Page 45 - Azerbaijan State University of Economics

Aleskerova Y.V., Fedorishina L.I., Todosichuk V.L.: Management Banking Innovative
Financial Technologies in Agrarian Sphere

Net commission income 12 610 15 401 18 081 20 999 23 387
The result of trading operations 2 207 3 993 3 231 3 304 15 511
Gross net income 66 742 73 240 70 655 73 354 92 984
Average income over the past three years 70 212 72 416 78 998
Capital for innovative risk coverage 10 532 10 862 11 850
calculated using the VIA method

The proposed multi-criteria assessment of the impact of digital communications on
the activation of innovation and financial technologies of banks in the agrarian
sector involves outlining the range of external and internal factors, formalizing the
interdependencies of the development of the digital communications of the bank and
the amount of innovations (Internet and mobile banking, branching out of
communications, payment terminals, cash machines, implementation of payment
cards) (Figure 5).

Figure 5: Multi-criteria assessment of the influence of digital communications on the
activation of innovation and financial technologies of banks in the agrarian sector

CONCLUSIONS
According to the results of the work we can draw a number of conclusions:
The theoretical platform for innovation is in constant development and it reflecting
complex and multifaceted processes of scientific and technical, economic and social
development of society is being modified and enriched. The goal of each innovation
is to meet the specific needs and demands of consumers fluctuating due to social
progress.

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