The impact of sanctions policy on the transformation of banking strategies in Russia

The transformation of Russian banks' strategies in the face of sanctions pressure is considered in detail, with special attention being paid to the impact of digitalization and the formation of ecosystems as key factors ensuring the adaptation of financial institutions to new economic realities. A comprehensive analysis of key areas of transformation has been performed, including import substitution processes, active development of digital services, as well as significant changes in the structure and range of banking products and services. A comprehensive classification of strategic models has been developed, reflecting the diversity and diversity of approaches to adapting the banking sector in modern conditions. Both the positive and negative consequences of the introduction of new strategies are analyzed, which makes it possible to assess their impact on the stability, efficiency and competitiveness of banks. Specific examples of leading Russian banks are given, demonstrating the practical implementation of the chosen strategies, the specifics of their functioning and adaptation in the face of external pressure. The key risks and challenges associated with the transition to an ecosystem model have been identified, including management issues, information security, and the need for a systematic and integrated approach to the development of digital infrastructure and innovative technologies in the banking sector. Special attention is paid to the analysis of the impact of sanctions on the international cooperation of banks and the prospects for the integration of Russian financial institutions into global digital ecosystems, which is an important aspect of the long-term strategy for the development of the banking sector. The article examines the institutional conditions governing digital transformation and the role of the state in supporting the innovative activity of banks in conditions of limited access to foreign technologies.