Application of the international experience of digital transformation in remote bank services

The article considers the experience of digital transformation of banking services in foreign countries from the point of view of its application in Russian practice. The study was conducted by analytical, economic and statistical methods on the basis of legislative regulations and economic reports. New types of operations arising on the basis of rapidly developing information technologies are considered and classified. It is shown that in different countries the pace of launching quick payment systems and other innovative means of customer service, as well as the conditions for their functioning, are determined by the goals and objectives, therefore, users are offered different functionality. The practice of developing mobile banks abroad is heterogeneous. Based on the experience of leading countries in this field, Russian banks independently implement and develop innovative payment technologies. The audience of domestic mobile banks in Russia is growing steadily. The main calculation, as in foreign countries, is done on an active, self-educated, open to creative contact user who is able not only to respond, but also to generate new conditions for interaction. The expansion of international banking cooperation and the standardization of approaches in the field of mobile payments will inevitably lead to the fact that mobile devices, replacing cash and reducing the share of bank cards, will play a leading role in making payments, as they provide a combination of flexibility and accessibility.