数字银行业的新兴趋势:技术,可用性,监管和金融部门的转型
Ada Gallegos1, Luisa Adriana Rodríguez Zavala1, Alejandro Valencia-Arias2,3
1Instituto de Investigación de Estudios de la Mujer, Universidad Ricardo Palma, Santiago de Surco, 15039, Peru.
F1000Research
|February 13, 2026
概括
数字银行通过技术和用户需求改变了金融. 系统性审查对于理解其影响,指导策略和确保有弹性的金融未来至关重要.
科学领域:
- 金融技术 (金融科技)
- 数字化转型 数字化转型
- 全球金融系统 全球金融系统
背景情况:
- 数字银行是全球金融体系变革的主要驱动力.
- 技术进步和用户期望正在重塑金融服务.
- 目前的研究缺乏凝聚力,阻碍了对数字银行业的影响的充分理解.
研究的目的:
- 解决数字银行研究中的方法论和主题分散.
- 综合现有知识,全面了解数字银行业务.
- 引导未来的数字金融领域的研究和战略开发.
主要方法:
- 系统的文献审查.
- 应用分析方法,包括PRISMA方法.
- 技术,监管和用户体验视角的整合.
主要成果:
- 确定在数字银行研究中需要统一的知识.
- 强调了研究方法和主题的分散性.
- 强调了技术,监管和用户体验之间的相互作用.
结论:
- 数字银行需要新的商业模式和监管框架.
- 需要采用综合方法来应对风险并促进金融包容.
- 系统的综合对于一个有弹性和可持续的数字金融系统至关重要.
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