Цифровизация банковской системы: цифровая трансформация среды и бизнес-процессов

Abstract

The article presents the key aspects of the banking sector’s development in the conditions of digitalization: trends in the development of digital technologies of banks as well as changes in business processes, banking products and services, service models and development of banks’ own ecosystems occurring under their influence. Analysis of domestic and foreign practices of using digital technologies in planning, monitoring and evaluation of management decisions made it possible to formulate proposals on priority areas of application of digital technologies within the framework of further mastering the principles and procedures in management based on results. The study determines that digital transformation of environment and business processes will be the main direction of development for any business, including banking. Moreover, the development of the banking system through the use of end-to-end technologies will solve many problems. For example, end-to-end technologies such as machine learning, artificial intelligence, blockchain, P2P lending, and robotics will accelerate technological change; personalize offers; increase the speed of banking operations; improve the accuracy of calculations; and reduce the risk of intentional distortion of reporting data. Methods of analysis, modeling and analogy were used in setting and solving problems. The study defines the concept of a digital bank; identifies problems and prospects for digital applications in the banking sector; and proposes the main directions for achieving success in digital transformation of environment and business processes within banks.