{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,3,16]],"date-time":"2026-03-16T21:09:15Z","timestamp":1773695355713,"version":"3.50.1"},"reference-count":28,"publisher":"IEEE","license":[{"start":{"date-parts":[[2018,1,1]],"date-time":"2018-01-01T00:00:00Z","timestamp":1514764800000},"content-version":"stm-asf","delay-in-days":0,"URL":"https:\/\/doi.org\/10.15223\/policy-029"},{"start":{"date-parts":[[2018,1,1]],"date-time":"2018-01-01T00:00:00Z","timestamp":1514764800000},"content-version":"stm-asf","delay-in-days":0,"URL":"https:\/\/doi.org\/10.15223\/policy-037"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2018,1]]},"DOI":"10.1109\/icoin.2018.8343196","type":"proceedings-article","created":{"date-parts":[[2018,4,23]],"date-time":"2018-04-23T19:37:19Z","timestamp":1524512239000},"page":"636-639","source":"Crossref","is-referenced-by-count":7,"title":["Digitalization of banking in Russia: Overview"],"prefix":"10.1109","author":[{"given":"Tatiana J.","family":"Kudryavtseva","sequence":"first","affiliation":[{"name":"Graduate School of Public and Financial Management, Peter the Great St. Petersburg Polytechnic University, St. Petersburg, Russia"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Angi E.","family":"Skhvediani","sequence":"additional","affiliation":[{"name":"Graduate School of Public and Financial Management, Peter the Great St. Petersburg Polytechnic University, St. Petersburg, Russia"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Arseniy A.","family":"Bondarev","sequence":"additional","affiliation":[{"name":"Graduate School of Public and Financial Management, Peter the Great St. Petersburg Polytechnic University, St. Petersburg, Russia"}],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"263","reference":[{"key":"ref10","author":"ezhov","year":"2017","journal-title":"RegTech or Technology for Regulators Why &#x201C;Wolves&#x201D; will Leave Wall Street?"},{"key":"ref11","year":"2016","journal-title":"Fintech and the Evolving Landscape"},{"key":"ref12","first-page":"308","article-title":"Comparative Analysis of Risks of Fintech Companies and Commercial Banks in the Conditions of Digital Economy","author":"galiy","year":"2017","journal-title":"Proceedings of V International Scientific Congress"},{"key":"ref13","doi-asserted-by":"publisher","DOI":"10.1016\/S2212-5671(14)00572-3"},{"key":"ref14","year":"0"},{"key":"ref15","year":"0"},{"key":"ref16","year":"2017","journal-title":"Information on registration and licensing of credit institutions"},{"key":"ref17","article-title":"Digitalization: Definition, Background of Origin, and Application Areas","author":"kuprina","year":"2016","journal-title":"The Bulletin of Scientific Conferences"},{"key":"ref18","author":"manyika","year":"2016","journal-title":"Digital Economy Trends Opportunities and Challenges"},{"key":"ref19","article-title":"Estimation of Borrowers' Solvency with Big Data: Problems and Prospects of Implementation in Russia","author":"ordynskiy","year":"2017","journal-title":"? International Journal of Scientific Research"},{"key":"ref28","doi-asserted-by":"publisher","DOI":"10.1109\/SMRLO.2016.93"},{"key":"ref4","first-page":"25","article-title":"Analyzing the Use of Cloud Services and Assessing the Possibilities of Introducing them to Russian Financial Institutions","author":"bataev","year":"2017","journal-title":"Proceedings of the 29th International Business Information Management Association Conference - Education Excellence and Innovation Management through Vision 2020 From Regional Development Sustainability to Global Economic Growth IBIMA 2017"},{"key":"ref27","first-page":"315","article-title":"High-Tech sector in the conditions of institutionalization of the smart economy (on the example of the telecommunication industry)","volume":"10531","author":"vasilenko","year":"2017","journal-title":"Lecture Notes in Computer Science (including subseries Lecture Notes in Artificial Intelligence and Lecture Notes in Bioinformatics)"},{"key":"ref3","first-page":"1","article-title":"The Global Information Technology Report 2016","author":"baller","year":"2016","journal-title":"World Economic Forum"},{"key":"ref6","doi-asserted-by":"publisher","DOI":"10.1007\/s11747-010-0202-9"},{"key":"ref5","first-page":"36","article-title":"Implementing Cloud Automated Banking Systems Innovative Way of Financial Institutions","author":"bataev","year":"2017","journal-title":"Proceedings of the 29th International Business Information Management Association Conference - Education Excellence and Innovation Management through Vision 2020 From Regional Development Sustainability to Global Economic Growth"},{"key":"ref8","first-page":"183","article-title":"The Effect of Digitalization Era on Banking Business Models","volume":"3","author":"didenko","year":"2016","journal-title":"Russian Journal of Retail Management"},{"key":"ref7","author":"christensen","year":"1995","journal-title":"Disruptive Technologies Catching the Wave Harvard Business Review"},{"key":"ref2","year":"2017","journal-title":"Digital Pulse 2017 Outlook & Perspectives from the Market"},{"key":"ref9","year":"2017","journal-title":"Digitalization Definition"},{"key":"ref1","author":"aptekman","year":"2017","journal-title":"Digital Russia A New Reality"},{"key":"ref20","first-page":"174","author":"pustovalov","year":"2017","journal-title":"Digitalization as the Major Trend of the Bank 3 0 Directions for the Development of the Banking Sector in the New Economic Conditions"},{"key":"ref22","first-page":"2699","article-title":"Regional Foresight as a Technology for Development of the Regional Innovation System","author":"rodionov","year":"2017","journal-title":"Proceedings of the 29th International Business Information Management Association Conference - Education Excellence and Innovation Management through Vision 2020 From Regional Development Sustainability to Global Economic Growth"},{"key":"ref21","first-page":"3437","article-title":"Assessment of the Effectiveness of Regional Innovation Systems in Russia","author":"rodionov","year":"2017","journal-title":"Proceedings of the 29th International Business Information Management Association Conference - Education Excellence and Innovation Management through Vision 2020 From Regional Development Sustainability to Global Economic Growth"},{"key":"ref24","article-title":"The Digital Economy: Promise and Peril in the Age of Networked Intelligence","author":"tapscott","year":"1996","journal-title":"New York McGraw-Hill"},{"key":"ref23","author":"schwab","year":"2016","journal-title":"The Fourth Industrial Revolution"},{"key":"ref26","first-page":"457","article-title":"Evaluation of the quality of the process by measuring the index of opportunities","volume":"11","author":"alasas","year":"2017","journal-title":"International Journal for Quality Research"},{"key":"ref25","doi-asserted-by":"publisher","DOI":"10.1109\/ICRITO.2016.7784933"}],"event":{"name":"2018 International Conference on Information Networking (ICOIN)","location":"Chiang Mai, Thailand","start":{"date-parts":[[2018,1,10]]},"end":{"date-parts":[[2018,1,12]]}},"container-title":["2018 International Conference on Information Networking (ICOIN)"],"original-title":[],"link":[{"URL":"http:\/\/xplorestaging.ieee.org\/ielx7\/8337483\/8343066\/08343196.pdf?arnumber=8343196","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2026,3,16]],"date-time":"2026-03-16T20:13:14Z","timestamp":1773691994000},"score":1,"resource":{"primary":{"URL":"https:\/\/ieeexplore.ieee.org\/document\/8343196\/"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2018,1]]},"references-count":28,"URL":"https:\/\/doi.org\/10.1109\/icoin.2018.8343196","relation":{},"subject":[],"published":{"date-parts":[[2018,1]]}}}