One of the main generally accepted indicators of enterprise performance is profitability. It is of interest to owners of the enterprise and investors as an indicator of the increase in business value and income generation, for managers of the enterprise in terms of the development of the enterprise and its technical modernization, and for the state insofar as the profit is subject to taxation. As the main indicator of the enterprise's activity, it is influenced by many factors that reflect both the production efficiency within the company and the influence of the resource and good markets. We can assume the influence of two groups of factors affecting profitability:
In the article, we analyze the impact of artificial intelligence (AI) on banking development. Banks implement AI to provide digital assistance and financial advice to clients, measure their financial standing etc. The paper also includes cases of the AI solutions marketing and some ideas of brand-new banking AI-based services. Despite the rapid spreading of AI across the different spheres, its efficiency is based, primarily, on consumers` attitude and loyalty to this technology. Our research shows that Russian business and consumers perceive AI in a positive light. Sberbank specialists have a positive attitude to the AI implementation in their work, consider these solutions as assistance in performing routine operations and are not afraid of dismissals. They use AI solutions both at work and in everyday life. The emerging fears are associated with possible technical failure, unauthorized transmission of personal data, lack of privacy, and unexpected consequences of AI implementation. However, in general, experts understand that the future of the financial sector is connected with this technology. According to Sberbank employees, consumers tend to demonstrate a certain level of mistrust to AI, which could result from misunderstanding of how this technology works, and what impact it has on their ways of life. Meanwhile, the level of AI resistance from both sides decreases with time. Therefore, state and financial mediators could create necessary conditions for banking development based on modern technologies.
The present study assesses the wellbeing potential of material and experiential purchases among a group of Tomsk consumers. Four hypotheses are tested. 1) "Consumer preferences differ by age, gender, income level, education" turns to be confirmed; 2) "Purchases of gifts make people more happy than buying for themselves" demonstrated not very stable and weak correlation; 3) "Money spent on material purchases are perceived as a better decision than spent on experience" shows not very strong and statistically not significant correlation. 4) "Experiential purchases lead to more happiness" had no evidence to be proved. Further research is needed to investigate the phenomena more accurately.
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