Financial and credit methods of innovation management in banking

Анотація

Introduction. The article is dedicated to the study of the impact of digital technologies on banking, specifically the introduction of financial innovations. Recent changes in the economy and financial sector are encouraging banks to adopt new technologies, significantly influencing their competitiveness and operational efficiency. The article analyzes key aspects of digitization and innovative development of banking infrastructure in the context of globalization and the intensification of financial services. Objective. The objective of the study is to develop theoretical and methodological foundations for organizing banking activities based on banking innovations in the digital economy, as well as to identify prospects for creating innovative banking infrastructure. Research Methods. A comprehensive set of methods was used for the study: analysis and synthesis of scientific sources, systematization and generalization of information, comparative analysis of innovative banking technologies, and modeling methods to assess the impact of digitization on banking activities. Results. The article identifies the role of banking innovations as an important intangible asset of credit institutions and examines the prospects for developing cross-channel information infrastructure that integrates digital resources into a unified banking services system. It is shown that the introduction of advanced banking technologies enhances banks' competitiveness and adaptability to the new conditions of the digital economy. The main challenges and risks associated with the digitization of banking activities are outlined, and ways to mitigate these risks are proposed.

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