UDC 004.021
METHODOLOGY FOR ASSESSING THE IMPACT OF DIGITAL TRANSFORMATION ON BANK ORGANIZATIONAL ACTIVITIES
D. G. Rodionov, Dr. in economic sciences, full professor, Director of GSET, SPbPU, St. Petersburg, Russia;
orcid.org/0000-0002-1254-0464, e-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.
E. A. Konnikov, PhD (in economics), assistant professor of GSET, SPbPU, St. Petersburg, Russia;
orcid.org/0000-0002-4685-8569, e-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.
T. V. Tenishev, student, GSET, SPbPU, St. Petersburg, Russia;
e-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.
At the moment, the digitalization process has become ubiquitous at all levels of management decisionmaking. The consequence of this process is the transformation of both information consumption process and business processes of enterprises in all sectors of the economy. One of the most sensitive to this transformation is a banking sector due to information specifics of the services provided. Thus, the efficiency and competitiveness of a modern banking organization is largely determined by the efficiency of digitalization process. The aim of this work is to analyze the impact of digital transformation indicators on technical and economic indicators of banking enterprises. As part of this study, a regression analysis was carried out, the result of which is mathematical formalization of the impact of identified and quantified indicators of digital transformation on net profit of key representatives of banking sector. Also, a significant scientific result is a quantification algorithm for the analyzed indicators of digital transformation, described in this article. The results obtained allowed us to identify the most significant indicators of digital transformation and formulate generalized recommendations for banking enterprises, which would potentially increase their competitiveness in the context of widespread digitalization.
Key words: digitalization, bank, banking sector, net profit, tonality, financial technologies, fintech.