Conditions Of Digital Transformation Research Articles

INTERNATIONAL EXPERIENCE OF STATE REGULATION OF THE FOOD INDUSTRY IN THE CONTEXT OF DIGITAL TRANSFORMATION

The article is devoted to researching the international experience of state regulation of the food industry in the conditions of digital transformation and determining ways of its adaptation to Ukrainian realities. The experience of the EU, the USA, China, Canada, Australia and India in the application of digital transformation technologies and innovations in the state regulation of food business was studied. The key factors for the successful implementation of digital technologies in the regulatory mechanisms of the food industry have been identified, including: the creation of a legal framework, investment in the development of digital infrastructure, increasing the digital literacy of employees and consumers, as well as cooperation between state bodies. The results of the conducted research emphasize the need for an integrated approach combining technological innovation, cooperation between governments, industry and scientific institutions, as well as strict quality standards. The integration of advanced technologies and partnerships between the government and the private sector are key elements for the sustainable development of the food industry.

Cloud Technologies as a Tool for Increasing Sales in Modern Trade Organizations.

In the context of increasing business digitalization and the need to adapt to the challenges of the digital economy, cloud technologies are becoming a key tool for enhancing the efficiency and competitiveness of trade organizations. This study is dedicated to analyzing the prospects and opportunities for using cloud solutions to increase sales in the trade sector. The article discusses the main models of cloud service provision, their advantages, and their impact on various tasks in the activities of trading enterprises. Special attention is given to the capabilities of cloud technologies in improving analytics, managing customer relationships, and implementing an omnichannel interaction strategy. The research concludes that the implementation of cloud solutions contributes to increased sales, cost optimization, and the formation of competitive advantages for trade organizations, setting the foundation for sustainable growth and development in the conditions of digital transformation and the increasing digital divide.

Economic Security Management in Regions with Weak Economies in the Conditions of Digital Transformation

Economic Security Management in Regions with Weak Economies in the Conditions of Digital Transformation

Challenges of team building in the context of digitalization at production facilities

The article deals with the fact that the progress of scientific research and the evolution of the global economic environment in the XXI century has caused significant transformations in the paradigms of the functioning of organizations, generating new strategies for doing business. Particular attention is paid to the study of the dynamics of the formation of command structures in the conditions of digital transformation, which necessitates a comprehensive scientific analysis, especially in the perspective of remote work organization. In this context, the digital space becomes a predominant arena of interaction, which affects the structuring and development of social interrelationships within organizations. The article investigates the process of team building and interaction in the organization in the conditions of digitalization, as well as the active introduction of the remote format of work in its activities. The study includes the stages of team formation, the impact of offline and online interaction, employee satisfaction, problems and decisions made by managers to compensate for the shortcomings of digitalization. The results indicate the need for further research in the areas of virtual collaboration skills, organizational culture management, and leadership adaptation to remote work environments to optimize virtual team processes.

Business Models of Enterprises in the Conditions of Digital Transformation: Global and Domestic Experience

Abstract The article aims to provide a comprehensive overview of both theoretical concepts and practical applications regarding the transformation of business models in the context of digitalizing the economy. In the current digital landscape, traditional business models may no longer suffice to sustain growth and competitiveness. Therefore, there is a pressing need to identify and adopt novel approaches that leverage digital technologies to their fullest potential. By examining the latest trends and emerging paradigms in economy’s, the article aims to re-think their strategies and embrace digital transformation proactively. This involves not only incorporating technology into existing operations but also reimagining the entire business model to capitalize on new opportunities and address evolving consumer behaviors. Furthermore, the article aims to provide practical insights and actionable recommendations for businesses looking to embark on their digital transformation journey.

Staffing of the electric power industry of the Russian Federation under conditions of digital transformation

The article considers the problem of implementing the process of digitalization of the energy industry, using the example of the Rosseti group of companies, a partner of the state corporation Rosatom in the field of IT development, from the point of view of staffing in the current state of the labour market. The purpose of the research work is to develop relevant mechanisms, search for modern personnel management tools in the context of digital transformation of the electric grid complex of the Russian Federation. The scientific novelty of the research is reduced to the following provisions: the main directions of digitalization of an electric grid company are systematized, on the basis of which the organizational and economic mechanism of the process of digital transformation of an electric grid company is modelled; a classification of modern tools of the business process of personnel management of an electric grid company is proposed. Methodology and methods. To study trends in the digitalization process of electric grid companies, general scientific methods are used (theoretical analysis of scientific works, empirical, logical, classification and modelling methods). A review of publications is carried out, which made it possible to determine the subject area of the research work. Results. The main processes within the electric grid company that will be transformed in the process of digitalization are considered, using the example of the Rosseti Group of Companies. Taking into account the considered areas of digitalization of activities, an organizational and economic mechanism of the digitalization process of an electric grid company has been formulated, which is distinguished by the rationale for the author’s definition of digitalization on the scale of the energy industry. The role of high-quality staffing in the implementation of digital processes and activities of electric grid companies is determined and specific requirements for applicant’s characteristic of the energy industry are identified. The structure of the human resource management business process is considered, digital tools are selected for each subprocess that will help improve staffing levels and the efficiency of using labour resources of the electric grid company. Discussion. An effective personnel policy aimed at maximizing the company's staffing with qualified personnel is one of the key solutions in increasing the reliability and sustainability of the energy industry during the period of digitalization. Standard tools in the field of personnel management may not work in the context of both a demographic personnel shortage and the current migration of labour resources to the defence and military industries. Constant adaptation of the used methods and practices of personnel management is required, taking into account the digitalization of this business process and the challenges that the energy industry of the Russian Federation currently faces.

Development of the circulation of digital financial assets in the world in the context of digital transformation

Aim. To study and describe the main trends in the development of the world market of digital financial assets in the conditions of digital transformation. Objectives. To disclose the essence and role of digital transformation at the present stage; to consider the emergence of digital financial assets and the possibilities of their application against the background of high growth rates of the cryptoasset market; to analyze the main indicators of digital currencies as of February 2024; to identify the key characteristics of the use of cryptocurrencies by different countries; to rank countries according to the index of cryptocurrency ownership for 2023; to describe the development trends of the circulation of digital financial assets in the world in the conditions of digital transformation.Methods. The study uses complex and logical approaches, general scientific methods (analysis, synthesis), methods of comparative and economic analysis, analytical processing and graphical presentation of information.Results. The leading trends in the development of the global market of digital financial assets in the conditions of digital transformation have been considered. The indicators of the top 10 largest digital currencies by market capitalization are highlighted. Based on the results of the study, the ranking of countries by the index of cryptocurrency ownership for 2023 was compiled. The main indicators of digital currencies for February 2024 were analyzed. The key characteristics of cryptocurrency use by different countries in the context of high rate of digital transformation were described.Conclusions. The results of the conducted research allowed us to conclude that the current transformation of the global economy, associated with the active development of breakthrough technologies, including distributed ledger technologies (DLT) and blockchain, has become a trigger for the emergence of digital financial assets and expanded the possibilities of their application in the context of high growth rate of the cryptoasset market. The analysis of the current state and development of the circulation of digital financial assets in the world under the conditions of digital transformation shows the growing interest in the use of cryptocurrencies and the introduction of blockchain technologies in the financial systems of various countries, as well as the growing use of cryptocurrencies by companies and individuals. Taking into account the review of global trends, development of fintech technologies, the conclusion is made about the inevitability of the processes of digitalization of financial assets, the emergence of new forms of digital assets, which dictate the need for advanced development of their legal regulation. In the future, the development of digital assets will give them the official status of a means of payment and expand their use in the system of financial relations in the conditions of digital transformation both in Russia and abroad.

Managerial challenges in the conditions of digitalisation. A review of the book “Management for digital transformation” (Springer, 2024)

The active processes of digitalisation of socio-economic systems require modifications of managerial activities which should be facilitated by relevant scientific developments. This article is a review of the monograph devoted to peculiarities of management in the conditions of digital transformation and written by the international team of specialists. The work includes 9 main chapters which address very different aspects of the problem and particularly control during digitalisation, technology transfer, talent management, interaction with customers, marketing tools, e-commerce, functioning of virtual teams, inter-organisational collaboration, management of digital waste. Generally, it is found that despite the fact that digitalisation opens new perspectives for managerial activities, it also forms significant difficulties, and its effects are ambivalent or can often be negative. The considered research field seems to be rather poorly studied, and the monograph successfully poses new questions for the subsequent investigations. The reviewed work demonstrates the mosaic composition; nonetheless, it is informative and offers an original view of the problem. It contains a lot of interesting conceptual constructs and is rich in factual materials. Also, the edition is distinguished by a substantial number of terms, and the available subject index facilitates better orientation in the latter. The style is purely academic, but the potential readership seems to be wide. Despite a few minor deficiencies, the monograph, undoubtedly, will be interesting to Russian specialists.

Digital tools as a key element of human resource management technology in the conditions of digital transformation

Aim. To identify technological features of human resource management (HRM) in the conditions of digital transformation.Objectives. To describe the main directions of HRM technology transformation in modern conditions; to define the concept of "digital tools"; to systematize the digital tools used in modern conditions; to identify promising directions of using digital tools on the way of digital trans- formation.Methods. The authors used in the research process the methods of contextual analysis, modeling terms and models, induction and deduction, synthesis and description, applied methods of comparative, system and structural analysis.Results. The outcome of the digital transformation of business is a progressive process, which in the end will radically affect the functioning of personnel. In this regard, the concept of "digital tools" of HRM is defined, their relationship with HRM technologies is revealed. It is revealed what digital tools are most often used today in Russian companies, whether there is their classification by forms of application and whether digital tools affect the technological process of HRM. The peculiarity of applying HRM tools from the possible set of tools is its scientific substantiation on the one hand and the practice of its application on the other. The basis is the orientation on the solution of a certain problem faced by the company in the current period. In order to get an effective effect, it is necessary to refuse from haphazard ap- plication of tools. A technological process of HRM should be formed, which will be based on a clearly structured sequence of actions that are interchangeable. An important element that should be paid close attention to is the understanding that the new information reality will place increased demands on the competencies of personnel. The article emphasizes that the digital transformation of business should be carried out progressively, taking into account the timely mastering of new digital competencies by employees.Conclusions. The digital transformation of business taking place today launches new, previously unobserved processes that cover all spheres of functioning of real commercial enterprises. Business can get a new quality both in the aspect of formation of management decisions on an objec- tive basis and in the framework of HRM. In this regard, it is safe to say that we are waiting for a systemic restructuring of the main business processes and, as a consequence, the introduction of new HRM tools, on the basis of which it will be possible to design digital HRM technologies.

НR-ТЕХНОЛОГІЇ В УПРАВЛІННІ ПЕРСОНАЛОМ ЯК СКЛАДОВА ФІНАНСОВО-ЕКОНОМІЧНОЇ БЕЗПЕКИ ПІДПРИЄМСТВ В УМОВАХ ЦИФРОВОЇ ТРАНСФОРМАЦІЇ

Today, for some enterprises of Ukraine, there is a threat to their activities associated with active hostilities on a large territory, as well as constant cyber attacks from the Russian Federation. Also, the main factor in ensuring the company's competitiveness is the digital transformation of business processes, which ensures an increase in productivity and efficiency. The use of digital technologies in business requires more and more protection to minimize future threats from information leakage through cyber-attacks or rogue employees. Increasingly, there are cases where personnel are not responsible for disclosing information that poses a threat to the financial and economic activity of the enterprise. That is why there is a need to improve the use of HP technology in management personnel as a component of the financial and economic security of enterprises in the conditions of digital transformation. The method of writing the article is the study of HP technologies in personnel management as a component of the financial and economic security of enterprises in the conditions of digital transformation. The study of HP technologies in management personnel as a component of the financial and economic security of enterprises in the conditions of digital transformation was carried out. The advantages of HP technologies in management personnel are characterized and the importance of increased protection is emphasized. External and internal threats and risks affecting the financial and economic security of the enterprise are considered. It was determined that external threats have an unregulated nature and systematically affect the company's activities. Internal ones, in their situation, are more regulated and have local influence. It is proposed to develop the mechanism of financial and economic security of the enterprise taking into account the methods and tools of personnel management based on HR technologies. It is emphasized that for modern conditions it is important to pay considerable attention to the formation of the personnel management subsystem on the basis of HR technologies as a component of the financial and economic security of the enterprise, which ensures its strengthening. It was determined to increase the protection of information systems used by management personnel to ensure the reduction of leakage of corporate and personal information, which strengthens the financial and economic security of the enterprise.

Economic prerequisites, development trends and features of the implementation of HR technologies through the prism of digital transfor-mations

Processes of accelerated digital transformations of all spheres of social life are currently the primary trend in the development of the global economy. The rate of penetration and effectiveness of the use of digital technologies in the economy at all levels is a determining factor of its competitiveness and a means of survival, especially in the conditions of modern challenges associated with active hostilities, pandemics, and forced adaptation to threats and obstacles related to it. It should be noted that digital transformation will be the driving force behind the post-war recovery of the national economy. The article aims to determine the economic prerequisites, development trends, and features of implementing HR technologies through the prism of digital transformations. It is emphasized that Digital transformation in personnel management, in most cases, is accompanied by the development of a digital platform that is maintained, a service integrator that ensures the interaction of employers with each other and with the working population, as well as with other digital platforms such as state ones: the "Actions" functionality, the digital platform interactions for business relocation assistance, the automated system "Unified State Electronic Database for Education (EDBO)", Electronic Health Record (EHR), and private: MASTER: Accounting, SMARTFIN.UA, Olyk SaaS, private 24, Liga Zakon, etc. It is substantiated that the competence approach is understood as a system of analytical assessment that allows identifying the correspondence of the potential of the personnel to the goals and priority directions of the organization's development and their results, which are evaluated by economic effects in the conditions of digital transformation. Areas of evaluation of the effects of digitized HR personnel management should cover the effectiveness of personnel work, the work of the HR service in general and its individual divisions, and the effectiveness and feasibility of the implementation of individual HR projects. Based on the calculation of these effects, it becomes possible to monitor the accurate picture of the organization's personnel management, identify the most vulnerable places, and promptly adopt the relevant managerial influences. The goals of the digital transformation of the personnel management system have been determined. The main prerequisites for implementing digital transformations in the personnel management system are outlined. It was determined that the transition of personnel management to the digital environment leads to transforming tasks, essential functions, and the management structure itself. At the same time, the framework of digital transformations, the effects of digital personnel management, and the vectors of their development, as a rule, differ about different industries and spheres of activity. Keywords: Digital technologies, HR technologies, digital transformations, HR processes.

ВПЛИВ ЦИФРОВОЇ ТРАНСФОРМАЦІЇ НА МЕХАНІЗМИ ДЕРЖАВНОГО УПРАВЛІННЯ РЕГІОНАЛЬНИМ РОЗВИТКОМ

In the article, the impact of digital transformation on the mechanisms of state governance in regional development is explored. Conducting an analysis of current trends in the use of digital technologies in public administration, the authors examine the role of e-governance, big data, automation, and other digital tools in enhancing strategies and mechanisms to promote regional development. The article specifically emphasizes decentralization and the promotion of interaction among different levels of governance as key components for the successful implementation of digital strategies in the context of regional development. The conclusions of the article underscore the necessity of adapting state governance to the challenges of the digital era and the development of open and resilient mechanisms to support regional growth in the conditions of digital transformation. The article also focuses on cultural and educational transformations in the field of public administration, highlighting the significance of training and preparing personnel to work with modern digital tools. The cultural shift and improvement of digital literacy emerge as crucial elements for the successful implementation of digital technologies in state governance. Therefore, the article systematically categorizes and analyzes the impact of digital transformation on the mechanisms of state governance in regional development, taking into account key technological and organizational transformations that define the contemporary landscape of regional governance in the era of digital development.

PUBLIC GOVERNANCE AT THE LOCAL LEVEL IN THE CONTEXT OF DIGITAL TRANSFORMATION

The relevance of the research is determined by the need to comprehend the interaction between public governance and local self-governance at the local level, especially in the context of modern challenges and technological innovations. Consideration and analysis of theoretical concepts of management can help improve the efficiency and transparency of governance processes, which is crucial for the sustainable development of society. The purpose of the research is to theoretically analyze the interaction of public governance and local governance at the local level in the conditions of digital transformation. The study of key aspects of this interaction is aimed at identifying challenges and opportunities arising in the context of digital technologies in public governance. The research also aims to analyze practical cases of digital innovations at the local level in order to determine their impact on the quality of services and management processes. The research results will help identify strategies for the successful implementation of digital tools in local governance and their contribution to the sustainable development of society.The obtained research results: based on the research findings, it can be determined that public governance at the local level is a complex process that can be considered from different approaches and perspectives. The importance of this interaction becomes especially relevant in the context of digitalization. Practical significance: the academic paper can be used for the development and improvement of the local government management system in the current conditions. Comprehension of the various aspects of this process makes it possible to develop effective strategies for implementing and using digital technologies to improve the quality of public services, interact with the community, and optimize management processes. Conclusion: the research emphasizes the importance of adapting management systems to the challenges of the digital age and the need to search for optimal solutions. Such an approach is fundamental in establishing an effective, transparent, and open system of local governance aimed at meeting citizens’ needs in a digital society.

Standardization as Way of Raising Efficiency of Power Enterprises in Conditions of Digital Transformation

Automation and digitalization in all types of activity is a growing trend of economy development today. It causes evolution of technological processes, where man still takes part. A necessary condition of the efficient functioning of enterprises is standardization, which provides a way of storing, transfer and accumulation of knowledge and continuous improvement of processes. Work in program complexes maintaining technology requires a new method of standard visualization. The article reviews methods of standardization at power enterprises and provides recommendations aimed at their introduction and use in managing the production system in conditions of digitalization. The authors studied problems of effective visualization, put forward a new type of standards in the form of video, identified benefits and drawbacks of video-standards. Apart from that, a model of digital architecture for storing and safe-keeping documents at enterprises was presented and the effect of using standards at power enterprises was demonstrated.

Modern problems of maintaining the balance between private and public interests: exercising the copyright in the conditions of digital transformation

Modern problems of maintaining the balance between private and public interests: exercising the copyright in the conditions of digital transformation

A MODEL OF TRAINING QUALIFIED PERSONNEL FOR THE REGIONAL ECONOMY IN THE CONTEXT OF DIGITAL TRANSFORMATION

In modern economic conditions, an important role is assigned to the system of training of highly qualified specialists with skills and competencies necessary for work in the conditions of digitalization, introduction of new technologies and innovations. The construction industry is developing quite rapidly, new construction materials and software are appearing, employers’ requirements to personnel are toughening and, accordingly, there is a high outflow of qualified personnel from the industry. All this requires new approaches to personnel training both for the construction industry and for the economy of the country's regions as a whole. The relevance of the research is determined by the need to resolve the contradiction between the provision of the industry with workers and mid-level specialists and high rates of construction of objects based on new technologies and materials. The orientation of the system of vocational education to the formation of graduates' skills of real production, experience in the development and implementation of projects based on modern technologies of modeling the integral life cycle of construction is in demand. The purpose of the study is to develop the author’s model of training qualified personnel for the construction industry of the regional economy in the conditions of digital transformation. The objectives of the study include: elaboration of the basis for the development of a new model of training in the construction industry in the conditions of digital transformation, analysis of the needs of partner enterprises in personnel training for compliance with the developing high-tech production and competencies of the digital economy, testing the model on the basis of the centers of OGBPOU “Novgorod Construction College” and on the basis of partner enterprises, monitoring the formation of professional competencies of students and dissemination of innovative experience. The subject of the study is the educational process of OGBPOU "Novgorod Construction College" in terms of training qualified personnel for the construction industry of the regional economy. The methodology is based on the study of regulatory and legal acts and practical experience in the development and implementation of the model of personnel training for the construction industry in the conditions of digital transformation. The main results of the implementation of this model are: the built system of support and adaptation of graduates in the workplace under the real conditions of the labor market, the development of startups in the form of subjects of the educational and production complex, increasing the competitiveness of the implemented educational programs, etc. The practical significance of the proposed model is determined by the practical significance of the proposed model. The practical significance of the proposed model is determined not only by the long-term nature of state and regional educational development programs, but also by the growing need of the region's economy in highly qualified workers. The results of the study can be fully scaled to other regions.

Modeling of the business process of workers' remuneration as an integral part of a balanced scorecard

The article is devoted to issues, related to the development of a system of remuneration for workers of a manufacturing enterprise. The enterprise is considered from the point of view of modeling business processes in accordance with the concept of a balanced scorecard (BSC). The importance of modeling the business process of workers remuneration in the context of digital transformation of the enterprise is shown. The efficiency of the entire production process largely depends on the business process of remuneration, which has a significant impact on the efficiency of the enterprise as a whole. The use of computer equipment and information technologies allows not only to form reasonable shift tasks on a daily basis and objectively take into account their implementation, but also to build a fundamentally new remuneration system. In the developed management systems in the conditions of digital transformation, it becomes possible to quickly, differentially and reliably assess the labor results of each employee and the workshop or site as a whole, ensuring economic interest in strictly performing planned shift tasks. The implementation of this method leads to increased motivation and productive, high-quality work, to economical use of material, energy and other resources.

Роль цифрової компетентності у професійному становленні майбутніх психологів

The scientific article is devoted to the issue of determining the role of digital competence in the professional development of future psychologists. It was determined that modern society is developing in conditions of digital transformation, which qualitatively changes the functioning of social institutions and people’s lives. Information technologies have become a necessary and most important element in many spheres of human activity, including professional ones. For the successful performance of work functions, a modern psychologist needs to possess basic professional competencies, among which an important place is occupied by digital competencies, by which we understand the ability of an individual to confidently and thoroughly use the means of digital technologies in such areas as professional activities and employment, leisure, which are vital for participation in daily socio-economic life. The formation of digital competence of future psychologists is possible due to the expansion of forms of education, namely the use of interactive lectures, lectures-visualizations, lectures with pre-planned errors, during which students of higher education get acquainted with the principles of using digital technologies in the professional activity of a psychologist; during practicums and performing laboratory work, researching the peculiarities of working with artificial intelligence platforms and modern digital tools for organizing joint activities with clients; familiarization with the databases of psychological research on the sites of scientific journals on psychological topics, which are indexed in the international scientometrics databases Scopus, Web of Science, Index Copernicus; thanks to the analysis of blogs, social networks, various streams of information messages, future psychologists can familiarize themselves with the features of running their own blog, and in the future create their own page, etc.

Digital transformation as a modern strategy for sustainable socio-economic development of the Arctic zone

Insufficient attention is paid to the development of digitalization in business processes in order to improve the economic efficiency of the regions of the Arctic zone. The relevance of the study is based on the “Digital transformation” national goal. The subject of the study is a set of economic indicators affecting the development of the Arctic zone under the conditions of digital transformation. The object of the study is the Arctic Zone of the Russian Federation. The purpose of the study is the authors’ disclosure of the patterns and characteristics of digital transformation affecting the change in the socio-economic sphere and the development of recommendations aimed at changing the economic growth of the Arctic zone. The most significant results of the study are the analysis and assessment of the Arctic Zone as a special economic zone, the main elements used in the digital transformation (digital technology, population migration, education, etc.), as well as the identification of problems and promising recommendations affecting the economic growth of the Arctic Zone. The novelty of scientific research consists in recommendations that will solve problems and have an impact on economic growth in the regions included in the Arctic Zone of the Russian Federation.

DIGITAL BANKING IN THE FINANCIAL SERVICES MARKET OF UKRAINE

In the modern realities of digital transformation, the banking sector faces significant challenges that lead to changes in the methods of traditional banking operations and changes in the way banks interact with clients based on the use of digital technologies. One of the key trends in this area is the development of digital banking as a promising way of banking services. The study aims to study the theoretical and practical aspects of the development of digital banking in Ukraine's financial services market under conditions of digital transformation. The results of the analysis indicated an increase in the amount of attention paid by domestic and foreign scientists to the digital banking development issue. The article examines the theoretical foundations of the implementation of digital technologies in the banking sphere. The concept of digital banking is described. The SWOT analysis determined the main advantages, opportunities, disadvantages, and possible threats associated with using digital banking. The study distinguishes between the concepts of a purely digital bank and a traditional bank that uses digital technologies in its activities. The peculiarities of the activity of digital banks of Ukraine are characterized. The number of digital banking users in the world as a whole and separately in Ukraine was analyzed. The level of development of domestic digital banking was assessed, and the number of cashless transactions using payment cards from 2019 to 2023 was analyzed. The forecast of the number of bank branches and the volume of non-cash payments using payment cards made it possible to determine that in the future the number of bank branches will decrease, and the volume of non-cash transactions will increase. The digital banks of Ukraine are characterized, and the main innovative products of the leading traditional banks are highlighted. Based on the research of the company InMind, it was concluded that the share of digital banking users is growing and the most popular transactions in digital banking among Ukrainians were singled out. An analysis of the ease of use of mobile applications of domestic digital banks was also conducted, among which the most convenient and functional applications were found to be Monobank, Sense Bank, A-Bank, and the least - Raiffeisen Bank and Oschadbank.