title: Ð¦Ð¸ÑÑÐ¾Ð²ÑÐµ ÑÐµÑ Ð½Ð¾Ð»Ð¾Ð³Ð¸Ð¸ Ð² ÑÐ¸Ð½Ð°Ð½ÑÐ°Ñ Ð¸ Ð¸Ñ Ð²Ð½ÐµÐ´ÑÐµÐ½ÑÐµÑÐºÐ¸Ð¹ ÑÐ¸ÑÐº (Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ "Ð¡Ð±ÐµÑÐ±Ð°Ð½Ðº")
title: Ð²ÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð±Ð°ÐºÐ°Ð»Ð°Ð²ÑÐ°
titleType: Subtitle
title: Digital technologies in finance and their implementation risk (on the example of PJSC âSberbankâ)
Creators: name: ÐÐ°Ð»Ð°Ð½Ð¸Ð½Ð°, ÐÐ¾Ð½Ð½Ð°
Publisher: name: Ð¡Ð°Ð½ÐºÑ-ÐÐµÑÐµÑÐ±ÑÑÐ³ÑÐºÐ¸Ð¹ Ð¿Ð¾Ð»Ð¸ÑÐµÑÐ½Ð¸ÑÐµÑÐºÐ¸Ð¹ ÑÐ½Ð¸Ð²ÐµÑÑÐ¸ÑÐµÑ ÐÐµÑÑÐ° ÐÐµÐ»Ð¸ÐºÐ¾Ð³Ð¾
Year: 2020
Subjects: ÑÐ¸ÑÑÐ¾Ð²ÑÐµ ÑÐµÑ Ð½Ð¾Ð»Ð¾Ð³Ð¸Ð¸
ÑÐ¸Ð½ÑÐµÑ
Ð²Ð½ÐµÐ´ÑÐµÐ½ÑÐµÑÐºÐ¸Ð¹ ÑÐ¸ÑÐº
Ð¾ÑÐµÐ½ÐºÐ° ÑÐ¸ÑÐºÐ°
Ð¼ÐµÑÐ¾Ð´ ÑÐºÑÐ¿ÐµÑÑÐ½ÑÑ Ð¾ÑÐµÐ½Ð¾Ðº
Ð¼ÐµÑÐ¾Ð´ Ð´ÐµÑÐµÐ²Ð° ÑÐµÑÐµÐ½Ð¸Ð¹
digital technologies
fintech
implementation risk
risk assessment
method of experts evaluation
method of tree of decisions

description: Ð¢ÐµÐ¼Ð° Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ: Â«Ð¦Ð¸ÑÑÐ¾Ð²ÑÐµ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¸ Ð² ÑÐ¸Ð½Ð°Ð½ÑÐ°Ñ Ð¸ Ð¸Ñ Ð²Ð½ÐµÐ´ÑÐµÐ½ÑÐµÑÐºÐ¸Ð¹ ÑÐ¸ÑÐº (Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ Â«Ð¡Ð±ÐµÑÐ±Ð°Ð½Ðº Ð Ð¾ÑÑÐ¸Ð¸Â»)Â». 
ÐÐ°Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð¿Ð¾ÑÐ²ÑÑÐµÐ½Ð° Ð¾ÑÐµÐ½ÐºÐµ ÑÐ¸ÑÐºÐ¾Ð² Ð²Ð½ÐµÐ´ÑÐµÐ½Ð¸Ñ ÑÐ¸ÑÑÐ¾Ð²Ð¾Ð¹ ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²Ð¾Ð¹ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¸. ÐÐ°Ð´Ð°ÑÐ¸, ÐºÐ¾ÑÐ¾ÑÑÐµ ÑÐµÑÐ°Ð»Ð¸ÑÑ Ð² ÑÐ¾Ð´Ðµ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ: 
- Ð¸Ð·ÑÑÐµÐ½Ð¸Ðµ Ð²Ð¾Ð¿ÑÐ¾ÑÐ¾Ð² Ð¸ÑÑÐ¾ÑÐ¸Ð¸ Ð¸ Ð¿ÑÐ¸ÑÐ¸Ð½ Ð¿Ð¾ÑÐ²Ð»ÐµÐ½Ð¸Ñ ÑÐ¸ÑÑÐ¾Ð²ÑÑ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¹ Ð¸ Ð¸Ñ Ð²Ð½ÐµÐ´ÑÐµÐ½Ð¸Ñ Ð² ÑÑÐµÑÑ ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð², Ð° ÑÐ°ÐºÐ¶Ðµ Ð¾ÑÐµÐ½ÐºÐ° Ð°ÐºÑÑÐ°Ð»ÑÐ½Ð¾ÑÑÐ¸ Ð²Ð¾Ð¿ÑÐ¾ÑÐ° Ð¿ÑÐ¸Ð¼ÐµÐ½ÐµÐ½Ð¸Ñ ÑÐ¸ÑÑÐ¾Ð²ÑÑ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¹; 
- Ð¾Ð¿ÑÐµÐ´ÐµÐ»ÐµÐ½Ð¸Ðµ Ð½Ð°Ð¸Ð±Ð¾Ð»ÐµÐµ Ð¿ÐµÑÑÐ¿ÐµÐºÑÐ¸Ð²Ð½ÑÑ Ð½Ð°Ð¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ð¹ ÑÐ¸Ð½ÑÐµÑÐ° Ð¸ Ð¸Ñ Ð¾ÑÐ½Ð¾Ð²Ð½ÑÑ Ð¾ÑÐ¾Ð±ÐµÐ½Ð½Ð¾ÑÑÐµÐ¹; 
- Ð¾ÑÐµÐ½ÐºÐ° ÑÐ¾Ð²ÑÐµÐ¼ÐµÐ½Ð½Ð¾Ð³Ð¾ ÑÐ¾ÑÑÐ¾ÑÐ½Ð¸Ñ ÑÐ¸ÑÑÐ¾Ð²ÑÑ ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²ÑÑ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¹; 
- Ð¾ÑÐµÐ½ÐºÐ° Ð¼ÐµÑÑÐ° Ð²Ð½ÐµÐ´ÑÐµÐ½ÑÐµÑÐºÐ¾Ð³Ð¾ ÑÐ¸ÑÐºÐ° Ð² ÑÐ¸ÑÑÐµÐ¼Ðµ ÑÐºÐ¾Ð½Ð¾Ð¼Ð¸ÑÐµÑÐºÐ¸Ñ ÑÐ¸ÑÐºÐ¾Ð² Ð¸ ÐµÐ³Ð¾ ÑÐ°ÐºÑÐ¾ÑÑ; 
- ÑÐ°ÑÐ°ÐºÑÐµÑÐ¸ÑÑÐ¸ÐºÐ° ÑÐ¾Ð²ÑÐµÐ¼ÐµÐ½Ð½ÑÑ Ð¼ÐµÑÐ¾Ð´Ð¾Ð², Ð¿ÑÐ¸Ð¼ÐµÐ½ÑÐµÐ¼ÑÑ Ð´Ð»Ñ Ð¾ÑÐµÐ½ÐºÐ¸ ÑÐ¸ÑÐºÐ¾Ð² Ð²Ð½ÐµÐ´ÑÐµÐ½Ð¸Ñ; 
- Ð¾ÑÐµÐ½ÐºÐ° ÑÐ¸ÑÐºÐ¾Ð² Ð²Ð½ÐµÐ´ÑÐµÐ½Ð¸Ñ Ð½Ð¾Ð²Ð¾Ð¹ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¸ Ð´Ð²ÑÐ¼Ñ Ð¼ÐµÑÐ¾Ð´Ð°Ð¼Ð¸, Ð¿ÑÐµÐ´Ð²Ð°ÑÐ¸ÑÐµÐ»ÑÐ½Ð¾ Ð¾Ð±Ð¾ÑÐ½Ð¾Ð²Ð°Ð² Ð¸Ñ Ð²ÑÐ±Ð¾Ñ, Ð° ÑÐ°ÐºÐ¶Ðµ Ð¿ÑÐ¸Ð²ÐµÑÑÐ¸ ÑÐ¿Ð¸ÑÐ¾Ðº ÑÐµÐºÐ¾Ð¼ÐµÐ½Ð´Ð°ÑÐµÐ»ÑÐ½ÑÑ Ð¼ÐµÑ Ð¿Ð¾ ÑÐ¼ÐµÐ½ÑÑÐµÐ½Ð¸Ñ ÑÑÐ¾Ð²Ð½Ñ ÑÐ¸ÑÐºÐ°. 
Ð ÑÐ¾Ð´Ðµ ÑÐ°Ð±Ð¾ÑÑ Ð±ÑÐ»Ð° Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½Ð° Ð¾ÑÐµÐ½ÐºÐ° Ð²Ð½ÐµÐ´ÑÐµÐ½ÑÐµÑÐºÐ¾Ð³Ð¾ ÑÐ¸ÑÐºÐ°, Ð²ÑÐ¿Ð¾Ð»Ð½ÐµÐ½Ð½Ð°Ñ Ð´Ð²ÑÐ¼Ñ Ð¼ÐµÑÐ¾Ð´Ð°Ð¼Ð¸: Ð°Ð½Ð°Ð»Ð¸ÑÐ¸ÑÐµÑÐºÐ¸Ð¼ Ð¼ÐµÑÐ¾Ð´Ð¾Ð¼ ÑÐºÑÐ¿ÐµÑÑÐ½ÑÑ Ð¾ÑÐµÐ½Ð¾Ðº Ð¸ ÑÑÐ°ÑÐ¸ÑÑÐ¸ÑÐµÑÐºÐ¸Ð¼ Ð¼ÐµÑÐ¾Ð´Ð¾Ð¼ Ð´ÐµÑÐµÐ²Ð° ÑÐµÑÐµÐ½Ð¸Ð¹. 
Ð ÑÐµÐ·ÑÐ»ÑÑÐ°ÑÐµ Ð±ÑÐ»Ð¸ Ð²ÑÑÐ²Ð»ÐµÐ½Ñ Ð½Ð°Ð¸Ð±Ð¾Ð»ÐµÐµ Ð·Ð½Ð°ÑÐ¸Ð¼ÑÐµ Ñ ÑÐ¾ÑÐºÐ¸ Ð·ÑÐµÐ½Ð¸Ñ ÑÐºÑÐ¿ÐµÑÑÐ½Ð¾Ð¹ Ð³ÑÑÐ¿Ð¿Ñ ÑÐ¸ÑÐºÐ¸ Ð² ÑÐ°Ð¼ÐºÐ°Ñ Ð¼ÐµÑÐ¾Ð´Ð° ÑÐºÑÐ¿ÐµÑÑÐ½ÑÑ Ð¾ÑÐµÐ½Ð¾Ðº, Ð° ÑÐ°ÐºÐ¶Ðµ Ð¿ÑÐ¾Ð¸Ð·Ð²ÐµÐ´ÐµÐ½ ÑÐ°ÑÑÐµÑ Ð¾Ð¶Ð¸Ð´Ð°ÐµÐ¼Ð¾Ð¹ ÑÑÐ¾Ð¸Ð¼Ð¾ÑÑÐ½Ð¾Ð¹ Ð¾ÑÐµÐ½ÐºÐ¸ Ð½Ð°Ð¸Ð»ÑÑÑÐµÐ³Ð¾ Ð²Ð°ÑÐ¸Ð°Ð½ÑÐ° ÑÐ°Ð·Ð²Ð¸ÑÐ¸Ñ ÑÐ¾Ð±ÑÑÐ¸Ð¹ Ñ Ð¿ÑÐ¸Ð¼ÐµÐ½ÐµÐ½Ð¸ÐµÐ¼ Ð¼ÐµÑÐ¾Ð´Ð° Ð´ÐµÑÐµÐ²Ð° ÑÐµÑÐµÐ½Ð¸Ð¹.
description: The subject of the graduate qualification work: âDigital technologies in finance and their implementation risk (on the example of Sberbank of Russia PJSC)â. This work is devoted to risk assessment of the implementation of a digital financial technology. Tasks that were solved during the study: - studying the history and reasons for the emergence of digital technologies and their implementation in the field of finance, as well as an assessment of the relevance of the use of digital technologies; - definition of the most promising areas of fintech and their main features; - assessment of the current state of digital financial technologies; - assessment of the place of implementation risk in the system of economic risks and its factors; - description of modern methods used to assess implementation risks; - assessment of the risks of introducing a new technology by two methods, having previously substantiated their choice, and also provide a list of recommended measures to reduce the risk level. In the course of the work, an implementation risk assessment was carried out, performed by two methods: the analytical method of expert assessments and the statistical method of the decision tree. As a result, the most significant risks from the point of view of the expert group were identified within the framework of the method of expert assessments, and the expected cost estimate of the best option for the development of events using the decision tree method was calculated.