Acute Problems of Digital Transformation in Banking Sector-Reference-Cited by-同舟云学术

Acute Problems of Digital Transformation in Banking Sector

Published:2024-07-04 Issue:4 Volume: Page:125-134
ISSN:2587-9251
Container-title:Vestnik of the Plekhanov Russian University of Economics
language:
Short-container-title:Vestn. Ross. èkon. univ. im. G. V. Plehanova

Author:

Anisimov A. Yu.¹,Plakhotnikova M. A.²,Suslova M. A.³,Skryabin O. O.⁴

Affiliation:

1. Moscow University for Industry and Finance "Synergy"

2. PJSC "Rosseti Centre"

3. National University of Science and Technology "MISIS"

4. Russian state academy of intellectual property; National University of Science and Technology "MISIS"

Abstract

The banking sector was among the first to join digital transformation of economy and became a driver of digital technologies used within the frames of B2C and B2B. Bank executives consider banking-process digitalization as a key factor of competitiveness and success on market. Digitalization process in the banking sphere goes on intensively, which requires modernization and adaptation to constantly changing conditions. Therefore, the acute objective is to trace key trends in digital transformation of the banking sector. Major goals of the research are to analyze digitalization rate of the banking sphere and to make up a list of serious problems arising in the process of digital transformation of banks. The authors used such methods of research as comparative analysis, statistical analysis, benchmarking, classification and rating. As a result of the research the article mentioned a list of acute problems of digital transformation of existing Russian banks and possible lines in their solution or minimization of adverse impacts. The authors came to the conclusion that the process of banking activity digitalization is accompanied by both positive and negative factors, the latter forms problematic fields requiring fast settlement.

Publisher

Plekhanov Russian University of Economics (PRUE)

Reference11 articles.

1. Bykanova N. I., Gordya D. V., Evdokimov D. V. Tendentsii i zakonomernosti protsessa tsifrovizatsii bankovskogo sektora [Trends and Regularities in the Process of Digitalization of the Banking Sector]. Nauchnyy rezultat. Ekonomicheskie issledovaniya [Scientific Result. Economic Research], 2020, No. 2, pp. 42–51. (In Russ.).

2. Ivleva M. I. Tendentsiya tsifrovizatsii bankovskoy otrasli [Tendency of Digitalization of the Banking Industry]. Molodoy uchenyy [Young Scientist], 2020, No. 2 (292), pp. 268–270. (In Russ.).

3. Kairbekov A. A. Faktory i trendy razvitiya tsifrovizatsii sovremennykh bankov [Factors and Trends in the Development of Digitalization of Modern Banks]. Ekonomika: vchera, segodnya, zavtra [Economics: Yesterday, Today, Tomorrow], 2021, Vol. 11, No. 3A, pp. 34–41. (In Russ.).

4. Magomaeva L. R. Novye informatsionnye sistemy upravleniya riskami v usloviyakh tsifrovogo bankinga [New Information Risk Management Systems in Digital Banking]. Nauchnyy vestnik: finansy, banki, investitsii [Scientific Bulletin: Finance, Banks, Investments], 2019, No. 1 (46), pp. 86–92. (In Russ.).

5. Mironova D. D., Shershova E. V. Razvitie sovremennykh bankovskikh tekhnologiy v usloviyakh tsifrovoy transformatsii ekonomiki Rossiyskoy Federatsii [Development of Modern Banking Technologies in the Conditions of Digital Transformation of the Economy of the Russian Federation]. Vestnik Altayskoy akademii ekonomiki i prava [Bulletin of the Altai Academy of Economics and Law], 2020, No. 4-3, pp. 378–384. (In Russ.).