Digital maturity of the banking sector in various countries: basic conditions for further development

The subject of the article is the study of both the Russian and the foreign level of digital maturity in the banking system. The analysis of the level of digital maturity of the banking sector in such countries as Russia, Spain, Turkey, and Singapore is carried out. The experience of the world's largest banks is reviewed and the key conditions for continuing digital transformation are identified both within the countries considered and in the global banking community. The assessment of the level ofpenetration of modern technologies in the countries under review is carried out, and the main activities of banks in 2021 are also reflected.