Authors

Tatyana N. Zverkova

Position: Associate Professor of the Department of Banking and Insurance at V.A. Bondarenko Orenburg State University.

Education: higher education in Finance and Credit.

Academic degree: Candidate of Economic Sciences.

Academic title: Associate Professor.

Her research interests cover banking innovations, digitalization and modern technologies in the financial sector. The main areas of work are related to the application of artificial intelligence, Big Data, Open API, FinTech, DeFi and the Bank 5.0 concept in banking, as well as to the study of regional banks and the history of municipal public banks.

Academic identifiers and profiles

• ORCID: https://orcid.org/0000-0002-6540-6154
• eLIBRARY / RSCI profile: SPIN code 2063-0320, AuthorID 632416
• Scopus Author ID: 58695716400
• Personal page on the university website: http://www.osu.ru/doc/1041/kaf/5857/prep/2236

Main research areas

• artificial intelligence and Big Data in banking;
• agentic AI and AI agents;
• digital transformation of banks and Open API implementation;
• FinTech, DeFi and the Bank 5.0 concept;
• banking innovations and development of digital banking products;
• regional banks and their role in the regional economy;
• history of municipal public banks and local credit institutions.

Anatoly I. Zverkov

Total experience in banking: more than 30 years.

Education: higher education in Finance and Credit.

Academic degree: Candidate of Economic Sciences.

Academic title: Associate Professor.

He has extensive experience in the banking sector, including work in banking supervision and executive positions, including Vice President and Economic Adviser of a commercial bank, as well as Financial Director of a manufacturing enterprise. He has taught banking disciplines at a university.

His research interests cover banking activity, financial intermediation, digitalization and modern technologies in the financial sector.

Academic identifiers and profiles

• eLIBRARY / RSCI profile: SPIN code 2063-0320, AuthorID 632416

Main research areas

• digital transformation of banking activity;
• artificial intelligence and Big Data in banking;
• agentic AI and AI agents;
• Open API, FinTech, DeFi and the Bank 5.0 concept;
• banking innovations and development of digital banking products.