ПРЕДПОСЫЛКИ И ПРОЦЕСС ЦИФРОВОЙ ТРАНСФОРМАЦИИ БАНКОВСКОГО СЕКТОРА РОССИЙСКОЙ ФЕДЕРАЦИИ

Abstract

The article clarifi es the terms digitalization and digital transformation based on the experience of transforming the processes of credit institutions in Russia and research from foreign companies leading developments in the fi eld of information technology. By studying statistical data on the development of information technologies and the banking services provided, the prerequisites for digital transformation and the current state of the banking sector of the Russian Federation were determined. It was also determined that the introduction of fi nancial technologies represents fi nancial services and services aimed at introducing current tools for digitalization of the fi nancial sector into banking business processes, such as innovative technologies, big data, neural network algorithms, machine learning and artifi cial intelligence, cloud solutions and many other. It has been revealed that the development of financial technologies forms the basis for innovation-oriented development of the fi nancial sector, pursuing the goals of introducing unifi ed fi nancial ecosystems, transition to the latest formats for the provision of fi nancial services, and integration of promising start-up projects with innovative signifi cance and uniqueness. Based on the results of the study, prospects for the development of fi nancial technologies in the context of sanctions restrictions are formed, in particular, the continued development of trends in the popularization of the latest fi nancial technologies and the introduction of ecosystems, import substitution of technologies and overcoming the challenges of digital transformation of the banking sector, improvement of security issues, including through eff ective legal regulation from the regulator.