Развитие теории управления рисками в условиях расширения присутствия кредитных организаций в цифровом пространстве

Abstract

This article discusses the factors of the digital space that affect the economic security and risk status of credit organizations. The evolving nature of digitalization in the banking sector has led to an increase in risks for its structures, in particular, we are talking about unexpected losses and the growth of operational problems. The necessity of risk acceptance and management for banks is outlined, since, unlike other economic entities, bankruptcy of credit organizations can have systemic consequences. The study of the possibilities of applying the existing methodologies of banks’ risk assessment to the changing external environment and digital space has shown the absence of such in the adaptation of organizations’ work. Risk management practices in banks require the identification and classification of digital risks, a strategy to mitigate these identified risks, adapted to the digital space. The concept is considered and an algorithm for identifying bank digital risks according to business processes is presented. Possibilities of applying risk assessment methods depending on the type of risk and business process are analyzed. Based on the research, the author highlights the features of the trans-formation of the bank’s business model under the influence of digital technologies in the format of capacity building in expanding the bank’s operating activities.