TRANSFORMATION OF BANKING ACTIVITY: FROM BANK TO BANKING
This article is aimed at studying the factors obliging to "restructuring" banking activities related to the development of new banking products and services, as well as the introduction of new channels for customer interaction with the bank based on digital technologies. Creative destruction, characterized by the inevitable penetration of advanced information technologies into the banking business, on the one hand, disrupts the functionality of the banking system, and on the other hand, is a potential for the development of a new system for organizing credit relations.