Abstract:

The article deals with the role of telecommunications techniques and the digitalization in the innovation-oriented economy. The authors note that digital solutions and the telecommunications infrastructure development are of key importance for the banking sector. The authors prove that in terms of innovative digital and telecommunications solutions it is reasonable to focus on two key directions, such as: the offer and the introduction of new banking products to the market and the offer of neobanking products designed within the framework of an ecosystem approach in combinatorics with business partners. Consumers can also access these products remotely using telecommunications. It is necessary for this to determine the main trends in the banking sector development and to study the telecommunications techniques role in remote banking. It is important for the study of the telecommunications techniques role in remote banking focusing the industry innovative evolution to determine the main trends in the innovative development of the banking sector; to analyse the existing solutions and the situation in customer service involving modern telecommunications techniques. The compliance with ecosystem requirements based on the digital platform, introducing new digital banking and neobanking products to the market involving telecommunications techniques, as well as implementing process innovations based on telecommunications are the main trends for traditional banks in the new conditions. Advanced telecommunications techniques and, accordingly, the digital interaction with consumers make it possible to detail their capabilities and requests significant in remote banking and to conduct their enlarged refined segmentation. Based on the opportunities offered by modern telecommunications in segmenting consumers and interacting with target segments, banks can offer targeted products and services, as well as use the joint promotion of banking and neobanking products in which the target audience is interested. Telecommunications techniques are the driver of the banking sector's development in remote services, their use makes it possible to implement an innovative scenario of functioning. A certain lag in remote banking services in Russia in comparison with a number of foreign countries can be considered as a growth potential that will be realized thanks to the innovative development of telecommunications in the banking sector.