Methods for assessing digital maturity in banking during digital transformation

The article discusses methods for assessing digital maturity in the banking sector. This digital transformation implying the need for prioritisation and timely assessment of the effectiveness of implemented initiatives. The research analyses existing maturity models such as MIT CISR, Gartner, Digital Quotient from McKinsey and Digital Acceleration Index from BCG, KPMG. The author dwells on the models main advantages and limitations in terms of application in CIS banks with significant restrictions in access to the talent market, a large amount of legacy IT systems, and significant inertia the scale of the organisation. The research presents the author's methodology adapted to the needs of banking institutions in the CIS region. This methodology covers a comprehensive assessment of key areas, including the maturity of IT and DevOps processes, the effectiveness of Agile methodologies, HR indicators such as staff turnover and the speed of adaptation of new employees, business metrics, including indicators of commercial efficiency, customer experience, and internal operational efficiency. The proposed approach includes both quantitative and qualitative assessment methods. Quantitative methods are based on data from internal banking systems such as project management systems, HR systems, automated dashboards from various IT systems of the bank, etc. Qualitative methods include expert assessments, anonymous employee surveys, and industrial benchmarking of competitors. The article describes the stages of implementing the methodology, starting from planning and data collection to calibrating the results and using them to form a transformational roadmap. The application of the methodology in a number of CIS banks over the past 5 years has demonstrated its effectiveness in increasing transparency in managing digital initiatives and accelerating the achievement of strategic goals. The results of the study emphasise the importance of a systematic approach to managing digital maturity and adapting global models to the specifics of the local market.