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<article article-type="research-article" dtd-version="1.3" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xml:lang="ru"><front><journal-meta><journal-id journal-id-type="publisher-id">business</journal-id><journal-title-group><journal-title xml:lang="ru">Путеводитель предпринимателя</journal-title><trans-title-group xml:lang="en"><trans-title>Entrepreneur’s Guide</trans-title></trans-title-group></journal-title-group><issn pub-type="ppub">2073-9885</issn><issn pub-type="epub">2687-136X</issn><publisher><publisher-name>JSC “Publishing Agency “Science and Education”</publisher-name></publisher></journal-meta><article-meta><article-id pub-id-type="doi">10.24182/2073-9885-2021-14-2-28-33</article-id><article-id custom-type="elpub" pub-id-type="custom">business-1523</article-id><article-categories><subj-group subj-group-type="heading"><subject>Research Article</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="ru"><subject>ЦИФРОВИЗАЦИЯ ЭКОНОМИКИ</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="en"><subject>DIGITALIZATION OF THE ECONOMY</subject></subj-group></article-categories><title-group><article-title>Информационные технологии в банковской сфере</article-title><trans-title-group xml:lang="en"><trans-title>Information technologies in the banking sector</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Скиба</surname><given-names>О. А.</given-names></name><name name-style="western" xml:lang="en"><surname>Skiba</surname><given-names>O. A.</given-names></name></name-alternatives><bio xml:lang="ru"><p>Cтудент, Факультет информационных технологий и анализа больших данных </p><p>Москва</p></bio><bio xml:lang="en"><p>Student, Faculty of Information Technologies and Big Data Analysis </p><p>Moscow</p></bio><email xlink:type="simple">sk.ol.1999@mail.ru</email><xref ref-type="aff" rid="aff-1"/></contrib></contrib-group><aff-alternatives id="aff-1"><aff xml:lang="ru"><institution>Финансовый университет при Правительстве РФ</institution><country>Россия</country></aff><aff xml:lang="en"><institution>Financial University under the Government of the Russian Federation</institution><country>Russian Federation</country></aff></aff-alternatives><pub-date pub-type="collection"><year>2021</year></pub-date><pub-date pub-type="epub"><day>28</day><month>04</month><year>2021</year></pub-date><volume>14</volume><issue>2</issue><fpage>28</fpage><lpage>33</lpage><permissions><copyright-statement>Copyright &amp;#x00A9; Скиба О.А., 2021</copyright-statement><copyright-year>2021</copyright-year><copyright-holder xml:lang="ru">Скиба О.А.</copyright-holder><copyright-holder xml:lang="en">Skiba O.A.</copyright-holder><license xml:lang="ru" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>Данная работа распространяется под лицензией Creative Commons Attribution 4.0.</license-p></license><license xml:lang="en" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>This work is licensed under a Creative Commons Attribution 4.0 License.</license-p></license></permissions><self-uri xlink:href="https://www.pp-mag.ru/jour/article/view/1523">https://www.pp-mag.ru/jour/article/view/1523</self-uri><abstract><p>В рамках стратегии инноваторского развития большое количество банков время от времени разрабатывают свежие продукты, процессы и технологии, а еще усовершенствуют уже существующие. Большая доля инновационных информационных целей приходится на банковский раздел по причине того, что собственно именно банки промышляют дистанционным обслуживанием и в отсутствие информационных технологий им никак не ограничиться. Информационные технологии не только упрощают работу служащих и клиентов, но и защищают важные личные сведения от возможных попыток третьих лиц получить их.</p></abstract><trans-abstract xml:lang="en"><p>As part of the strategy of innovative development, a large number of Russian banks from time to time develop fresh products, processes and technologies, and also improve existing ones. A large share of innovative information goals falls on the banking section, due to the fact that it is actually banks that are engaged in remote service and in the absence of information technologies they can not be limited in any way. Information technologies not only simplify the work of employees and customers, but also protect important personal information from possible attempts by third parties to obtain it.</p></trans-abstract><kwd-group xml:lang="ru"><kwd>банковский сектор</kwd><kwd>автоматизация</kwd><kwd>VoIP</kwd><kwd>блокчейн</kwd></kwd-group><kwd-group xml:lang="en"><kwd>banking sector</kwd><kwd>automation</kwd><kwd>VoIP</kwd><kwd>blockchain</kwd></kwd-group></article-meta></front><back><ref-list><title>References</title><ref id="cit1"><label>1</label><citation-alternatives><mixed-citation xml:lang="ru">Хоткин Андрей Владимирович Использование it для оптимизации деятельности современных банков. Теория и практика общественного развития. 2018. № 6. 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