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The Limits of Applicability of Cloud Technologies in Banking

Student: Ekaterina Plyushcheva

Supervisor: Tatiana Yakushkina

Faculty: Graduate School of Business

Educational Programme: Business Informatics (Bachelor)

Year of Graduation: 2017

Nowadays modern technologies develop pretty fast and innovations are introduced into all spheres of life, including the banking sphere. It is widely known that banks develop at a tremendous rate: new systems are created to optimize processes within the bank, new applications for different types of customers emerge and more and more people get involved in the work with both external and internal data. Banks actively study all those innovations recently emerged on the market and how their competitors use them. New technologies allow to speed up and optimize processes, improve the quality of the services and attract new customers. One type of such technology is cloud computing. The main aim of the thesis is to find the limits of the applicability of the cloud technologies in the banking sector at the moment. The paper discusses the main ways of using cloud computing in the banks now, as well as describes the advantages of using them, considered in terms of one particular case. To find the exact limits of the applicability of the cloud technologies the main factors that slow down their implementation in the banks' systems have been examined. As a result of the second chapter, the major areas for developing of the cloud computing in the banking sphere in the near future are listed. In the practical part, based on the real case, the testing process before and after the introduction of the cloud technologies is analyzed, the main advantages are revealed and also the savings are calculated. Then, the work provides the recommendation to implement a cloud-based electronic document management system. Finally, the paper describes the main risks when preparing for exploitation of a produced solution, gives the reasons why it is necessary to implement a ready-made cloud solution instead of developing a local system and examines the processes before and after the start of using clouds. The work consists of 44 pages of A4 format, includes 11 figures and 3 tables.

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