Factors influencing the digitalization of banking activities and their features

Digitalization of banking activity is a modern trend in the development of credit institutions. Russian banks are actively involved in this process, which is confirmed by the high positions of the country's banking sector in national and international ratings. The article analyzes the features of the influence of external and internal factors on the process of digitalization of banking activities. On the basis of the conducted analysis, the parameters important for the digitalization of the bank's activities are determined for each of the external factors of direct and indirect impact, and an expert assessment of the degree of importance of each parameter for the bank's activities is given. For internal factors, an expert assessment of the degree of dependence of the factor on the process of digitalization of the bank's activities is proposed. It is concluded that it is necessary to consider external and internal factors when developing a strategy to increase the efficiency of digitalization in the bank's activities.