Modern trends of digitalization in the banking sector

Современные тенденции цифровизации в банковской сфере

Natalia Yu. Lebedeva (Лебедева Н.Ю.), Artem I. Kolosov (Колосов А.И.) and Ekaterina S. Lobacheva (Лобачева Е.С.)
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Natalia Yu. Lebedeva (Лебедева Н.Ю.): Southern Federal University
Artem I. Kolosov (Колосов А.И.): Southern Federal University
Ekaterina S. Lobacheva (Лобачева Е.С.): Southern Federal University

State and Municipal Management Scholar Notes, 2024, vol. 2, 114-120

Abstract: The article examines the current trends in the digitalization of the banking sector, analyzing the impact of new technologies on banking services and operations, which is an integral part of the modern world and is actively developing in Russia. The article is aimed at researching the digital maturity of banking organizations and their readiness for global changes within the framework of digital transformation. The au-thor draws attention to several key aspects, such as fast payment systems (SBPs), payment stickers, Buy Now Pay Later (BNPL) and the introduction of the Digital Ruble. The relevance of the study is to identify the importance of digital technologies to improve the efficiency and convenience of financial transactions, and considers their potential and possible risks. The methodological base of the study is based on the analysis of data from information and analytical reviews of the SDI360 digital audit agency together with experts from partner companies. In general, the article provides an overview of current trends in digitalization in the banking sector and emphasizes their importance for the development of the industry. The practical significance of this article lies in the fact that it will help banking professionals and managers to better understand current trends in digitalization and their impact on the banking sector. This will allow them to make more informed decisions when developing and implementing digital strategies, as well as improve the quality of services and operations provided. The scientific significance of the article lies in the fact that it provides an analysis of current trends in digitalization in the banking sector based on current data and research. This can be useful for scientists, students and anyone interested in the development of the banking industry in the context of the digital economy. The article can also serve as a basis for further research in this area. Thus, the article on current trends in digitalization in the banking sector has both practical and theoretical significance, contributing to the development of the banking industry and scientific understanding of digital transformation in this area.

Keywords: digitalization; banking sector; digital ruble; digital maturity of banks; digitalization trends (search for similar items in EconPapers)
Date: 2024
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