employee
employee
The article examines the features of the digital transformation of the banking industry in some countries of the world and Russia. The Russian banking industry actively uses digital technologies in customer service and has a high level of digital maturity. However, the level of digitalization in the Russian banking system is still very heterogeneous. Moreover, newcomers (financial technology companies and digital banks) are emerging that are in real competition with classic banks, and may even displace them if the latter lag behind in innovative development. It describes the features of digital banking in 2024 and the Central Bank's activities in the field of financial technology development and digitalization of the financial market, which stimulated the digital transformation of the Russian banking sector.
digitalization, digital banking, payment system, digital bank payments, mobile banking
1. Grand View Research.2024
2. The Economic Potential of Generative AI: The next productivity frontier. McKinsey. 2023.
3. 2 Biometrics checkout US pilot. JP Morgan. 2023
4. Vasil'ev I.I. Zarubezhnyy opyt ispol'zovaniya finansovyh tehnologiy. // Mirovaya ekonomika. 2023.№9.
5. Skinner K.— «Mann, Ivanov i Ferber (MIF)»Cifrovoy bank. Kak sozdat' cifrovoy bank ili stat' im // - 2013
6. Kvantovye tehnologii v RF v 2024 godu: put' k novym otkrytiyam. https://indpages.ru/prom/kvantoviye-tyehnologeeee-v-2024/
7. Kvantovye vychisleniya: perspektivy dlya biznesa. Sberbank, VNIIA im. N.L. Duhova i Institut iskusstvennogo intellekta AIRI. 2023.
8. Konyagina M. N. Cifrovaya ekonomika : uchebnik i praktikum dlya srednego professional'nogo obrazovaniya / otvetstvennyy redaktor. — 2-e izd. — Moskva : Izdatel'stvo Yurayt, 2025. — 240 s. — (Professional'noe obrazovanie). — ISBN 978-5-534-21492-5. — Tekst : elektronnyy // Obrazovatel'naya platforma Yurayt [sayt]. — URL: https://urait.ru/bcode/573693
9. ESG-finansy v Rossii 2025: Kak zelenye kredity i obligacii stali mirovoy normoy. https://dzen.ru/a/Z5yAwKgvgnTxdTHm
10. Oficial'nyy sayt CB RF: https://cbr.ru/PSystem/sfp/
11. Sovremennye bankovskie tehnologii: informacionnye i innovacionnye: https://www.sravni.ru/enciklopediya/info/bankovskie-tekhnologii/
12. Sistema bystryh platezhey v 2025-m: https://www.banki.ru/news/daytheme/?id=10978070
13. Cifrovoy rubl': https://gazprombank.investments/blog/economics/digital-ruble/
14. Cifrovaya zrelost' roznichnyh bankov-2024. // Ezhegodnoe issledovanie agentstva cifrovogo audita SDI360. https://sdi360.ru/banks_24_success
15. Indiya priznala Al'fa-Bank tehnologicheskim liderom mirovogo urovnya https://alfabank.ru/news/t/release/indiya-priznala-alfa-bank-tekhnologicheskim-liderom-mirovogo-urovnya/?ysclid=m9hi2gi25995746870
16. V Kitae rossiyskiy bank priznali samym innovacionnymm https://www.gazeta.ru/business/news/2024/12/12/24610292.shtml
17. Osnovnye napravleniya razvitiya finansovyh tehnologiy na period 2025–2027 godov. https://cbr.ru/Content/Document/File/166399/onfintech_2025-27.pdf
18. Mustafazade H. K. Vozmozhnye riski cifrovogo bankinga…//Aktual'nye voprosy sovremennoy ekonomiki. 2022.- №12. S.285-290
