The emission spectra of quantum-well CdSe/ZnSe heterostructures with quantum dots were determined by an optical method. CdSe/ZnSe heterostructures with quantum dots were grown at different temperatures; therefore, surface and deep-level minibands corresponding to the compositions of the structure were determined in the emission spectra. In the photoluminescence spectra, the shift of the radiative spectra is determined depending on the temperature of the grown quantum-size structures.
This article examines the importance of retail banking services in banking, the scientific and theoretical foundations of retail banking services, and the practice of their development in advanced foreign practices. Also, based on the importance of information technologies in the development of retail services, the possibilities of their wide use were considered.