DEVELOPMENT OF TOOLS FOR ASSESSING THE COMPETITIVENESS OF BANKS IN THE CONTEXT OF DIGITAL TRANSFORMATIONS

Abstract

The author’s definitions of the concepts «digital transformation of the bank», «digitalization of business relationships in the economy», «competitiveness of the bank during the digitalization of business relationships in the economy» are formulated in the article. The preferences of customers in relation to banking services are investigated. The author’s methodological approach to assessing the competitiveness of commercial banks in the period of digitalization is proposed. The author’s approach is based on the methodology of A.O. Lobunts and E.P. Ternovskaya. The advantages of the author’s methodological approach are simplicity of application and sociological selection of indicators. The result of the method allowed us to form a rating of 36 selected banks. Studying the rating will allow the client to choose a bank for himself in the conditions of digitalization of the economy. The authors named internal (non-market) barriers that prevent the bank from being competitive in the digital economy of Russia.