candidate of Economic Sciences, Associate Professor Financial University under the Government of the Russian Federation (Russia, Moscow)
DOI: 10.24411/2411-0450-2020-10257
Abstract. The article discusses the use of modern payment instruments used in mobile banking on the example of Tinkoff Bank. The characteristic of telecommunication channels in terms of their use in mobile banking is given. The functions of mobile applications in the practice of Russian banks are shown. The function of subscriptions and the potential for its use are specially considered. The practice of using cashback in Tinkoff Bank is analyzed. Conclusions about the possible prospects for the development of mobile banking are made.
Keywords: mobile banking, cobaging project, ATM terminals, online operation, SMS banking, payment tools, Tinkoff Bank, interface, chat.
Remote banking customer service in Russian banks is based on worldwide electronic banking (e-banking) technologies. The term remote banking service is understood to mean technologies for the provision of services by banks using various telecommunication channels. The following are commonly used as such telecommunication channels:
- mobile and telephone communications;
- technical devices (terminals and ATMs);
- communication through networks (local networks, Internet).
In general, these services can be called remote banking, which is based on the principle of information exchange between the bank and the client, while ensuring security and confidentiality [1].
Banking operations occur online, i.e. require an Internet connection channel.
Purpose of using mobile banking:
- minimizing bank costs through the development and implementation of mobile applications;
- receipt of commissions from payments and transfers;
- selling banking products (for example, selling insurance for travelers abroad);
- attracting customers through the creation of additional services (payment of fines).
The following types of mobile banking are distinguished:
- SMS-banking - funds in the bank account are managed via SMS messages sent to a special bank number. This type of mobile
banking allows you to use banking services in the absence of Internet access.
- Wap-banking. Represents more features than SMS banking. The advantage is its convenience for the client: the ability to navigate the bank's website, the visibility of the presentation of information and more convenient input of information.
- Java application. It is a more modern type of mobile banking that works on most modern mobile phones and is an application that can be installed on smartphones running iOS operating systems - for iPhone and iPad, Windows Mobile / Windows Phone, Symbi-an, Android. Applications are as comfortable as possible for use and allow you to implement all the functions provided by phones.
Clients can use the "mobile bank" service when they have a cellular network, while being in any place, remotely conduct basic banking operations, such as:
- transfer of funds between accounts, incl. between different banks;
- pay for mobile services, television, Internet, utility bills;
- pay for tuition, kindergartens, etc.;
- pay for the purchase of goods;
- open deposits in the bank;
- engage in the purchase and sale of currency;
- receive bonuses and discounts from the bank;
- request information on the current state of the account, history of transactions, the availability and amount of loan balances;
- remotely block cards, etc.
It should be noted that the bank card market in Russia is currently one of the most actively developing market segments. Card development is a priority for many Russian banks. This market is very profitable and constantly growing, which is why it is necessary to solve the problems that arise on it.
According to the estimates of the Bank of Russia, 90% of Russians have bank cards, but still it's worthwhile to understand that in reality cards have a much lower percentage, since someone may have several cards. Despite the fact that since the 90s, the number of cards in citizens has increased significantly, one of the main problems of cards has remained unresolved.
This problem is that most cardholders only use them to withdraw cash. Moreover, about 60% of the cards are dormant, which means that over the past three months not a single operation has been made on them. Of all of these, it follows that the population is still financially illiterate.
According to a study conducted by NAFI (multidisciplinary analytical center), most citizens deal with salary cards - 90%, and only 9% and 7% own credit and debit cards, respectively. Studies have also shown that bank cards are more often used by people with higher education and people living in large cities.
Conclusion: we can say that there are several problems on the modern development of the Russian bank plastic card market: a low share of credit and debit cards with overdraft, a large number of cash withdrawal operations, a large share of overdue card debt, and also the market's insecurity against external influences. To solve these problems, it is necessary, firstly, to increase the market infrastructure by increasing the number of POS terminals, to improve the quality of customer service by banks, including using the services of mobile banking and Internet banking (throughout Russia).
To improve the stability of the bank card market in the country, it is necessary to implement co-banking projects with internation-
al payment systems. Increasing stability in the international arena can be achieved by creating a unified payment system for the EAEU or by merging the payment systems of the BRICS countries. Each of the proposed projects requires a lot of time and money, however, their implementation may be one of the key steps towards the formation of a strong political and economic union.
The following functions may also be available in the mobile applications of some banks:
- search for ATMs on the map and near your location,
- search for the nearest bank branches,
- viewing information on the selected object (operating mode, address, possible services),
- viewing current exchange rates, etc.
Among other things, users of the "mobile
bank" service regularly receive information in the form of SMS messages about additional services introduced by the bank, new tariffs and other changes.
To connect to the "mobile banking" service, you need to be an Internet banking user and a bank customer, in which you will need to select and connect the necessary types of services.
Applications are constantly updated, and a new version of the application for download and installation becomes available to customers.
In 1992, when the Finnish bank Merita Nordbanken Group commissioned the corresponding services, the story of the emergence of mobile banking begins. In the early 2000s, due to the growth of mobile phone users, this area began to develop actively in Southeast Asia, the USA and some European countries [2].
Mobile banking has appeared in Russia relatively recently. Initially, the possibilities were limited to viewing the status of the account, then SMS notification appeared. Today, most banking organizations provide an expanded range of services, for example, payment for services of mobile operators, Internet providers, housing and communal services, etc.
Using leading Russian banks as an example, consider the evolution of mobile banking
over the past decade. In 2010-2011 the functionality of mobile applications was not very diverse. The Alfa-Bank Alfa-Mobile application had the ability to transfer money between your accounts, convert currency and send payments to counterparties.
Also, in the application it was possible to find the nearest bank branches, ATMs and partner points on the map. The first application of UniCredit Bank, Mobile. UniCredit for Java and iOS, had the same functionality.
It was possible to inform about the news and special offers of the bank. Tinkoff Bank in 2010-2012 Offered a user application developed by a third-party company. With its help it was possible to make payments and transfers according to templates, view details, generate statements. Entrance was provided by access code. In 2010, Sberbank had an application for iPad tablets with functions for viewing balances and transaction history.
Fig. 1. Interface of mobile applications of banks in 2012.
2015 was rich in innovations and microinnovations in mobile banking. The applications of Tinkoff Bank and UniCredit Bank are completely updated design. There are new applications of Sberbank and Tinkoff Bank on Android in the style of Material. In addition, Sberbank integrates an antivirus into the Android version [3].
New authorization technologies were spread: TouchID (fingerprint scanner) appeared in the applications of Raiffeisenbank, Tinkoff Bank, Alfa-Bank, VTB24, and two applications entered the PIN code: UniCredit Bank and Raiffeisenbank.
Push notifications are used not only to confirm transactions (now with VTB24), but also for messages about completed transactions (with Tinkoff Bank, Raiffeisenbank, VTB24).
Otkritie Bank has external transfers of details. VTB24 implements transfers using QR codes.
Banks are starting to use the phone's address book. Sberbank finds bank customers in the customer's phone book and sends them transfers. Alfa-Bank pulls up phone numbers from the address book when dialing.
Otkritie Bank and Raiffeisenbank are introducing replenishment of the Troika and Strelka transport cards. Auto payments are gaining popularity (Tinkoff Bank, Sberbank) [4].
Alfa-Bank and Tinkoff Bank begin to implement chat with the bank. Also, in the Tinkoff Bank's mobile application, the payment function by NFC (wireless high-frequency communication technology) appears.
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Fig. 2. Bank mobile application interface in 2018
Over the past few years, mobile banking applications have become a complete tool for managing bank accounts. The user audience of mobile banking applications is growing faster than that of Internet banking, in general, the industry is at a stage when banking applications begin to surpass the functionality of Internet banking. What further innovations may appear in mobile applications is now difficult to imagine.
Currently, the banking sector is a highly competitive market where participants must keep up to date and constantly improve in order to survive. In order to occupy leading positions, it is necessary to introduce financial and informational innovations that can reduce costs and increase the bank's customer base. To improve the efficiency of banking institutions, it is necessary to constantly introduce the latest banking technologies.
Thanks to such technologies, bank customers have the opportunity to remotely manage their own funds held in bank accounts.
For such purposes, you can apply methods such as telebanking (manage your account through a call center), Internet banking (managing via the Internet), mobile banking (installing and using applications on portable devices) and also managing via SMS notifications.
Mobile banking is a new stage in the development of services provided by a bank to a client. New services allow customers to pay their bills directly from home or on the way to work. In large cities, fewer people go to the bank to queue for utility bills. Mobile technologies improve and improve year after year, in 2-3 years no one will remember about the times, when to pay for everyday services you had to go to the bank in person.
Every year, the number of users of smartphones and tablets is growing. Users of modern mobile banking services have already
appreciated the benefits that the client gives the use of mobile banking. This is simplicity, speed, availability, ease of maintenance, the ability to control costs, etc.
In 2018, all mobile banks were evaluated in accordance with two business models that work in digital services: daily banking (a channel for informing about cash flows and account balances, for making payments and transfers) and digital office (full-fledged customer service: release and closing of products, consulting, analysis of claims and complaints, receipt of documents and certificates). Universal mobile applications are developing from daily banking to digital office [4].
The leaders in the concept of daily banking in 2018 were the mobile applications of Tinkoff Bank, Ak Bars and Binbank, Markswebb points out.
According to the company, over the past year, Ak Bars, Rosbank, Raiffeisenbank, Russian Standard and Levoberezhny Bank, as well as Beeline and Corn mobile card banks for iPhone, have improved their applications most significantly. Let's take a closer look at the Tinkoff Bank application, which rightfully occupies the first positions of ratings among mobile applications of banks.
Tinkoff Bank:
- Platform: Android, iOS, web
- Version: 4.3.1 / 4.3.2
- Russian interface: Yes
- Requirements: Android 4.2 / iOS 9.0 and above
- Category: Finance
At one time, Steve Jobs said that the user should be able to get to any element in three transitions. In the Tinkoff Bank application, everything is arranged exactly like that. There are five main tabs located at the bottom: "Home", "Events", "Pay", "Chat" and "More".
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Fig.3.Tinkoff Bank mobile application interface
On the "Main" tab, which opens every time the program is launched, it is expected that the controls for cards and accounts are located. "Events" is a chronology of operations on your accounts. In "Pay" we see selected transactions, several payment and transfer options and a list of contacts (if the application was given access to it), the top of which is occupied by bank customers or those to whom you most often transfer money by phone number.
"Chat" is the main way to communicate with the support of the bank through the application. Finally, "More" - this is the pro-
gram settings, bonuses (cashbacks, discounts), information about ATMs, recharge points, information on accounts and so on.
The only serious complaint: the interface is completely customizable (except for the order of the favorites list). You can't make it so that, at startup, it immediately opens, for example, a tab with a chronology of account operations - you must go through the main page. It is impossible to remove chat from the main panel or replace it with, say, a shortcut to a support call. There is no way to reorder tabs.
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Fig. 4. Payments and transfers in the Tinkoff Bank mobile application
It is not necessary to be a Tinkoff client to work in the application: you can enter card data of another bank and use local amenities, for example, to pay utilities or fines. If you have two or more cards, transferring money between accounts can be literally in three
stages. The percentage of commission for any operation is calculated right here, right in the interface. They do not charge money for transferring money from their card to the Tinkoff card, and it is allowed to transfer up to 20000 rubles a month from it to cards of
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other banks. Methods of transferring money, as they say, for every taste: by phone number, QR code, bank details. To quickly enter the card number, you can scan it with a smartphone camera or read the RFID tag through NFC. The accuracy of the determination is high.
Also consider an interesting subscription feature. It is possible to add details for the
payment of electricity or traffic police fines, and as soon as the account information for the kilowatt spent or exceeded "kilometer hours" appears in the system, an alert with the exact amount will come. Which, of course, can immediately be listed at the right address. For some subscriptions, it is possible to connect auto payment.
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Fig. 5. The function "My Subscriptions" in the application "Tinkoff Bank"
Every month, the client receives a detailed account statement, but it is not necessary to wait for it - all information is stored in a common tape. Operations are performed in chronological order, but it is possible to separately view the chart for all expenses or in a certain category. The user has access to an extract for any month, information about the tariff and limits on operations. There you can configure the card as a multi-currency, connect an overdraft or add information about a trip abroad.
Each quarter, the bank offers three categories of increased cashback (5% against the
standard 1%): restaurants, supermarkets, pharmacies and more. Also in the "bonuses" tab contains information about increased cashback from partners of the bank - up to 30%. Monthly, the bank charges 6% per annum on the card balance. Interest is displayed in the event stream as a top-up. It's convenient to save with a card: in the application you can open a savings account and add a goal to it. For example, if you want to buy a car, open an account, drive in the required amount and term, and the application will calculate how much you need to save per month [5].
Fig. 6. User Cost Chart by Category and Savings Account
To enter Tinkoff Bank you will need to enter a password or scan a finger or face. A session expires automatically after 10 minutes of inactivity, regardless of whether the application is minimized or not, after which it is unloaded from memory and you need to log in again for a new session. The program takes data for fingerprint identification from the
smartphone system, but the password for the application can (and should) be set unique. And, as an option, use only it, without the ability to enter by fingerprint [15]. If, for some reason, the PIN code of the card generated by the bank is not liked, it will be possible to change it from the application interface.
Fig. 7. Ability to change the PIN code of the card in the application
Tinkoff Bank can resolve issues and prob- tion, it is easy to contact the support of the lem situations online. Through the applica- bank - the easiest way is to write in chat.
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Fig. 8. Communication with the bank in the Tinkoff Bank mobile application
The response time to a request via chat is several minutes at any time of the day. In some cases, the bot responds: for example, if you report that you are traveling abroad and do not want your card blocked for suspicious expenses. In atypical cases, the person an-
swers, this can be seen from the context of several conversations that we conducted during the testing of the application. All issues were successfully and promptly resolved. Who doesn't like chat - there is an opportunity to call or send an appeal to the bank's mail
through the "Contact the Bank" tab. In the same place, in the "Info" menu, it will be possible to see where the nearest ATMs and re-
charge points are (by list or on the card), or, for example, order the necessary information.
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Fig. 9. The function of displaying the nearest replenishment points and ordering information.
It remains to add that the program is regularly updated, the developers are constantly adding new features and capabilities. There is a chance that the rigid structure in the interface will be replaced by the flexibility of user settings, and then there will be no serious complaints about the application at all.
Thus, we can conclude that the Tinkoff Bank mobile application is the best application on the Russian market, which is significantly ahead of competitors in almost all of the analyzed parameters.
A magnificent implementation of the application, which fully supports the bank's business model and is able to replace the implementation of operations usually performed in classic banking branches. The widest range of functions among the analyzed mobile banks for working with credit and debit cards, payments and transfers. Intuitive controls, a simple interface, a design not overloaded with unnecessary details, the ability to personalize a number of functions make the application convenient to use.
The rise in fraud cases when using mobile banking is considered one of the main problems.
The main threats include unauthorized access to customer data using virus programs, as well as damage caused by the loss of the device, and protection of access to the bank's mobile application using the PIN code and fingerprint scanner is considered to be the most perfect.
Information on compliance with safety rules when using applications is posted on bank sites, if users comply with them, then the risk is minimized. It is usually recommended that you install anti-virus programs, do not download or install programs from dubious sources,
Store passwords out of reach. Particular attention should be paid when entering the Internet from your smartphone, do not click on inaccurate links that come via SMS messages.
If you lose your mobile phone or if there is a threat of fraudsters' access to accounts, you should immediately contact the bank and block access to mobile banking.
So, we can highlight the main disadvantages of a mobile bank, namely: - the possibility of fraud;
- dependence of access to the application on the cellular network, if there is no communication signal, operations will be impossible;
- The "mobile bank" of a particular bank is mainly tied only to bank cards issued by that bank. To activate the service in other banks, you will need to open a bank card in a particular bank;
- in case of changing a mobile phone number or changing a telecom operator, it is necessary to reconnect the "mobile bank" service.
Of course, you can still find a number of shortcomings of the mobile bank, by no means the benefits and ease of use of this service significantly overlap its disadvantages.
For banks, the development of mobile banking systems can be seen as an investment in the future.
The potential for developing mobile banking in Russia is huge. The main development prospects are the improvement and expansion of the functionality of mobile banking, as well as the introduction of new banking operations in a mobile bank.
In addition to the functional expansion of the bank's services, the way of advising bank customers is changing. Online chats are already replacing call centers, thanks to which customer service is performed more quickly.
Application interfaces are becoming more understandable and intuitive to use, data entry is being replaced by scanning, and NFC con-tactless payments are becoming more common.
Applications are being developed for smartphone accessories, such as smart watches, etc.
Applications are actively replacing the traditional format of interaction between banks and customers in all areas: product design, communication with specialists, dispute resolution, etc.
The investment function in mutual funds, currency, securities and other financial instruments is developing at a faster pace.
Some financial institutions register this opportunity as a standalone application, and in the main mobile bank, you can open a brokerage account and view its balance.
Thus, we can conclude that there are a large number of promising areas in mobile
banking. Every year there are more and more developments, thanks to which the mobile bank is becoming more convenient and functional.
The problem of banking risks has attracted the attention of banking regulatory and supervisory authorities of different countries for quite some time, and attempts to describe and analyze them in detail have taken place long before the era of the banking system. The introduction of banking technology and banking systems into banking has aggravated the situation in that more and more new types of banking risks began to arise on this wave, due to which an already unfinished methodology covering the identification, assessment, analysis, monitoring of banking risks and their management, began to erode, making its practical use difficult.
Despite the fact that theoretical developments in the field of banking risks have been ongoing for more than 20 years, a complete or even somewhat complete "theory" of these risks has not yet been created - only certain areas have been worked out. Basically, such developments were devoted to credit, interest, price, currency risks or a combination of the latter, defined as market risk, as well as liquidity risk.
Moreover, almost each of the foreign bodies of banking regulation and supervision until recently formed its own theory, and the total number of banking risks varied from one and a half dozen to one (operating, absorbing all the others). Meanwhile, over time and the development of banking information technologies, this was not limited to this, since new components of banking risks, already of a technological nature, appeared that made significant adjustments to theoretical approaches to the analysis of banking risk. As a result of this, in the latest release of the materials of the BKBN devoted to the basic principles of risk management in the context of the use of electronic banking, risks such as:
- business;
- security;
- identity theft;
- fraudulent actions with accounts;
- money laundering;
- depersonalization of personality;
- transaction denial.
Some other materials of the BCBS also speak of the so-called risks "characterizing the electronic processing of data in banks", namely:
- risk of unintended disclosure of information;
- risk of errors;
- risk of fraud;
- risk of interruption of operations;
- risk of inefficient planning;
- risks associated with customer actions.
The main risk of the remote banking is the
risk of an unauthorized person gaining access to the management of the Client's account and to the documents of the Client transmitted to the Bank through the remote banking. The consequences of unauthorized access may be the debiting of funds from the Client's account or the leak of confidential information about transactions performed by the Client.
There are necessary measures of preventing of the unauthorized use of the client workstation of the remote banking service for client, in order to reduce the possible risk of unauthorized use of the workstation of the remote banking service and the debiting by third parties of funds from the Client's account:
- Comply with the rules for using remote banking service, including to get acquainted with information and materials relating to the operation of the banking and banking software on the Bank's website.
- Use the service in the form of the ability to connect to the remote banking system only from certain IP addresses of the Client's computers and / or inform about entering the remote banking system, using cellular communication technology - short message service (SMS).
- Perform the following organizational and technical measures:
S minimize the number of users who have the right to access a computer with the installed workstation of the remote banking, limiting it to the circle of people directly using the remote banking;
S to assess the business reputation of users with access to remote banking;
S use only licensed software on computers;
S regularly update the operating system and the software used to work with the remote banking service. Updates must be installed only from the official websites of the developers of the corresponding software;
S install anti-virus protection system on computers. Databases of antivirus programs should be updated daily, or as new official versions of the databases become available;
S use firewalls when accessing the Internet, allowing access only to trusted Internet resources. Deny Internet connection via ftp, smtp protocols in the firewall. Allow smtp connections only with specific mail servers on which client mailboxes are registered;
S when working with e-mail, do not open letters and files attached to them received from unknown senders, do not click on the links contained in such letters. The best practice is to refuse the use of e-mail on computers with established workplaces of the remote banking service.
Do not use administrator rights unless necessary. In everyday practice, log in as a user who does not have administrator rights;
S enable a system audit of events that records errors that occur, user logins and program launches, periodically view the logbook and respond to errors;
S use only external removable storage media to place private keys of electronic signature. The use of key registry information or a computer hard drive as a storage location increases the risk of theft of the private part of the electronic key;
S remove the key medium immediately after the end of the session with RBS;
S keep key media out of the reach of strangers, for example, in a safe;
S do not use key media for purposes other than working with remote banking, for example, for storing files, electronic documents, etc.
S do not transmit ES keys and do not disclose the login and password of access to the RBS to third parties;
S not to use the computer on which the RBS workstation is installed for other purposes, for example, for games, watching movies, etc.
S if the computer is installed inside the organization's local network, take measures
to protect the local network from unauthorized influences from the Internet;
S in case of suspicion of unauthorized access to a computer with the installed workstation of the RB or the establishment of facts of compromise of the closed part of the electronic key:
S urgently contact the Bank and inform about suspicions or facts;
S check the legitimacy of all payments made recently;
S send a statement to the Bank on the blocking of transactions in the banking system;
S change the keys of the electronic signature;
Among the factors that hinder the development of remote banking, perhaps the most serious obstacle is the lack of trust on the part of clients in remote operations and the lack of adequate information security for their implementation. Especially when you consider the fact that recently attempts to illegally obtain personal information of users of remote banking systems have become more frequent: logins, passwords, secret keys of encryption tools and analogues of handwritten signatures, PIN codes of payment cards, etc.
If we talk about the leak of information during the banking system, then there are two types of risks: from customers and from banks.
A typical example of "client risks" can be a situation where a user enters a password in the wrong place or leaves it saved in the system and thereby allows attackers to use it, says Leonid Morozovsky, Deputy Chairman of the Board of AB Finance Bank. "Client risks are also associated with insufficiently secure authorization methods: when a user does not have a password card or his access to the system provides only one word or one password that a person can record somewhere and which someone can see," says Leonid Morozovsky. The expert believes that with RBS, there are mainly client risks associated with problem that the bank did not provide
for effective information protection technology.
The second type of risk in the banking system - banking risks - arise in the event that information leakage occurs at the stage of da-
ta transfer to a credit institution. Such cases are now very rare, since financial institutions have sufficient resources to protect information systems. If the work carried out by the bank in this direction is well-organized, such risks are minimal.
A percentage of Russian banks surveyed said they use the Antifraud system to counter fraud. Industrial solutions were installed in 61,1% of them, 54,2% use proprietary Anti-fraud systems, 44,4% use ABS solutions.
The most popular industrial anti-fraud systems are BSS solutions - they are implemented in 25% of banks using such solutions. The second place is taken by the RSA company decisions (10.2%), the third - by Bifit company (9.1%), 43.2% of the industrial Anti-fraud systems used remained unknown, as banks refused to name their developer. The main results of the study testify to the stabilization of the situation on the remote banking service market - the level of penetration of the remote banking service and the shares of the main players are almost unchanged. At the same time, the qualitative growth of remote banking services is obvious for both legal entities and individuals.
The main trends:
- the number of mobile applications for different mobile platforms is growing, mobile solutions for legal entities are appearing;
- more than 2 times, compared with 2013, the offer of additional services within the framework of the banking system for legal entities increased (electronic document management, electronic bookkeeping, access to state and municipal services, reporting to the Federal Tax Service of Russia, PFR, Rosstat);
- the offer of additional services within the framework of the RBS for individuals is growing and expanding;
- the majority (72%) of banks are used to counter;
- Antifraud system fraud.
Modern mobile banking is an integral part of any bank that works with customers. The development of electronic gadgets, usability allow us to develop the banking business outside the bank branch.
Today, a mobile phone has become a necessity, which, together with the spread of cashless cash transactions (operations with
plastic cards), acts as a driver for the development of electronic commerce in Russia.
Mobile banking is a service due to which you can receive information about all card transactions, cash flow, as well as make payments and other operations via mobile phone around the clock without visiting a bank branch.
As a result of the work, the advantages of mobile banking were revealed in comparison with the services provided in the bank branch, namely:
1) Simplicity and usability. The system is maximally simplified and visual, there are tips when working with the application. Time-consuming operations are implemented in the simplest manner and require the minimum required information from the user.
2) Savings. Access via mobile Internet, which means that the usage fee will be equal to the cost of Internet traffic at the rate of a mobile operator;
3) Access around the clock. Unlike bank branches, mobile banking is available 24 hours a day;
4) Control of funds in accounts. At any time, you can find out the status of your account, check the crediting of funds, etc.
However, with a large number of advantages of mobile banking, it is not the main
References
1. Sobka S.A. Plastic cards as the main sector of cashless payments. - Scientific Bulletin of the Southern Institute, 2018.
2. Seregin A.YU. RBS market in Russia and in the world. Prospects for the development of electronic banking in Russia // Banking technologies. - 2017. - № 10. - P. 10-15.
3. Internet resource: https://www.tinkoff.ru/ - the official website of Tinkoff Bank //Circulation time 04.04.2020.
4. Khudyakova T.A., Ponomarev V.E. Analysis of the dynamics and development prospects of remote banking services in the Russian Federation. VAK Magazine. Scientific Herald: finance, banks, investments. 2019.
5. Internet resource: http://www.bankir.ru - information site about banks. // Circulation time 08.03.2020.
tool for the bank to communicate with customers.
Firstly, due to the lack of public awareness of the provision of such services by the bank.
Secondly, inadequate protection of personal and financial information stored on a mobile device.
It should be noted that some operations in mobile banking cannot be performed due to insufficiently developed technologies and the regulatory framework. As an example, you can take operations on processing a loan -from filing an application to the receipt of funds in the account; in this case, the presence of the client in the bank branch is required.
Thus, the mobile banking is becoming an integral part of service in commercial banks and is actively developing. Remote banking allows you to expand the sales network, increase the image of banks and reduce bank costs. As directions for the development of the system, one can single out the growth of its functionality and simplification for the client. It can be argued that remote servicing is growing more and more every year into the category of standard services for most banks, when convenience, mobility and efficiency became the main requirements of customers.
ПЛАТЕЖНЫЕ ИНСТРУМЕНТЫ В МОБИЛЬНОМ БАНКИНГЕ А.М. Вдовина, студент
Научный руководитель: А.Б. Басс, канд. экон. наук, доцент Финансовый университет при Правительстве РФ (Россия, г. Москва)
Аннотация. В статье рассмотрено применение современных платежных инстру-метов, используемых в мобильном банкинге на примере Тинькофф-банка. Дана характеристика каналов телекоммуникационной связи в части применения их в мобильном банкинге. Показаны функции мобильных приложений в практике российских банков. Специально рассмотрена функция подписок и потенциал ее использования. Проанализирована практика применения кэшбэка, используемая в Тинькофф банке. Сделаны выводы о возможных перспективах развития мобильного банкинга.
Ключевые слова: мобильный банкинг, кобейджинговый проект, терминалы-банкоматы, операция он-лайн, СМС-банкинг, платежные инструменты, Тинькофф банк, интерфейс, чат.
