Assessment Of Implementing The New Information Technologies At Providing Banking Services


Nowadays the credit institutions apply methods for calculating the economic efficiency of the introduction of information technologies assessing the statistical indicators for recording income and costs of innovation. The disadvantages of such approaches are considered subjectivity or inability to assess some parameters (quality of service) and the fact that an assessment of the current market situation is made, while market conditions are changing rapidly, new participants and regulations of their activities appear. The factors that lead to changes in the banking business itself are not taken into account. Implementation of identification systems based on the Touch ID technology at providing banking services is one of the most popular recent projects in the IT area. The implementation of these systems should lead to faster customer service, lower operational risk, increase the level of security of stored information, and so on. The article describes the methods for assessing the effect of using the identification system based on the Touch ID technology at providing banking services. The described methods help to calculate the coefficient of increasing the number of bank clients, the coefficient of operating risk reduction, the coefficient of increasing the speed of customer service and the degree of cost reduction during operations after the implementation of the Touch ID technology. These methods can be extrapolated to any other financial institution and the operated security system.

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