DIGITALIZATION OF FINANCIAL ANALYSIS AND MODELING SYSTEMS IN BANKING INSTITUTIONS
Abstract
The purpose of the article is to study the theoretical and methodological foundations of the digitalization of the financial analysis and modeling system in banking institutions, as well as to develop conceptual foundations for the integration of digital technologies to increase the efficiency of managerial financial decisions. The methodological basis of the study is a systematic approach to the analysis of the processes of digitalization of financial analysis in banking institutions, taking into account the principles of integrative financial analytics, digital transformation and strategic risk management. Methods of economic and mathematical modeling, comparative analysis, functional structuring, as well as elements of forecasting were used. Analytical tools for assessing the effectiveness of digital solutions in the banking environment were applied, including a multifactorial approach to the interpretation of financial indicators, which allows identifying correlations between digital innovations and the stability of the banking system. The article examines the process of digitalization of the financial analysis and modeling system in banking institutions as a key determinant of the transformation of management decisions in the financial sector in the context of increasing macroeconomic instability and increasing regulatory pressure. It is substantiated that the introduction of digital financial analytics tools associated with intelligent data processing algorithms and adaptive risk management models is a prerequisite for the formation of a new decision-making paradigm in banking. The theoretical and methodological foundations of digital financial modeling are analyzed, including virtualized analytical platforms, cloud computing technologies, and elements of cognitive analytics based on large data sets. The structural and functional parameters of the digital architectonics of banking financial analysis are determined, which ensure high variability of scenario forecasting and the relevance of assessing financial stability. The impact of digital transformation on the modification of analytical tools of banks is revealed, in particular regarding the indexation of credit risks and the validation of dynamic profitability indicators. It is proven that the synergy between digital technologies and methods of financial analytics determines the formation of a comprehensive infrastructure of risk and capital management. The conceptual principles of digital transformation of the financial analysis system in banks are determined, which contribute to their multifactor adaptation to the unstable financial environment.
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