Assessment of the Level of Digital Maturity of the Financial Institute, Depending on the Modification of the Available Banking Products and Services

The work reveals the relationship between the development of a cross-channel and digital competencies, as an opportunity to involve new knowledge in the development of information technology. The study substantiates the concept of an economic and mathematical model for assessing a cross-channel information system, which provides information on the change in the level of digital maturity of a financial institution, depending on the quantity and quality of modification of existing banking products and services. The practical use of a conceptually new model makes it possible to carry out a mass assessment of a unified cross-channel information system, depending on the analysis of the adequacy of empirical distributions of the values of potential losses when they are reduced. Another advantage of the model is not only the accuracy of the results obtained, but also their interpretability in order to understand the key drivers of the development of certain competencies on the scale of the credit and financial sector of the Russian Federation, which are in demand in modern conditions of digitalization.