Development of modern banking technologies in the conditions of digital transformation of the economy of the Russian Federation

The digital transformation of banks is one of the most important tasks of transforming the national economy in order to move the country to a leading position in all spheres of public life. The relevance of the work lies in the fact that the digitalization of banks is considered one of the key factors in the development of the digital economy and the basis of the competitiveness of financial and credit organizations in modern conditions. The article discusses the prerequisites for the introduction of digital technologies in the banking sector, analyzes the current level of digitalization of Russian banks. The novelty of this study is that it characterizes the most used digital tools in banks and provides relevant examples of their implementation, also focuses on the advantages and main problems of digitalization of the banking sector, and suggests ways to minimize the risks associated with the use of digital technologies.