KEY ISSUES IN THE SPHERE OF REMOTE BANKING OF CORPORATE CUSTOMERS AT THE REGIONAL LEVEL

The paper considers the remote banking, or RB, – the youngest and the most popular with corporate customers commercial service, one of the packaged products of settlement and cash services (SCS), and, namely, the issues hindering its development at the regional level using the example of Primorsky Krai. The authors give the definition of remote banking, list its components, mention the brief characteristic of Internet banking, and present a number of advantages compared with its earlier version, PC banking. One of these advantages is the economy of time: there is no need for legal entities to apply personally to a financial institution to make necessary financial transactions or to obtain the information on their accounts, as it can be done remotely using any PC or gadget. Based on the study and comparison of statistical data of Central Bank of the Russian Federation on the dynamics of settlement accounts opening using the Internet connection in Primorye and in the Russian Federation in the whole, the paper evaluates the popularity of the remote banking services. Following the innovations of technical advance, banks try to improve their service package but still the level and the number of remote banking services provided by small commercial organizations of Primorye vary notably from those offered by large banks or online banks. That is why, despite positive characteristics and basing on the analysis of literary sources and the experts’ opinions and reports, the authors identified a number of issues, such as the insecure use of this technology, the provision of the implemented solution recoupment, the information technology staff shortage, and others. Barriers identified in the area of remote banking services hinder to a certain extent the development of this innovative sector at the regional level.