Современные финансовые технологии представляют собой вновь создаваемые стратегические конкурентные преимущества. В условиях борьбы за рынок и потребителей банкам и другим финансовым институтам предстоит эффективно использовать фактор времени, чтобы вовремя выявить и внедрить необходимые финансовые инновации.
Библиографический список
1. Квинт В. Концепция стратегирования. Т. 1. СПб.: СЗИУ РАНХиГС, 2019. 132 с.
2. Hicks R. A Theory of Economic History. Oxford, U.K.: Clarendon Press, 1969. 181 p.
3. Bencivenga V., Smith B. Financial Intermediation and Endogenous Growth // The Review of Economic Studies. 1991. V. 58. No. 2. Pp.195-209.
4. Greenwood J, Jovanovic B. Financial Development, Growth, and the Distribution of Income // Journal of Political Economy. 1990. V. 98. No. 5. Pp. 1076-1107.
5. Saint-Paul G. Technological Choice, Financial Markets and Economic Development. European // Economic Review. 1992. V. 36. Pp. 763-781.
6. Stiglitz J.E. Globalization and its Discontents. New York: Norton, 2002. 282 p.
7. Global FinTech Report 2017. URL: https:// www.pwc.com/gx/en/industries/financial-services/assets/pwc-global-fintech-report-2017.pdf
8. Global Digital Overview, January 2019. URL: https://datareportal.com/reports/digital- 2019-global-digital-overview.
9. Matt C, Hess T. & Benlian A. Digital Transformation Strategies // Business & Information Systems Engineering. 2015. V. 57. No. 5. Pp. 339-343. DOI: 10.1007/s12599-015- 0401-5.
10. International Finance Corporation World Bank Group. Digital Financial Services: Challenges and Opportunities for Emerging Market Banks. 2017. EMCompass. No. 42. https://openknowledge.worldbank.org/ handle/10986/30368.
11. Cirkel A.M., Santabarbara D. European Central Bank. Domestic Financial Development in Emerging Economies Evidence and Implications. ECB Occasional Paper. No. 102. 63 p.
12. New Development Bank NDB. Annual Report 2018. URL: https://www.ndb.int/wp- content/uploads/2019/07/NDB-AR2018.pdf.
13. Годовой отчет АО «Национальная система платежных карт» за 2018 год. URL: https://mironline.ru/upload/iblock/f21/ f2183f22db0c2cc9103d4052dc8129b4.pdf.
14. Unleashing the potential of FinTech in banking EY. URL: ey.com/Publication/ vwLUAssets/ey-unleashing-the-potential-of-fin- tech-in-banking/% 24File/ey-unleashing-the-potential-of-fin-tech-in-banking.pdf.
References
1. Kvint V.L. The Concept of Strategizing. Vol. 1. SPb.: NWIM RANEPA, 2019. 132 p. (In Russ.).
2. Hicks R. A Theory of Economic History. Oxford, U.K.: Clarendon Press, 1969. 181 p.
3. Bencivenga V. and B. Smith B. 1991. Financial Intermediation and Endogenous Growth. The Review of Economic Studies. 1991. Vol. 58. No. 2. Pp. 195-209.
4. Greenwood J., Jovanovic B. 1990. Financial Development, Growth, and the Distribution of Income. Journal of Political Economy, 1990. Vol. 98. No. 5. Pp. 1076-1107.
5. Saint-Paul, G. Technological Choice, Financial Markets and Economic Development. European. Economic Review. 1992.Vol. 36. Pp. 763-781.
6. Stiglitz J.E. Globalization and its Discontents. New York: Norton, 2002. 284 p.
7. Global FinTech Report 2017. Available at: https://www.pwc.com/gx/en/industries/financial-services/assets/pwc-global-fintech-report-2017.pdf.
8. Global Digital Overview, January 2019. Available at: https://datareportal.com/reports/ digital-2019-global-digital-overview.
9. Matt C., Hess T. & Benlian A. Digital Transformation Strategies. Business & Information Systems Engineering, 2015. Vol. 57. No. 5. Pp. 339-343. DOI: 10.1007/s12599-015- 0401-5.
10. International Finance Corporation World Bank Group. Digital Financial Services: Challenges and Opportunities for Emerging Market Banks. 2017. EMCompass. No. 42. Available at: https://openknowledge.worldbank. org/handle/10986/30368.
11. Cirkel A.M., Santabarbara D. European Central Bank. Domestic Financial Development in Emerging Economies Evidence and Implications. 2009. ECB Occasional Paper. No. 102. 63 p.
12. New Development Bank NDB. Annual Report 2018. Available at: https://www.ndb.int/ wp-content/uploads/2019/07/NDB-AR2018.pdf.
13. Annual report of the National Payment Card System JSC for 2018. Available at: https://mironline.ru/upload/iblock/f21/ f2183f22db0c2cc9103d4052dc8129b4.pdf (In Russ.).
14. Unleashing the potential of FinTech in banking EY. Available at: ey.com/Publication/vwLUAssets/ey-unleashing-the-potential-of-fintech-in-banking/% 24File/ey-unleashing-the-potential-of-fin-tech-in-banking.pdf.