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FINANCIAL INSTITUTIONS AND METHODS OF RISK MANAGEMENT IN THE CONTEXT OF DIGITALIZATION OF THE ECONOMY

The author considers risk management measures in the context of digitalization of the activities of financial institutions. In the activities of financial institutions, the onset of the digital economy era is most clearly manifested. In recent years, the influence of the digital economy and technologies on banks and other financial institutions has been increasing. At the same time, the more financial institutions depend on digital technologies, the more interconnected they are and the more vulnerable they are to the impact of digitalization threats. In this connection, reducing risks in the work of financial institutions and increasing adaptability to digital transformation explains the urgency of finding ways to improve methods of influencing risks in the conditions of digitalization of the economy. The purpose of the article is to study financial institutions and methods of influencing risks in the conditions of digitalization of the economy. The leading methods of studying the problem of the article include the analysis of theoretical sources, the analysis of statistical indicators, and comparison. The article reviewed publications on the problems of risk management in the conditions of digitalization of the economy, analyzed the development of digitalization in the banks of the Russian Federation, analyzed the threats of digitalization. The analysis of statistical indicators plays an important role in the study, since data on the financial sector can be obtained from statistical databases. The study of statistical indicators covers the period 2019-2020 and is based on the analysis of data from the Central Bank of the Russian Federation. The risks of digitalization in the banking sector were assessed. It is concluded that the measures taken to manage risks were not fully effective, since it was not possible to reduce the level of cybercrime in the financial sector.