Macroeconomic Model of Banking Digitization Process

  • Irina Toropova
  • Anna MingalevaEmail author
  • Pavel Knyazev
Conference paper
Part of the Lecture Notes in Networks and Systems book series (LNNS, volume 78)


The widespread use of digitization in the field of credit and banking activities is based on the fact that it accelerates and reduces the cost of providing relevant services and also increases the security of operations for both banks and their customers. Among the most obvious advantages of banking digitization customers highlight the possibility of remote account management. However, this advantage is associated with serious problems. First of all, it is various embezzlement of funds from bank accounts also with the help of digital technologies, conducting fraudulent operations.

The aim of this research work is to analyze implications of credit and banking sector digitization through macroeconomic modeling.

A significant increase in the number of crimes committed with the help of digital devices and a multiple increase in the amount of damage from them were revealed in the article based on an empirical study. The cumulative negative impact of crimes committed with the help of digital technologies and digital devices was revealed not only on individual banks and the banking system as a whole, but also on the possibilities of the country’s social and economic development.


Digitization of credit and banking sector Macroeconomic model Digital devices Computer crimes Credential theft 


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Copyright information

© Springer Nature Switzerland AG 2020

Authors and Affiliations

  1. 1.GSEM, Ural Federal University Named After the First President of Russia B. N. YeltsinYekaterinburgRussia
  2. 2.FSBEI of HE “Ural State Economic University”YekaterinburgRussia

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