Mechanism for managing innovative development of banks in the conditions of digital transformation

Анотація

The article examines the theoretical, methodological and applied foundations for forming a mechanism for managing the innovative development of banks under conditions of digital transformation. It is substantiated that the active implementation of digital technologies changes the nature of banking activity and strengthens the role of customer-oriented services, business process automation, data analytics, fintech solutions and digital platforms. The study determines that effective management of banks’ innovative development requires a systematic combination of strategic goals, principles, functions, methods, tools and organizational support. The research applies methods of theoretical generalization, analysis and synthesis, a systems approach, comparative analysis and the graphical method. The main factors influencing the innovative development of banking institutions are identified, including the digitalization of financial services, changes in customer behavior, competition from fintech companies, the need to improve operational efficiency and cybersecurity. A conceptual approach to forming a mechanism for managing banks’ innovative development is proposed, focused on integrating digital technologies into strategic and operational management. It is proved that the implementation of such a mechanism will help increase banks’ innovation potential, improve resource use, expand the range of digital financial products and strengthen the competitive positions of banking institutions in the financial market. Further research should focus on developing practical tools for assessing the effectiveness of digital innovations in banking activities.

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