Analysis of the current state and future prospects in the domain of development and maintenance of Internet banking systems

Abstract

Relevance. The development of Internet banking systems requires solving the problem of their design, where the constant development of the industry and the emergence of new requirements, both functional and non-functional, needs to be taken into account. The development of such systems requires a reasonable choice of reference system architecture, as well as the use of modern knowledge-based methods for processing user requirements, to ensure the appropriate level of system quality metrics. Therefore, the issue of building this class of systems is an urgent scientific and technical task.

Goal. The purpose of this study is to analyze the current state and future prospects in the field of development and maintenance of e-Banking systems, which will allow to substantiate their improvement by applying a knowledge-based approach to processing knowledge about the user requirements of system and using microservice architecture as a reference system architecture, which ultimately aims to improve quality metrics.

Research methods. In order to achieve the goal of the study, a review of the existing e-Banking systems in Ukraine was carried out, their comparative analysis was carried out and the diagram of their typical functionality was synthesized. For the further development of this class of systems, the method of time series analysis was chosen as the main method of predicting user actions when working with the functionality of building account statements. The collection of information on the current performance indicators of systems during the construction of statements was carried out too.

The results. Based on the analysis of the current state of affairs, a well-founded conclusion is made about the possibility and feasibility of increasing the performance of e-Banking systems by using a knowledge-oriented approach to processing knowledge about user requirements, as well as microservice architecture in the design and development process of e-Banking systems. Reasonably substantiated proposal to introduce a new separate module for predicting user actions in the system, which will allow the system to perform time- and resource-intensive customer operations in advance for optimal use of system resources.

Conclusions. The considered problems are related to the designing and development of e-Banking systems, an analytical review of existing systems on the Ukrainian market was made, and a diagram of their typical functionality was built. It is proposed to develop a module for predicting user actions in the system, which uses knowledge-oriented methods, and to use it to predict the user`s operation of building a statement of accounts and pre-preparing this statement to improve the performance of e-Banking systems.