Innovative bank organizational technologies: virtual plastic cards, cash disbursement without card in self-service devices

Abstract

Possibilities of use of virtual plastic cards and cash disburse-ment without card in self-service devices are discussed; are considered an operations procedure when using the virtual card and advantage of their application both to banks, and to clients; need of observance by banks of the principles of ISO specified in national GOST P ISO standards 9000-2015 and GOST P ISO 9001-2015 of the Quality management system is proved (orientation to the consumer; leadership; interaction of people; process approach; improvement; decision-making, based on certificates; management of rela-tionship), including at implementation of timely transformation of the used business model.