2409-1634Research result. Economic Research2409-163410.18413/2409-1634-2022-8-3-0-122857FINANCEAnalysis of the socio-economic efficiency of electronic banking servicesAnalysis of the socio-economic efficiency of electronic banking servicesRagheedYousefRagheedYousefragheed.Y@hama-univ.edu.sy20228300

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.

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.

electronic banking servicesRussian banking sectoreconomic and social efficiencybanking services measurement indicatorsretail clientsbank business modelsdigital-ization of banking serviceselectronic banking servicesRussian banking sectoreconomic and social efficiencybanking services measurement indicatorsretail clientsbank business modelsdigital-ization of banking servicesСписок литературыAganbegyan, A. G., (2019). Finance, budget and banks in the new Russia. – Moscow: Delo Publishing House, RANEPA, 2019. – 400 p. (in Russian) Araslanova K. M., (2019). Foreign experience in the development of electronic banking // Bulletin of modern research. – 2019. –No. 6(2). – Pp. 27-29. (in Russian)Banking management: textbook / Ya.Yu. Radyukova, O.N. Chernyshova, A.Yu. Fedorova and others. – Moscow : INFRA-M, 2020. – 379 p. (in Russian)Glibchak A. A., (2020). The current state and prospects for the development of electronic banking services // Economics in theory and practice: Current issues and modern aspects. – 2020. – Pp. 35-37. (in Russian)Ivliev M. I., Korotaeva N. V., (2021). Development vectors of remote banking services in modern Russia // Socio-economic phenomena and protsesses. – 2021. – T. 11. – No. 10. –Pp. 21-27. (in Russian)Disclosure of financial statements under IFRS. Official website of VTB Bank (PJSC), 2022. – [Electronic resource]. – Access mode: https://www.vtb.ru/akcionery-i-investory/finansovaya-informaciya/raskrytie-finansovoj-otchetnosti-po-msfo/, free. – (Accessed 08 August 2022). (in Russian)The level of digitalization of banking services, 2022. Banki.ru – [Electronic resource]. – Access mode: https://www.banki.ru/news/research/?id=10950478, free. – (Accessed 08 August 2022). (in Russian)Stability and reliability of the bank. Financial analysis of Alfa-Bank, 2022. – [Electronic resource]. – Access mode: https://analizbankov.ru/bank.php?BankId=al-fa-bank-1326&BankMenu=nadezhnost&fform=kexpress, free. – (date of access: 08/13/2022). (in Russian)Stability and reliability of the bank. Financial analysis of VTB Bank, 2022. – [Electronic resource]. – Access mode: https://analizbankov.ru/bank.php?BankId=vtb-1000&BankMenu=nadezhnost&fform=kexpress, free. – (date of access: 08/14/2022). (in Russian)Stability and reliability of the bank. Financial analysis of the bank PROMSVYAZBANK, 2022. – [Electronic resource]. – Access mode: https://analizbankov.ru/bank.php?BankId=promsvyaz-bank-3251&BankMenu=nadezhnost&fform=kexpress, free. – (Accessed 08 August 2022). (in Russian)Stability and reliability of the bank. Financial analysis of Sberbank, 2022. – [Electronic resource]. – Access mode: https://analizbankov.ru/bank.php?BankId=sberbank-1481&BankMenu=nadezhnost&fform=kexpress, free. – (Accessed 08 August 2022).Yusef R., (2021). Prospects for the development of electronic banking services in Russia // Scientific result. Economic research. –No. 1. – 2021. – Pp. 5-12. (in Russian)Yusef R., Vaganova O. V., (2019). Features of the structure of e-banking channels in developed and developing countries. Finansovaya ekonomika. -No. 11. -2019. – Pp. 193-197.Siddik M. N. A., Sun G., Kabiraj S., Shanmugan J., Yanjuan C., (2016). Impacts of e-banking on performance of banks in a developing economy: empirical evidence from Bangladesh // Journal of Business Economics and Management. – 2016. – T. 17. – No. 6. – Pp. 1066-1080.Yang S., Li Z., Ma Y., Chen X., (2018). Does electronic banking really improve bank performance? Evidence in China // International Journal of Economics and Finance. -2018. – T. 10. – No. 2. – Pp.. 82-94.