Home Releases 2023 №2 (36)

DIGITAL TRANSFORMATION OF THE BANKING SECTOR IN MODERN CONDITIONS

Finance , UDC: 336.71 DOI: 10.25688/2312-6647.2023.36.2.05

Authors

  • Savchina Oksana Vladimirovna Ph.D. in Economics, Associate Professor
  • Vinicio Xavier Medina Gonzalez Gonzalez Ph.D in History

Annotation

This article provides a systematic overview of the trends in the digital transformation of the banking sector. The main trends in the digital development of banks and the formation of a digital banking model are analysed. The prospects for the digitalization of the Russian banking sector are determined, and the strategic goals of banks in the direction of digital development are considered. Based on the analysis of the Russian banking sector, the article shows the problem of its consolidation, which leads to a synergistic effect: a more resource-secured bank has a significant advantage for making investments in digital development. The necessity of the transformation of the existent business model from classical to digital is also substantiated, regardless of the status of the credit organization.

How to link insert

Savchina, O. V. & Vinicio Xavier, M. G. (2023). DIGITAL TRANSFORMATION OF THE BANKING SECTOR IN MODERN CONDITIONS Bulletin of the Moscow City Pedagogical University. Series "Pedagogy and Psychology", 2023 №2 (36), 55. https://doi.org/10.25688/2312-6647.2023.36.2.05
References
1. 1. Akatkin Yu. M., Karpov O. E`., Konyavskij V. A., Yasinovskaya E. D. Cifrovaya e`konomika: konceptual`naya arxitektura e`kosistemy` cifrovoj otrasli [Digital economy: conceptual architecture of the ecosystem of the digital industry] // Biznes-informatika [Business Informatics]. 2017. № 4 (42). S. 17–28.
2. 2. Gontar` A. A. Cifrovoj banking kak odna iz sostavlyayushhix e`konomicheskoj bezopasnosti kreditnoj organizacii [Digital banking as one of the components of economic security of a credit institutio] // Vestnik Volzhskogo universiteta imeni V. N. Tatishheva. [Vestnik of Volzhsky University after V. N. Tatischev]. 2017. T. 1. № 4. S. 90–96.
3. 3. Didenko V. Yu. Vliyanie e`ry` didzhitalizacii na bankovskie biznes-modeli [The influence of the era of digitalization on banking business models] // Torgovo-e`konomicheskij zhurnal [Trade and Economic Journal]. 2016. № 2. S. 183–194.
4. 4. Dolgushina A. Ya, Poltoradneva N. L. Cifrovaya model` bankovskogo obsluzhivaniya [Digital model of banking services] // Nauchno-texnicheskie vedomosti Sankt-Peterburgskogo gosudarstvennogo politexnicheskogo universiteta. E`konomicheskie nauki. [Scientific and Technical Bulletin of St. Petersburg State Polytechnic University. Economic sciences]. 2016. № 6 (256).S. 206–218.
5. 5. Koshheev V. A., Czvetkov Yu. A. Cifrovaya transformaciya bankovskogo sektora [Digital transformation of the banking sector] // Teoriya i praktika servisa: e`konomika, social`naya sfera, texnologii. [Theory and practice of the service: economy, social sphere, technology.]. 2018. № 4 (38). S. 40–44.
6. 6. Miroshnichenko M. A., Trelevskaya K. I., Mamy`kina E. V. Issledovanie processov «Cifrovizacii» bankovskogo sektora v ramkax e`kosistemy` cifrovoj e`konomiki Rossii [Investigation of the processes of «Digitalization» of the banking sector within the ecosystem of the digital economy of Russia] // Nauchny`j zhurnal KubGAU = Scientific Journal of KubSAU. 2017. № 133. S. 434–447.
7. 7. Osipovskaya A. V. Cifrovizaciya i ee vliyanie na e`konomiku [Digitalization and its impact on the economy] // Aktual`ny`e voprosy` e`konomiki i upravleniya [Topical issues of economics and management]: mat-ly` VII Mezhdunar. nauch. konf. (g. Sankt-Peterburg, aprel` 2019 g.). SPb.: Svoe izdatel`stvo, 2019. S. 8–11.
8. 8. Schaefer M. The seven traits of an effective digital enterprises. [E`lektronny`j resurs] // Personal website of M. Schaefer. URL: https://businessesgrow.com/2014/07/07/digital-enterprise/
Download file .pdf 650.62 kb