Digitalization in retail banking business on the example of sberbank practice

The actual challenge of the bank's management is digital transformation with the aim of getting additional profit and increasing the efficiency of the financial organization. The article focuses on the most advanced segment in this aspect - the retail banking business. We collected the data of world statistics and considered practical examples of digitalization in the retail business of Sberbank. In addition, the article outlines the main proposals for digitalization in the retail segment - we have identified four main directions of implementing digital technologies in the process of creating additional value by the bank.