Daria V. Gordya
Scientific degree: Candidate of Economic Sciences
Country: Russia
City: Belgorod
Organization: Belgorod State National Research University
Position: Associate Professor of the Department of Innovation Economics and Finance
Education – Belgorod State National Research University. Major: Finance and Credit. Qualification: Master’s degree (2020).
Academic degree - Candidate of Economic Sciences, specialty 5.2.4 Finance. Candidate's dissertation on "Formation of a system for monitoring and forecasting of banking risks under the influence of the development of digital technology" defended in the Dissertation Council at the Oryol State University named after I.S. Turgenev (2024).
Position – Associate Professor of the Department of Innovation Economics and Finance, Institute of Economics and Management, Belgorod State National Research University
− research into banking risks in the context of the digital transformation of banking;
− study of the development of digital banking technologies and remote banking services;
− analysis of the impact of financial technologies on the stability and development of the banking sector.
− theoretical provisions of banking management have been developed based on the study of scientific approaches to determining banking risk in accordance with the transforming conditions of banking business;
− the need to form a system for monitoring and forecasting banking risks has been conceptually and methodologically substantiated, which allows, within the framework of the process of forming an integrated system, to track the financial condition of the bank and assess its liquidity, solvency, competitiveness, business activity and financial stability;
− an econometric model of binary choice has been developed and tested, which, based on the analysis of aggregated analytical data, allows determining the degree of influence of each criterion on banking risks and accurately determining the probability of risks occurring in the analyzed period;
− a methodological approach to minimizing banking risks has been proposed and substantiated, based on the stress testing method, which allows for early warning of risks in the short and medium term by defining risk indicators and analyzing the variability of risk exposure criteria, taking into account the development of digital technology;
− an algorithm has been developed for monitoring and forecasting banking risks in the context of the development of digital technology.
- the author of various publications on the development and implementation of financial technologies in the context of digitalization of the banking sector (RISC Hirsch index: 7).
Research contract on the topic: “Development of methodological tools for a comprehensive assessment of the financial resources of small enterprises”, Contractor (2026).
- Letter of thanks from the Directorate of Financial Literacy of the National Research Institute of Financial Sciences of the Ministry of Finance of Russia (2026);
- Letter of thanks from the Directorate of Financial Literacy of the National Research Institute of Financial Sciences of the Ministry of Finance of Russia (2025);
- Honorary title of the Belgorod State National Research University "Best Postgraduate" based on the results of research in 2022 (2023);
- Laureate of the nominal scholarship of the Governor of the Belgorod Region for postgraduate and doctoral students (2023);
- Honorary title of the Belgorod State National Research University "Best Postgraduate" based on the results of research in 2021 (2022);
- Laureate of the nominal scholarship of the Governor of the Belgorod Region for postgraduate and doctoral students (2022);
- Honorary diploma of the Department of Finance and Budgetary Policy of the Belgorod Region (2021);
- Honorary title of the Belgorod State National Research University "Best Postgraduate" based on the results of research in 2020 (2021);
- Diploma for high achievements in research activity from the director of the Institute of Economics and Management V.M. Zakharov (2021).
RISC SPIN-code: 8450-4690, Scopus Author ID: 58408844800,
ORCID: 0000-0003-1325-263X, Web of Science ResearcherID: ADK-6355-2022.
Major works:
1. Public “green” procurement as a tool for rational spending of budget funds and ensuring environmental safety of the country / S. N. Kovalenko, E. A. Karlovskaya, N. I. Bykanova, D. V. Gordya // Modern Economy Success. - 2026. - No. 1. - Pp. 104-113. - EDN EAFXTR.
2. Malygina, K. A. Managing the financial condition of the pharmaceutical industry: problems and development trends / K. A. Malygina, D. V. Gordya // Industrial Economy. - 2025. - No. S1. - Pp. 189-195. - DOI 10.47576/2949-1886.2025.8.8.027. - EDN AJKNQI.
3. Karlovskaya, E., Vaganova, O., Gordya, D., Balabneva, O., Talimova, L. (2025). Trends in the Development of BNPL Services as a Modern Digital Solution in Russian and Foreign Payment Industry. In: Ilin, I., Youzhong, M. (eds) Digital Systems and Information Technologies in the Energy Sector. Lecture Notes in Networks and Systems, vol 1244. Springer, Cham. https://doi.org/10.1007/978-3-031-80710-7_18
4. Mashevskaya, O., Karlovskaya, E., Vaganova, O., Gordya, D., Trifonova, N. (2025).Energy Sector of the Economy and Digital Opportunities of Modernity. In: Ilin, I., Youzhong, M. (eds) Digital Systems and Information Technologies in the Energy Sector. Lecture Notes in Networks and Systems, vol 1244. Springer, Cham. https://doi.org/10.1007/978-3-031-80710-7_26
5. Methodological aspects of the formation of new long-term financing instruments / O. V. Vaganova, D. V. Gordya, E. A. Karlovskaya, O. V. Mashevskaya. - Belgorod: Belgorod State National Research University, 2024. - 88 p. - ISBN 978-5-9571-3750-4. - EDN VRHCYH.
6. Gordya, D. V. Formation of a system for monitoring and forecasting banking risks under the influence of digital technology development: dissertation for the degree of candidate of economic sciences / Gordya, Daria Viktorovna, 2024. – 190 p. – EDN EOQALI.
7. Karlovskaya, E. A., Tokar, E. V., Gordya, D. V. Development of methodological approaches to minimizing banking risks in the monitoring and forecasting system // Research Result. Economic Research. – 2024. – Vol. 10. – No. 3. – P. 107-116. − DOI: 10.18413/2409-1634-2024-10-3-1-0
8. Vaganova O., Melnikova N., Gordya D., Konshina L. Determination of Influence of the Oil Production Factor on the Russian Economy // E3S Web of Conf. – 2023. – Vol. 389. – DOI: https://doi.org/10.1051/e3sconf/202338909022
9. Gordya D.V. Methodological Aspects of Banking Risk Management // Research Result. Economic Research. – 2023. – Vol. 9. – No. 4. – P. 94-105
10. Gordya D.V. Digital technologies of banking services in Russia, their current state and development trends // Economic and humanitarian sciences. – 2023. – No. 8 (379). – P. 30-44.
11. Vaganova O.V., Gordya D.V., Sidibe M., Golubotskikh V.N., Pryadko E.A. Technological innovations in the global banking sector of the economy // Bulletin of the South-West State University. Series: Economics. Sociology. Management. – 2023. – Vol. 13. – No. 1. – P. 23-34.
12. Vaganova O.V., Gordya D.V., Sidibe M., Golubotskikh V.N., Pryadko E.A. Technological innovations in the global banking sector of the economy // Bulletin of the South-West State University. Series: Economics. Sociology. Management. – 2023. – Vol. 13, No. 1. – Pp. 23-34.
13. Vaganova O.V., Bykanova N.I., Gordya D.V., Golubotskikh V.N. Development of the Open Banking System in Russia // Modern Economy: Problems and Solutions. 2022. No. 1 (145). Pp. 27-37.
14. Bykanova N.I., Gordya D.V. Development Vectors of Children's Banking as a Promising Segment of the Digital Banking Business in Russia // Scientific Result. Economic Research. 2021. Vol. 7. No. 3. Pp. 103-114.
15. Vaganova O., Bykanova N., Gordya D., Evdokimov D. Growth Points of Fintech Industry in The Perception of Financial Market Transformation // European Proceedings of Social and Behavioral Sciences (EpSBS). Vol. 103. 08 March 2021. Pp. 435-441. DOI: 10.15405/epsbs.2021.03.54
