The process of integrating digital technologies into financial organizations: key methodologies and organizational solutions methodologies and organizational solutions

The article offers a detailed analysis of the restructuring of the Russian financial sector against the backdrop of digitalization. It reviews the key regulations driving this process and emphasizes the role of the Central Bank in the development of Regtech and Suptech. The author focuses on digital financial assets and analyzes the introduction of AI, Big Data, cloud technologies, fast payment systems, neobanks and CRM systems. It describes how these innovations are affecting the operations of leading Russian financial institutions, including Sberbank, T-Bank, Bank Saint Petersburg, Rosselkhozbank and VTB. The article pays special attention to the benefits and challenges associated with the integration of digital technologies. It discusses new opportunities for personalizing customer service and increasing the efficiency of operations through the use of data and advanced analytical tools. It shows how the use of artificial intelligence and big data is helping banks to optimize decision-making and risk management processes. The role of cloud technology in making banking operations flexible and scalable is also discussed. The author of the article makes a significant contribution to the understanding of digital transformation in the financial sector by highlighting the risks and prospects of digital technologies in the financial sector, and provides an algorithm for integrating digital technologies into their operations. The article will be useful for finance professionals, bankers, analysts, as well as students and researchers interested in digital transformation in the banking industry.