Synthesis of a strategic management model for digital transformation of banking activities | Vestnik Tomskogo gosudarstvennogo universiteta. Ekonomika – Tomsk State University Journal of Economics. 2025. № 71. DOI: 10.17223/19988648/71/12

Synthesis of a strategic management model for digital transformation of banking activities

In the context of the accelerating digital transformation of the banking sector, driven by shifting customer preferences, technological innovations, and sustainable development strategy, it is becoming necessary to build a strategic management model capable of ensuring systemic coordination at all levels of the financial architecture. The article proposes a synthesis of a strategic management model for the digital transformation of banking, based on the integration of four key strategic approaches: customer-centricity, operational efficiency, an innovation-oriented paradigm, and ecosystem integration. The necessity of establishing a multi-level hierarchical system of interaction between the Central Bank, commercial and regional credit institutions, and regional governing bodies is substantiated. An original conceptual model is presented, designed to institutionalize digital transformation within the banking system of the Russian Federation. The authors declare no conflicts of interests.

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Keywords

digital transformation, strategic management, customer-centricity, ecosystem, bank, Central Bank, regional development, innovation

Authors

Name	Organization	E-mail
Kozhevnikova Galina V.	Irkutsk State Transport University	Goddess23.ru@mail.ru
Solskaya Irina Yu.	Irkutsk State Transport University	irina_solskaya_@mail.ru

Всего: 2

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