The impact of the digital transformation of the economy on the financial policy of banks

The article deals with the study of the digital transformation of the global and national financial systems, and the assessment of the impact of digitalization on the financial policy of banks, both at the macro and micro levels. Highlighting the positive and negative effects of digitalization of the economy allows finding new approaches to assessing the effectiveness of the financial policy of banks. Such a situation is caused by the fact that in order to assess the effectiveness of financial policy, it is necessary to correctly determine the expected effect of its implementation. The purpose of the study is to identify the main effects of the influence of the digital transformation of the economy on the financial policy of banks. The objectives of the study are: to study the digitalization of the financial, including banking, sector of the economy; identifying trends affecting the banking sector; analysis of the dynamics of indicators characterizing the digitalization of the banking sector in the Russian economy. The subject of the study is the transformation processes in the financial system and banking policies under the influence of the economy digitalization. The authors, in the process of research, applied the following set of general scientific methods: comparative analysis of sources, synthesis of scientific knowledge, statistical methods. The result of the study is a list of the main effects of introducing digital technologies into the financial processes of banks. The authors conclude that the structure and dynamics of digital transformations in the economy, including the global financial system, directly affect the transformation of the financial policy of banks, both at the macro and micro levels, what also affects the interaction between the elements of the financial system.