DOI: 10.18413/2409-1634-2022-8-3-0-12

Analysis of the socio-economic efficiency of electronic banking services

In recent years, the Russian banking sector has shown outstanding results in the areas of service digitization and customer management. The article aims to study the impact of electronic banking services on retail consumers. To do this, it is necessary to identify the business models of banks and their main elements. An analysis of the economic and social efficiency of electronic banking services made it possible to measure their effectiveness through such indicators as: the target client base, the offer of banking services, distribution channels for services, and the degree of consumer loyalty to the bank. This article examined the previous performance of the top five banks in e-banking. We came to the conclusion that almost all the studied banks work in the same way in providing an indicator of the socio-economic efficiency of electronic banking services.

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