Тренды в банковской отрасли в эпоху развития цифровых технологий

Abstract

Abstract. The intensive development and spread of digital technologies have a significant impact on the financial market. More and more commercial banks are striving to move to tradi-tional and digital banking, thereby meeting the financial and non-financial needs of cus-tomers and reducing their costs and increasing efficiency. The purpose of the study is to identify, systematize and generalize key trends in the development of the banking sector in the era of digital technology development based on an assessment of the most promis-ing technological and platform solutions. The object of the study was the performance indicators and technologies of the banking sector. In the course of the study, general scientific, analytical, statistical graphical methods, as well as methods of expert assess-ments were used. The author highlights the essence of the ongoing changes and technological solutions in the banking sector of Russia, highlights the main trends in the development of the bank-ing business, analyzes their state, and possible ways to accelerate the digital transfor-mation of the banking industry. Particular attention is paid to state regulation of the pro-cesses of digitalization of the banking sector. The authors conclude that the main devel-opment drivers are both platform and technological solutions: big data, open API, re-mote authentication, ecosystems, as well as projects of the Bank of Russia: masterplace, masterchain, digital ruble