Digital Innovations in Banking: A Case Study of Russian VTB Bank's Savings and Investment Product Strategies

This article explores the digital innovations implemented within the retail banking division of VTB Bank, with a focus on the savings and investments sector. Through advanced product management, the bank successfully launched several key digital products aimed at improving financial literacy, increasing customer engagement, and enhancing savings and investment behaviors among customers. This study investigates the impact of these innovations, particularly in relation to the use of gamification, automated investing, and personalized financial management systems, and evaluates the role of data-driven decision-making in the bank's product development process