TY JOUR TI THE INCULCATION OF INNOVATIVE BANK PRODUCTS INTO THE RUSSIAN CREDIT ORGANISATIONS ACTIVITY KW cyber- risks KW figures banking KW kernel of operation infrastructure for credit organizations KW strategy bank externalization KW financial technology KW personal management in credit organizations KW social corporative responsibility JO Bulletin of Belgorod State Technological University named after. V. G. Shukhov AU Tumin, V.M. AU Buhonova, S.. AU Krivcova, V.A. PY 2018 IS 3 PB Belgorod State Technological University named after V.G. Shukhov