title: Problems of establishing the practice of remote identification of clients in the Russian banking system (economic aspects)
metadata.name: dc.contributor.author
metadata.value: Ezrokh, Yurii S.
metadata.lang: -
metadata.name: dc.date.accessioned
metadata.value: 2020-09-03T12:55:39Z
metadata.lang: -
metadata.name: dc.date.available
metadata.value: 2020-09-03T12:55:39Z
metadata.lang: -
metadata.name: dc.date.issued
metadata.value: 2020-06
metadata.lang: -
metadata.name: dc.identifier.citation
metadata.value: Ezrokh Y. S. (2020) Problems of establishing the practice of remote identification of clients in the Russian banking system (economic aspects). St Petersburg University Journal of Economic Studies, vol. 36, iss. 2, pp. 266–286.
metadata.lang: en_GB
metadata.name: dc.identifier.other
metadata.value: https://doi.org/10.21638/spbu05.2020.205
metadata.lang: -
metadata.name: dc.identifier.uri
metadata.value: http://hdl.handle.net/11701/19111
metadata.lang: -
metadata.name: dc.description.abstract
metadata.value: The article analyses the economic aspects of establishing the practice of remote client identification by Russian credit institutions. Developing such practices is necessitated by the permanent digitization of the interaction between subjects of banking relations. The article presents the results of an analysis of the economic aspects of remote client identification by banks in developed and developing countries (Austria, Great Britain, India, China, USA, Sweden, Switzerland, and South Korea). The research reveals the theoretical and practical peculiarities of the banking biometric identification system currently functioning in Russia. On the basis of this analysis, the author identifies economic reasons for the lack of motivation of most Russian banks to develop new practices. For the first time in Russian economic literature, the key problems that impede remote client identification have been discussed systematically, including: a) risk of unauthorized access to the central database; b) concerns about privacy violations; c) lack of free access to materials on software testing, guarantees of developer companies, operators, etc.; d) risk of unauthorized access to the UBS by outsiders successfully using identification procedures; e) exposure to financial risks from unauthorized access to the UBS, transferred to clients; f) unsatisfactory results of combating banking cybercrime in Russia. The author advances several robust proposals to overcome these problems and minimize the economic risks of applying remote client identification systems in Russia, taking into account the positive and negative experiences of foreign countries.
metadata.lang: en_GB
metadata.name: dc.language.iso
metadata.value: en
metadata.lang: en_GB
metadata.name: dc.publisher
metadata.value: St Petersburg State University
metadata.lang: en_GB
metadata.name: dc.relation.ispartofseries
metadata.value: St Petersburg University Journal of Economic Studies;Volume 36; Issue 2
metadata.lang: -
metadata.name: dc.subject
metadata.value: biometrics
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: video-identification
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: UBS
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: client identification
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: cybercrime
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: online identification
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: fintech
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: economic risks of remote identification
metadata.lang: en_GB
metadata.name: dc.title
metadata.value: Problems of establishing the practice of remote identification of clients in the Russian banking system (economic aspects)
metadata.lang: en_GB
metadata.name: dc.type
metadata.value: Article
metadata.lang: en_GB
resources.filename: 266-286.pdf
resources.url: https://dspace.spbu.ru/bitstream/11701/19111/1/266-286.pdf
resources.format: Adobe PDF
resources.size: 904,51 kB