Impact of the internet of things on banking services and marketing communications of the credit organization

The article analyzes the features of the influence of the Internet of things on the formation of banking services and marketing communications of a credit institution. Four important technological solutions aimed at the digitalization of the banking business have been identified: cloud computing, big data, artificial intelligence and the Internet of things. It is substantiated that mobile banking is the most popular type of remote banking service carried out using the Internet of things. Eight main risks are described that must be taken into account for the successful launch of new banking products based on the use of the potential of the Internet of things. Three main tasks are formulated to improve SberBank’s marketing communications.