Karcheva I. Economic efficiency of innovative bank activities

In thesis is described scientific and categorical apparatus of core, functions and types of bank innovations and is defined their classification. Is justified the necessity of system organization of innovative bank activities and is developed the theoretical basis of economic efficiency of innovative bank activities that is based on consideration of innovative activity as an ecosystem and its efficiency as a qualitative and quantitative multi-level system indicator of innovative activity performance, banks' ability to implement innovations. Is developed the methodical approach to evaluation of economic efficiency of innovative bank activity with the help of the modular system of balanced efficiency indicators (BSC-model) and is accomplished the experimental approbation of BSC-model for the biggest Ukrainian banks. Is conducted the complex investigation of implementation efficiency and development of innovative systems of remote banking in banks and is suggested the usage of functional and result-oriented approach to efficiency evaluation. Are justified the ways of boosting efficient innovative activity of banks, including the usage of risk-oriented and client-oriented approaches, integral evaluation of economic efficiency of innovative bank activities. Are defined the priority directions for innovative development of banks within the concept of Bank 3.0 that is based on multi-channel customer service, bank development as a digital ecosystem, active usage of remote banking, mobile banking, social media, automation and self-service.