The globalization of the world economy has brought about many changes in Russia's socio-economic processes, which in turn requires ensuring the security of processes related to state (federal, sub-federal, or regional), municipal, and corporate management in the context of the multipolar development of the global space and the transformation of the global economy. The analysis of publications and the results of scientific research demonstrate the need to increase the competitiveness of the Russian economy. With all its natural resources, the Russian Federation's national economy is obliged to use high contract prices in international trade to increase the level of socio-economic development of the country and its regions, as well as to enhance technological sovereignty and ensure national security.

In recent years, the scientific and analytical community has been concerned about the lack of statistical data available on the official website of the Federal State Statistics Service of the Russian Federation. The introduction of digital technologies has occurred in all areas of the Russian Federation's government, the governments of its constituent entities (regions), and their municipalities, and artificial intelligence is being used everywhere, including to simplify many statistical procedures. At the same time, there is a need to detail statistical accounting in order to obtain more comprehensive applied analytical information in the context of globalization of the economy and integration of the Russian Federation into the global space.

The article focuses on the application of artificial intelligence technologies in public administration and business to ensure economic growth, technological sovereignty, and national security.

The article examines the problems of ensuring Russia's economic and financial security in the context of the formation of a multipolar world system. Based on an analysis of the historical experience of the collapse of the USSR and the transformation period of the 1990s, the authors identify key threats to economic sovereignty, both from the actions of unfriendly states and from the use of liberal economic models that are not adapted to Russian conditions. Special attention is paid to the period after 2014 and the start of the special military operation, which accelerated the processes of import substitution and the revision of macroeconomic policy. The paper provides a critical analysis of the Bank of Russia's monetary policy and substantiates the need for a programdirective model of economic management to transition to a new technological order. In conclusion, the paper formulates measures to strengthen economic sovereignty, including technological independence, the development of non-resource exports, countering sanctions, and increasing the role of the state in strategic sectors. 

The digital transformation of the banking sector goes beyond the usual modernization of services: it reshapes approaches to financial services, making technology a key factor in trust, security, and accessibility. Modern bank branches are transforming into intelligent platforms where artificial intelligence (AI), biometrics, blockchain, robotics, touch-sensitive terminals, and digital currency create new standards for customer interaction, improving operational efficiency, transaction accuracy, and the resilience of financial institutions. Significant attention is paid to the internal processes of banks, including the automation of operations, the selection of staff focused on the use of AI, including in the field of risk management and data analytics. Of particular interest is the Chinese model of digital transformation, which combines large-scale government strategies, support for scientific and technological integration with the national infrastructure, and the active participation of fintech companies. Branches here are becoming hybrid spaces where digital technologies and personal service are harmoniously combined, ensuring both the speed of transactions and the availability of financial services for customers with varying levels of digital competence. Large-scale government support includes regulatory and legal regulation, development of 5G infrastructure, cloud platforms, quantum communication, fintech sandboxes, and educational programs to improve financial literacy and financial culture. Innovative approaches, such as the introduction of the digital yuan (e-CNY), smart contracts, international payment platforms (mBridge, BRICS Pay), and the integration of the ecosystems of major technology companies (Alibaba, Tencent, Baidu), are creating a unique digital financial ecosystem. This allows for the creation of new standards of transparency, reliability, and security, reducing operational risks, increasing financial inclusion, and strengthening customer trust.

The paper presents the results of an analysis of technological, institutional, and regulatory mechanisms that support the sustainability and competitiveness of the banking system, including through the transformation of bank branches' operations through the automation of processes, the introduction of AI, robotics, blockchain technologies, and digital identification of citizens. The study demonstrates how the synergy of innovation and government support allows for the implementation of new banking models, the development of strategic tools for the financial sector, and the creation of experiences that can serve as a reference for international banking practices. 

The intensive spread of artificial intelligence (AI) technologies in the financial sector causes the need to revise the organizational forms of banking activity. The relevance of this work is due to the fact that the current organizational structures of regional banks are not adapted to the conditions under which the main operations, from credit risk assessment to customer support, can be performed by automated digital systems. In such conditions, the transition to digital agent management systems requires an institutional analysis of the possible consequences, as well as a comparison of traditional and digital structures. The article discusses the theoretical and applied foundations of the transition from the traditional distribution of functions between departments to a system in which tasks are performed by AI agents. The object of analysis is the structure of a regional bank, and the subject is the changes that occur when AI is introduced as a performer of functions. The purpose of the study is to compare the organizational structure of the bank before and after the introduction of AI, and to identify sustainable changes in the logic of task distribution, communication, and operational control. The methodological framework includes an institutional approach, elements of comparative analysis, and the synthesis of generalized data from peer-reviewed publications. The scientific novelty of the article lies in the formalization of the mechanism for replacing routine procedural operations with autonomous digital forms of execution. The practical significance lies in the possibility of using the results in designing transformation scenarios for banks that have limited access to resources, human resources, and technological capabilities. The paper concludes on the permissible boundaries of using AI systems, as well as the conditions under which their implementation is justified from an institutional and economic perspective.

This article investigates the phenomenon of digital bank-centric business ecosystems as a key vector for transforming the Russian financial market under conditions of national economic digitization. The author substantiates a conceptual model of a bank-centric ecosystem, adapted to the institutional and regulatory specifics of the Russian financial system, and identifies its structural-functional characteristics. The paper proposes a classification of business ecosystems, with particular attention paid to the role of systemically significant banks as platform architects who coordinate cross-industry value creation chains and ensure technological and regulatory compatibility among participants. The study also analyzes the transformation of commercial banks' risk profiles under conditions of ecosystem integration, including the intensification of traditional risks and the emergence of specific ecosystem-related risks. The necessity of adapting the regulatory environment to the challenges posed by the ecosystem model is justified, including the development of a legal status for digital platforms, data protection standards, and antitrust control mechanisms. 

The article discusses the theoretical aspects of the development strategy of a commercial bank, as well as the author's approaches to defining the bank's financial strategy. The article analyzes the current financial strategy of JSC "Rosselkhozbank" for the period 2020-2025. The indicators of profitability and liquidity of a credit institution are analyzed. The results of the assessment of the financial strategy of JSC "Rosselkhoznadzor" are presented. A set of measures is proposed to improve the effectiveness of the bank's financial strategy. A new banking product for small and medium–sized businesses has been developed - a deposit related to the Sustainable Development Goals (ESG deposit). 

This article examines key factors of financial behavior that significantly influence investment decisions by retail clients of credit institutions (banks). The study analyzes the behavioral characteristics of investors, including their level of financial literacy, financial behavior, risk appetite, investment goals, and planning horizon, which influence the selection of investment instruments.

By applying various methods, key behavioral factors determining preferences for various investment products were identified. Using the investment potential index, the willingness and ability of retail bank clients to engage in investment activities was assessed. Client groups with different behavioral characteristics, which influence their propensity to invest to varying degrees, were identified. The obtained results allow credit institutions to optimize the development and promotion of investment products tailored to the needs and financial characteristics of various retail investor segments. 

This article analyzes the impact of the digital ruble's implementation on the country's economic security. It examines the nature of the digital ruble, the legal framework governing its circulation, and the current status of the pilot project. Particular attention is paid to identifying key threats to the implementation of digital currency that lead to economic losses and proposing solutions to protect government data. It concludes that a balance between technological innovation and economic security is essential for the successful integration of the digital ruble into the country's financial system.

The relevance of this study is due to the need to identify new, non-price mechanisms for retaining staff and managing productivity. The purpose of the study is to identify and quantify the impact of key macroeconomic factors on the development of the voluntary health insurance market in Russia using regression analysis of panel data. The study was based on a correlation and regression analysis of panel data on key macroeconomic indicators. It was found that the development of health insurance has a strong positive relationship with the growth of the service sector and the number of organizations, which indicates its institutionalization as a corporate practice. The identified "price paradox" - the negative impact of the cost of a policy on the number of insured individuals, while having a positive impact on the volume of transactions - indicates the segmentation of the market and the transition of health insurance to the category of investments in human capital. 

A region's tax potential is the amount of taxable resources, the maximum amount of tax revenue that a region can earn with the efficient use of its available resources under current tax legislation. This indicator characterizes the level of a region's development and is used to analyze and forecast the level of revenue for regional and local budgets and to assess the financial significance of the region's economic activities. This indicator is crucial in regulating interbudgetary relations: based on its value, subsidies from the federal budget are allocated, which ultimately leads to increased regional budget revenues.

The relevance of this study is due to the following: tax potential underlies differences in the level of socioeconomic development among regions. Many regions have low estimated budget capacity, which prevents them from fully meeting their expenditure obligations. Therefore, it is necessary to equalize the budget capacity of the constituent entities of the Russian Federation by providing appropriate subsidies.

The purpose of this study is to examine the tax potential of regions, existing calculation methods, areas for increasing tax potential, the role of subsidies in equalizing regional budgetary capacity, and the results of equalization.

Materials and Methods. The research base included Rosstat data on the per capita budget, subsidies for equalizing regional budgetary capacity, reports from the Federal Tax Service of Russia on the assessment and collection of taxes and fees in the consolidated budgets of constituent entities of the Russian Federation, and data from the Accounts Chamber on the results of equalization. The article utilizes the following methods: analysis and synthesis, grouping, generalization, tabulation, comparison, and others.

The study found that existing methods for calculating tax potential have both positive and negative aspects, and none of them can be considered universal. The complexity of accurately calculating tax potential is due to the fact that many factors influence its value. The need to create a unified methodology for calculating tax potential is driven by the fact that the fairness in the distribution of subsidies for equalizing budgetary capacity depends on the accuracy of this indicator's calculation. 

In recent years, the ESG (Environmental, Social, and Governance) agenda has taken a key place in the strategic development of companies around the world. The increased attention from investors, consumers, regulators, and society to sustainable development issues has led to a shift from declarative principles of corporate responsibility to the integration of ESG factors into business models and management processes. This makes ESG transformation not just a trendy trend, but an essential condition for companies' competitiveness and long-term financial sustainability in today's economy. This proves the importance of business process transformation, which in turn necessitates the study of the impact of the level of ESG indicators on the sustainability of a company's development, determining their significance, advantages, and challenges that companies face when implementing these indicators.

The article examines the process of formation and development of the public finance institution with a focus on public revenues. It analyzes the historical path from the elementary financial practices of Ancient Rus to the modern forms of budget revenues. Special attention is paid to scientific approaches to the classification of public revenues, including the significant achievements of pre-revolutionary and Soviet financial theory in Russia. The article examines the impact of each stage of the development of the state revenue system on its current state. In conclusion, the article emphasizes the important relationship between the financial foundations of ancient civilizations and the theory of public finance in modern Russia, and explains at what stage the prototype of the modern system of public revenues in Russia was formed. 

The expansion of paid services provided by public sector organizations creates a need for new control mechanisms that combine the requirements of budget legislation and the principles of market efficiency. The existing control system, which is primarily focused on the targeted use of budget funds, does not fully meet the specific requirements of revenue-generating activities, which creates risks and limits their development potential. Therefore, this article describes the dual nature of revenue-generating activities control, which combines the priority of financial control and the need for internal control, identifies key risk groups that require a differentiated approach, analyzes control mechanisms (preventive, corrective, and directive), and highlights their advantages and disadvantages. A comprehensive approach to the integration of financial and internal control has been developed, based on the integration of flexible management models and digital tools, which will allow public sector organizations to increase the competitiveness of their services, improve resource efficiency, and enhance the quality of control without compromising their social mission or budgetary discipline. 

The presented article examines in detail the problem of insufficient state regulation in the field of contractor evaluation in public-private partnership (PPP) projects. The article analyzes the risk factors of nonperformance of obligations, which are identified based on a comprehensive analysis of financial statements and data from various information sources that characterize the contractor's activities. The article proposes mechanisms for pre-qualification, which allow taking into account these factors, improving the efficiency of contractor selection, minimizing financial losses, and ensuring the timely commissioning of facilities. 

Modern market conditions are characterized by a high degree of uncertainty and instability, which creates significant challenges for companies planning to introduce new products to the market. Financial instability, manifested in the volatility of exchange rates, inflationary processes, a decrease in the purchasing power of the population, and a transformation of consumer preferences, requires companies to take a special approach to developing marketing strategies. In such conditions, the successful launch of a new product into the market becomes not only a matter of competent positioning and promotion, but also a strategic task that requires a comprehensive analysis of the market situation, flexibility in decision-making, and effective risk management. 

During the Great Patriotic War, in the context of large-scale destruction of housing stock, relocation of production facilities, and mass evacuation of the population to the east and southeast of the country, as well as the mobilization of the rural population to work in defense industry enterprises, the issue of housing provision became acute. The growth of the urban population significantly exceeded the capacity of existing buildings, leading to a severe housing problem. As a result, the social and economic needs of society necessitated the expansion of the housing stock. In this article, the authors examine the features of the housing construction industry's development during the Great Patriotic War, characterize the legislative measures to support and stimulate the industry, analyze the issues of its financing, and identify the main problems of housing construction during the Great Patriotic War.