PhD Mylenkova R. V.

State Educational Instintution “Ukrainian Academy of Banking NBU”, Ukraine

INFORMATION AND TECHNOLOGICAL ASPECTS IN THE EDUCATION OF FUTURE BANK EMPLOYEES

Integration into the world educational space requires constant improvement the national education system, finding effective ways to improve the quality of educational services, testing and implementation of innovative pedagogical systems, and ensuring equal access of all citizens to quality education, opportunity and freedom of choice in education, modernization of the content of education and the organization of its adequate to world tendencies and requirements of the labour market, ensuring continuity of education and lifelong learning, development of state-public management model. The key task of education in the XXI century is the development of thinking, focused on the sustainable future.
The modern labor market requires from the graduate not only the deep theoretical knowledge and ability to apply them in a non-standard, constantly changing situations, the transition from a society of knowledge to society vitally competent citizens.

Special attention in the context of our study is drawn to the problem of a rigid banking competition in today's economic environment. «Globalization and integration of the Ukrainian banking system into the European world society demands regarding its competitiveness» [88, S. 40]. Studying features, prospects and requirements to specialists in the competitive struggle in the market of banking services are investigated by Azarenkova, R. Vahtel, A. Galchinski, V. Geyets, A. Kinakh, V. Semynozhenko, M Kwasniy, Ch. Lindshtadt, M. Wolf , V. Pischik, V. Pospelova, V. Pradun, A. Savchenko, and others.

Analysis of scientific works shows high interest in the problems of increasing the banking competitiveness. In Particular, V. Pradun notes: «the banking system of Ukraine, in spite of the difficulties caused by the political situation in the state, increasing instability of the currency, financial markets, ... developed more dynamically than other segments of the economy. However, the problem of competitiveness of the country's banking system remains unresolved, especially considering the dynamics of global banking systems» [3, p.10].

Banking is part of the economic education. Economic education has to develop students clear vision of the scientific laws of economy development and peculiarities of market relations, systematic formation of economic knowledge future professionals, high organization and creative initiatives, training them to highly professional work, skilful and careful attitude to nature, to develop the habits of practical use of economic knowledge in real life.
The main paradigm of economic education is the understanding that the development of the economic sphere of society largely depends on the nature of human life, his worldview, socially responsible behavior. Training modern economists requires an understanding of the regularities of formation and development of the reproduction processes on macro and micro levels, in conjunction with the development of political, cultural and other social processes.

The formation of economic knowledge is implemented through a combination of educational, theoretical and practical training components. Cognitive components create not only the system of financial, technological, technical, economic and legal knowledge, but also determine the internal culture of youth, form its readiness to conscious harmonization of relations between society, nature and economy. The theoretical components of training belongs to the outlook and the ability to think creatively, which creates cost-effective and at the same time socially responsible solutions, research skills; practical skills.
Practical components of an economically educated person constitute the motivation and ability continually to improve the competence and practical use of new knowledge for the improvement and development of technical, technological, financial, socio-economic, legal and other support of organizational-economic and managerial processes; to develop personal and collective potential of economic activity on the principles of social partnership and social responsibility.
To study the features of the future professional activity of students, we will resort to the characteristic of the banking competition. Modern banking competition has a number of specific features that distinguish it from other sectors of the economy, namely:

- «For the banks there is no any problem of inaccessibility of sales channels (production and sales of banking services can be localized within the bank).
- Lack of banking patent protection of innovations, which leads to their rapid «renewing» the market and the relatively higher intensity of competition in the area of economic relations.
- The object of competition are not the goods, and resources, therefore the methods of price and non-price competition can be used both attraction and placement of resources.
- Peculiarities of banking competition will be determined also as the specifics of the economic environment and financial market of a particular country, the efficiency of its state-legal mechanism, the degree of development of the banking sector, norms and principles of state regulation of competitive relations in the banking sector» [2, p. 51].

Banking competition of any country, on the one hand, has its own specific features, and, due to globalization processes, accelerated and subject to the conditions of the world market of banking services. Banks, performing such conditions, in order not to lose competitive advantages, must constantly improve their services in accordance with clients ' needs, introduce advanced management structure, which would allow to flexibly respond to the impact of external processes and to make appropriate management decisions.

The above mentioned indicators necessary for the banking success are the features which are necessary for formation during teaching in higher institutions. In addition, analysis of requirements for specialists of bans showed that credit institutions are in need of such employees:

- qualified, capable and purposefully to communicate with the bank's clients and colleagues,
- able clearly to explain the complex operations in the field of financial services,
- able to realize macroeconomic relationships and various aspects of the Bank's policies and to include them in his case, together with the team of specialists of the Bank can successfully solve the financial problems of their clients and colleagues.

In the course of research we have determined the peculiarities of banking as a professional environment. It was found that the main features of the work in credit and financial sphere, in the opinion of A. Alaverdov, refer to [1, p. 13-14]:
- narrow subject specialization associated with a wide range of multidisciplinary nature of banking services;
- high qualification requirements on the majority of directions of activity;
- the process of labor activity has mainly of individual character, that is, in the implementation of the specific Bank operation most often participates not a collective but a private specialist who can hold their colleagues as consultants or technical staff;
- special requirements to the resource, first of all, information support of a labor activity, the results of which are directly connected with completeness, reliability, timeliness of receipt of the information;
- especially stressful work not only of management, but also the of the executive staff, which is the result of the specifics of banking operations. One of the ways to achieve innovativeness of the banks is the level of possession by the specialists of the information processing skills. Now all the more the flow of information becomes intensive, so it brings to the rapidly developing information technologies. Computer systems and networks are an essential means of support of innovation systems and used as artificial intelligence, expert systems. Under the ownership of the information technology we understand the skills of the future specialist to find, analyze, select, use, store and transmit information, necessary for innovation activity, using the necessary resources (electronic, print, human). Information technology provide an opportunity for specialists of banking work in an electronic banking environment, telecommunication networks, information in the clearing operations, management of the activity of banks, systems of electronic payments with the use of ATMs and payment cards, non-paper documents, analyze investments and the financial market etc.

- Selection of the technological component in the structure of training of future bank employees are also conditioned by the importance of ownership of banking technologies, since the banks are on the one hand, and implement internal innovations, and on the other, actively cooperating with the subjects of innovative business. A significant sign of modernity is that Ukrainian banks have started to operate in the new environment: crediting of innovation, science intensive technologies and know-how. In the process of financing innovation activity, banks can perform three functions, namely, [2, p. 160]:
- carry out crediting incomplete scientific and research on order;
- on behalf of customers monitor an innovative project, the progress and quality of works on research and development of science-intensive products, responsible for purposeful and effective use of the allocated funds to the Bank's receipt of a Commission for their services;
- act as investors of an innovative project.
It is quite clear that such activity requires special training of the personnel to participate in innovation processes.

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