Perspective technologies for automation and optimization of operations in Russian financial institutions

in the era of digitalization, Russian financial institutions are facing the need to rethink traditional approaches to operations management. To maintain competitive advantages and improve efficiency, increasing attention is being paid to the introduction of automation technologies. Tools such as artificial intelligence, blockchain and big data analytics create conditions for transformation of key processes, which is especially relevant in the context of growing transaction volumes and increasing customer demands. The aim of the article was to study modern technologies with high potential for improving the performance of Russian financial organizations. Methods: the paper uses the methods of system analysis and comparative approach. Special attention is paid to the study of successful cases of technology use in foreign and domestic financial organizations. Findings: The findings of the study indicate that the adoption of innovative solutions such as VR/AR, blockchain, artificial intelligence, and ecosystems are opening new horizons of growth for financial organizations. Virtual and augmented reality technologies turn customer interactions into an engaging and efficient process while optimizing internal operations. Blockchain creates a secure and transparent infrastructure for asset and data management, minimizing costs. Artificial intelligence can not only speed up operational processes, but also make them more flexible and accurate, personalizing services for each customer. Ecosystems integrate a variety of services into a single platform, forming a convenient and comprehensive environment for users. The synergy of these technologies contributes not only to the growth of operational efficiency, but also to the creation of long-term competitive advantages. Conclusions. The main conclusions of the paper emphasize that the introduction of automation technologies can significantly reduce operational costs and improve the accuracy of data processing. For example, the use of artificial intelligence for risk analysis and application processing reduces the time and financial costs of routine operations. At the same time, the use of blockchain technology improves the transparency and security of transactions, which is becoming critical in the face of growing cyber threats.

VR/AR, blockchain, artificial intelligence, ecosystems, digitalization, banking, automation, service personalization, risk management, cost effectiveness