The article discusses the development of a commercial risk management concept aimed at a holistic presentation of scientific hypotheses and ideas, patterns, goals and objectives, principles and functions of management, theoretical and methodological issues related to management methods and methodology for developing risk management strategies in modern enterprises. Based on the proposed risk management concept, a conceptual model is proposed that makes it possible to philosophically and conceptually comprehend the essence of risk management based on the basic rules of modern concepts of commercial, commercial management, strategic management and risk management, clarify possible sources of commercial risks, clarify the interrelation of a complex of scientific knowledge on risk management.

The article discusses the principles of formation of the digital economy and highlights aspects of its improvement through the use of commercial banking technologies. The importance of digitalization of the economy in the socio-economic development of countries is highlighted, as well as scientific and theoretical views on the development of the use of technology by commercial banks and proposals and recommendations for their analysis.