Viadrova N. Formation of financial strategy as a direction of increasing the bank's competitiveness

The dissertation is devoted to the study of theoretical substantiation, development of methodological approaches and practical recommendations aimed at improving the effectiveness of financial strategy to ensure the necessary prerequisites for the development of the bank in the face of increased competition in the financial services market. The dissertation offers new scientific views on the economic content of the innovation ecosystem, which is proposed to be defined as a set of relations that arise between its participants in the development and implementation of new banking technologies and creating innovative banking products to improve financial services and competitiveness, bank in the context of business digitalization. Understanding this category allows to deepen the scientific and pragmatic basis for determining the directions of intensification of financial intermediation development on the basis of creating a single integrated channel of clients' access to financial services in the form of a digital financial supermarket. The author substantiates the scientific and theoretical principles of financial strategy formation by creating an algorithm for forming the bank's financial strategy, which, in contrast to the existing ones, involves the implementation of the following stages: 1) identification of current trends in the financial services market; 2) assessment of the bank's competitiveness; 3) conducting a comparative assessment of the financial stability of banks and the banking system as a whole; 4) assessment of the impact of external and internal environmental factors on the actual values of mandatory economic standards of capital, liquidity, credit risk and investment.