DIGITAL COMPETENCIES OF MANAGEMENT PERSONNEL AS A CONDITION FOR THE DEVELOPMENT OF THE FINANCIAL TECHNOLOGY SECTOR

Abstract

The article is devoted to the study of the role of digital competencies of management personnel in ensuring the competitiveness of organizations in the financial technology (fintech) sector. In the context of digital transformation of the economy and accelerating technological changes, the presence of relevant digital skills among managers becomes an essential condition for the successful functioning of fintech companies capable of creating demanded personalized financial products and services. The author examines the evolution of the concept of «digital competencies» from basic computer literacy to a comprehensive category that includes proficiency in modern data analysis tools, artificial intelligence, and distributed ledger technologies. The paper systematizes the methods for developing digital competencies of management personnel, identifying three main groups: educational, practice-oriented (project-based), and organizational-motivational. For each group, specific learning tools are presented, such as distance learning systems (LMS), workshops, hackathons, communities of practice, as well as gamification tools and KPI trackers. It is substantiated that the choice of methods and tools should be made taking into account the organization’s resource availability, the workload of managers, and the need for individualization of the educational process to increase the efficiency of professional training costs.