Future Today-the most flexible will survive

Russia has a very competitive digital banking market — customers easily switch from one Bank to another. It is difficult to find so many banks in the EU countries. In addition, banking in Russia is quite young and responds more easily to changes. Therefore, many players in the "digital equipment" can give a head start to their foreign colleagues. Further, Russia is the largest Internet market in Europe: more than 70% of the population uses the Internet, and most of the customers have appreciated the advantages of digital channels: Internet banking and mobile banking.

In order to compete in the digital economy, you need to have the appropriate number of competencies, flexibility and efficiency are important, you need to competently manage project portfolios and analyze large amounts of data in order to be able to make objective decisions 24 hours a day. Therefore, in such a digital economy, it will be difficult for a person to find a place for themselves - not only the financial sector will change, but also the industry, services and products that can have a digital appearance.

Digital transformation comes with risks. The issues of economic security of a credit institution are very acute. The relevance is due to the fact that in the conditions of transition to a digital economy, digital banking is one of the main elements of ensuring the economic security of the financial sector. In other words, improving the level of economic security of a credit institution is a priority task in the context of the transition to the digital economy.