LEGAL AND THEORETICAL PROBLEMS OF DETERMINING THE INTERNET BANKING IN UKRAINE

The article is focuses on the research of internet-banking from the standpoint of legal regulation and scientific-theoretical understanding. The growing role of innovative technologies in banking is justified. It is noted that the system of ways of providing banking services is dynamic and important both for the whole banking system and for the individual bank. Various scientific approaches to the definition of "Internet-banking" are considered. It is proposed to consider Internet-banking as a form of banking and as a form of remote customer service to the bank. In the first approach, internet banking is a form of banking activity in which banking operations are carried out through the exchange of electronic signals, rather than by exchanging cash, checks or other types of documents. The second approach involves treating Internet banking as a system of remote servicing of bank customers used by them and banks to conduct banking transactions and provide banking services exclusively through the Internet. The regulation of Internet-banking by legal acts is investigated and its extremely low level is emphasized. The necessity of establishing clear boundaries of use of Internet banking and a clearly defined range of banking services, which may or may not be provided via the Internet. Attention is focused on the following systems of remote customer service of the bank: "telephone banking", "client - bank", "client - Internet bank" and "instant contactless payment". Each of these systems is characterized. The significant difference between telephone banking and mobile banking is substantiated. In the first case, the person receives the service by phone through a call to the support service of the bank, and in this case, the availability of Internet access is currently irrelevant. And using mobile banking to perform any operations requires an Internet connection and the ability to use the mobile application installed on the phone, or go to the appropriate site using a personal computer.