Improving the Reproducibility of the Information and Digital Infrastructure in Ensuring the Economic Security of Commercial Banks

The article proposes the development of scientific ideas about the role of the reproducibility of the information and digital infrastructure in ensuring the economic security of commercial banks, directions and tools for improving reproducibility in the interests of strengthening the resource efficiency of banks. The concept of resource efficiency of commercial banks includes the value, rarity, irreplaceability and imperfect reproducibility of resources necessary to ensure sustainable banking activities and the steady achievement of strategic and tactical development goals and objectives. The study is based on the key provisions of the neo-institutional approach and the methods of resource theory. The need to modernize the banking information and digital infrastructure to increase resilience to external influences, as well as the most complete compliance with the needs and trends of digital transformation is substantiated, the difficulties of ensuring the reproducibility of the infrastructure under the influence of the sanctions factor are especially highlighted. The results of an expert assessment of the resource efficiency indicators of the information and digital infrastructure of the largest Russian banks (TOP 10 by net assets) as of the end of 2021 and 2022 are presented. To solve the problems of reproducibility of the information and digital infrastructure in ensuring the economic security of banking institutions, it is recommended to conduct a structural and dynamic analysis of transaction costs and a matrix-dynamic analysis of the resource efficiency of a commercial bank. The importance of optimizing the processes of use and forming sustainable reproducibility of the relevant infrastructure through strategic planning and investment and financial support for the localization of research, development and production in the digital field is substantiated; regular monitoring of the state of the infrastructure and advanced training of employees involved in its management and reproduction.