Annotation

The main preconditions for the emergence of neo banking in Ukraine and the world have been considered. The main goals and objectives of virtual banks are defined. The dynamics of the main indicators of banking activity for the last period and the characteristics of neo banking in the developed countries are carried out.

The main points and preconditions of the emergence of virtual banks in the world and in Ukraine have been studied. The main scientific works of the national and foreign scientists are considered, the practical developments and normative-legal base of the state regulation of that branch are analyzed.

The authors studied the impact of introduction of neo banks in the banking sector, particularly through use of financial robots-consultants, use of cryptocurrency, P2R lending. The demand of virtual banks, which is based on the use of completely new instruments of the financial and credit mechanism, is analyzed.

The main advantages of virtual banks over traditional ones, which are based on the convenience and optimality of the financial services system, attracting new instruments of the financial and credit mechanism, have been highlighted. It is emphasized that the higher interest rates and lower commissions, or none of them, are the key elements of the benefits of virtual banking.

It has been noted that an important indicator of the feasibility of neo-banking is a convenient and clear format and modern interface for customers, as well as a high level of service and support for banking services users. It is determined that the lack of paperwork, verification of documents online, the ability to view information on their accounts and transactions from a mobile phone online, as well as card blocking are the key levers towards the attractiveness and practicality of virtual banks in one click.

The main factors and prerequisites for the further development of virtual banking in Ukraine and in the word have been identified.