Keyword: «banking services»

The author researches the consumers' opinions of banking services in Kirov and the Kirov region, the results of the research can be used in the selection and implementation of the strategy and tactics of the marketing activities of enterprises.

This article proved the necessity of separating the concepts of "banking service" and "Bank product", presents the basic approaches to their definition. The estimation of modern condition of the market of banking products and services and the directions of their development in Russia

Innovations that are being introduced in the banking sector are one of the most relevant topics related to the transformation of the banking business. Banks spend a lot of resources to increase sales of services. The understanding of innovation and its perception by the banks themselves and their customers are radically different. As usual, the financial service provider (bank) and the consumer of these services (client) each have their own point of view on the very concept of "innovation" or "innovative technologies". And sometimes these points of view are diametrically opposed. We can say that the introduction of innovations in banks takes place in two directions: in the direction of technological innovations and in the direction of improving customer service processes. For many years, innovations have been a tool for optimizing the costs of credit and financial institutions and have occurred in such areas as IT, marketing, CRM, packaging and design of banking products.

The article presents the need to use modern innovative approaches and mechanisms for assessing credit transactions and risks aimed at preventing them and minimizing losses. The main problematic aspects of the quality of credit transactions are identified, as well as the use of digital technologies and the improvement of financial literacy of the population are justified.