These innovations are associated with the development and improvement of information technology (IT) than in modern conditions a large extent determines the effectiveness of the implementation of financial and banking activities.
At the same time, the management of the process of technological changes should take into account that the projects themselves, for example, electronic banking guarantee, do not create additional value for both the bank and its customers; The basis for their application should be a worked out business strategy, and only this allows you to achieve real competitive advantages.
