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In this article, you can learn about modern banking business models and platforms. The main goal of the platform is automated tools and systems that offer participants valuable new goods and services. This will further increase competition between banks and bring new opportunities for customers to use. We will look at the role of these modern systems in the next period of banks and the situations that may change.doi:10.5281/zenodo.6663962 fatcat:atgqszwpnrd27h3zj2zwb7psi4