Methodological approaches to assessing the digital maturity of the ecosystem of online services of financial institutions using artificial intelligence tools

Abstract

Abstract. The relevance of the study is determined by the transition of organizations from fragmented digitalization of individual processes to the formation of integrated ecosystems of online services, the management of which requires a systematic diagnosis of the level of digital development. The purpose of the article is to substantiate and develop methodological approaches to assessing the digital maturity of the ecosystem of online services of financial institutions using artificial intelligence tools. Methods. The research is based on systemic, structural, and comparative approaches, as well as methods of generalizing scientific concepts of digital transformation, digital maturity, and ecosystem management. To form an integral assessment of digital maturity, a method of weighted aggregation of indicators is applied, while artificial intelligence tools are considered in the context of automation of analytical procedures and support of managerial decision-making. The research results include the development of a structural approach to assessing the digital maturity of the ecosystem of online services of financial institutions, which covers technological, analytical, organizational-managerial, customer-oriented, and ecosystem components. An integral index of digital maturity of the online services ecosystem and a level-based classification of its development are proposed. The role of artificial intelligence tools in automating assessment procedures, data analysis, pattern identification, and predictive evaluation is substantiated. Conclusions. The proposed methodological approach ensures a comprehensive assessment of the digital maturity of the ecosystem of online services of financial institutions and can be used as a tool for managerial diagnostics, strategic planning, and increasing competitiveness under conditions of digital transformation and uncertainty.