DIGITALIZATION AS A FACTOR IN THE FINANCIAL VIABILITY OF COMMERCIAL BANKS: OVERVIEW OF CURRENT TRENDS
DOI:
https://doi.org/10.25806/uu-5515Статья поступила в редакцию: 17.08.2025
Статья принята к публикации: 26.09.2025
Статья опубликована: 30.09.2025
Keywords:
digitalization, financial sustainability, commercial banks, artificial intelligence, risk management.Abstract
In the context of the increasing volatility of financial markets and increased competitive pressure on the part of fintech companies, issues of ensuring the financial stability of commercial banks become critical.
The article is devoted to a comprehensive study of the impact of digitalization on the financial stability of commercial banks in modern economic conditions. The work analyzed key aspects of the digital transformation of the banking sector, including theoretical foundations, practical implementations and emerging challenges.
The main focus is on the study of the relationship between the introduction of digital technologies and the financial stability indicators of credit institutions. The article details the impact of artificial intelligence, big data, blockchain technologies and cloud solutions on the operational efficiency of banks, asset quality and profitability. The analysis demonstrates that process automation helps reduce operating costs by 15-20%, while the introduction of predictive analytics helps reduce the share of overdue loans.
Special emphasis is placed on the practical aspects of digital transformation. A case study of a leading Russian bank (PJSC Sberbank) illustrates successful practices of implementing digital solutions and their impact on financial performance.
The article also raises current challenges related to digital transformation, including cyber risks, the need for import substitution and adaptation to regulatory requirements.
The study allows us to conclude that digitalization has become a critical factor in ensuring the financial viability of commercial banks. Successful digital transformation requires a comprehensive approach that combines technological innovation with effective risk management and strategic planning.
Информация о публикации
Финансирование: Исследование выполнено без привлечения внешнего финансирования, если иное не указано авторами.
Вклад авторов: Все авторы внесли существенный вклад в подготовку статьи, ознакомились с окончательной версией рукописи и одобрили ее к публикации.
Конфликт интересов: Авторы заявляют об отсутствии конфликта интересов, если иное не указано в публикации.
Правообладатель: Издательский дом «Академический».
Лицензия: Статья распространяется на условиях лицензии Creative Commons Attribution 4.0 International (CC BY 4.0).
Машиночитаемый файл метаданных: JATS XML
References
Горегляд В.П. Развитие финансовых технологий и дигитализация финансового рынка: вызовы и перспективы // Государственная служба. 2018. № 1 (111). С. 44-47.
Решетов К.Ю., Лосев М.В. Цифровизация в банковской сфере // Вестник НИБ. 2021. № 43. С. 28-35.
Халин В.Г., Чернова Г.В. Цифровизация и киберриски // Управленческое консультирование. 2023. № 7 (175). С. 28-41.
Финансовые показатели Сбербанка. [Электронный ресурс]. URL: https://www.tadviser.ru/index.php/ (дата обращения: 21.08.2025).
Ajupov A.A., Kurilova A.A., Ivanov D.U. Hedging as an important component of the financial mechanism of enterprise management in the automotive cycles // Mediterranean Journal of Social Sciences. 2015. V. 6. № 1 S3. P. 45-49.
Ajupov A.A. Risk-engineering, as an element of financial engineering in the market of innovative financial products // World Applied Sciences Journal. 2013. V. 27. № 13. P. 5-9.
