Ustenko S.V.
PhD in Economics, Professor
Ostapovych T.V.
State Higher Education Institution “Vadym Hetman Kyiv National Economic University”


It has become an axiom in business that customers expect digital experiences that match their last great experience with a company. For example, I’m not looking for Bank A to deliver the same or slightly better experience than Bank B. I’m comparing Bank A to Amazon, where I can find what I need in seconds and have it delivered in less than 48 hours. [1] Clients expect to have their needs met on their terms, not your financial institution’s. Increasing the self-service options and adding depth to virtual platforms is a great way to improve relationships with clients [2].

The interaction of the banking client with the mobile application is based on the vital needs that arise every day. Having the ability to take into account the fact that users have a limited number of banking transactions can be taken into account as a moment of user interaction with those applications that are important to the user. Carrying out daily activities, the user has the opportunity to pay for purchases in the store, even without visiting stores or pay for travel in the subway without having to buy a ticket. Such actions occur as the need for the bank’s client to meet the needs, on the one hand, is a routine task that must be performed on the day, and on the other hand, it is the need to process information about all these events. This amount of information that is generated in one day can be a valid source of data that must be provided to the bank’s client every day through social networks, contextual advertising, and direct offers to the bank’s client’s mail.

Architecture of banking services notification system presented at in our opinion, may include the following sufficiently necessary software and hardware:

  • Banking services notification system.
  • Amazon Athena AI.
  • Service Amazon Machine Learning AI.
  • RDS PostgreSQL.
  • Information and analytical system.

The purpose of sending a message to the service provider is to inform the customer of the bank about the possibility of receiving the service, as long as the customer is interested in services, taking into account previous consumption of this service in the past, it can be taken into account to obtain the desired result consumer. Mobile applications in this case are of great value for service providers and consumers, given the fact that the interaction is not only through the touch screen but also through voice commands, the user of the mobile application has the opportunity to receive exactly the services that meet the needs. This is measured by the bank’s credit limit, which is the purpose of possible consumption. Machine learning, taking into account the fact that artificial intelligence, in this case, can decide to send a message to the user about the service to persuade the bank’s client to pay for such a service using banking operations. The bank in this case becomes an integral part of each transaction because if the message to the user is interesting and relevant, the user opens such a message and reads such a message using his mobile device which he currently has the opportunity to use, such a device in most, it is possible to personalize the message based on how, in what way and when the bank’s customer uses the mobile application, in which case the next moment after processing the information related to the offer to provide the service, the bank’s client has the opportunity to read such a message or in other words to open it. This information is also processed and provided by both the mobile application and the payment system. with a mobile device. Such interaction of the bank’s client has the opportunity to provide important information for further formation of messages to best meet the needs of the user and combine such needs with the ability of the bank’s client to pay for such services taking into account the credit limit.


The article presents the need to use notifications for messages following the priority of each of the messages based on machine learning of previous experience and user needs. Banking institutions have the opportunity to interact with customers on the main integration with mobile applications used by customers of the bank. Each of the applications has a message about the services that can be provided to the user. The bank’s customers move around the city according to their needs and can perform the necessary operations using mobile applications that are connected to the payment system. Banking services are becoming more relevant than ever for the bank’s customers and are an integral part of everyday life.


  1. How Will Banks Compete in the Platform Era of Financial Services? [Online]. Available:
  2. How The Amazon Effect Has Changed The Financial Industry [Online]. Available: