A model for assessing the financial stability of retail chains based on a digital footprint: integration of Big Data and traditional financial metrics

Authors

Y. Y. Zagorova
Kuban State University, Russian Federation

DOI

https://doi.org/10.31429/2224042X_2025_79_37

Abstract

The study proposes a dynamic model for assessing the financial stability (Zr) of retail chains that overcomes the limitations of traditional approaches in the context of digital market transformation. The relevance of the research stems from the rapid growth of online sales in the retail sector (from 5% to 15% over the past three years) and the inadequacy of classical models that fail to account for digital activity. The proposed model integrates conventional financial ratios with digital indicators, making it applicable for monitoring business sustainability, designing KPIs for digital divisions, optimizing product assortment, and supporting investment and credit decision-making.

Keywords

innovative activity, personnel involvement, determinants of innovation, enterprise competitiveness

Author Info

Y. Y. Zagorova

Graduate student of the Department of Economic Analysis, Statistics and Finance at Kuban State University

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Article Details

Issue

2025 · No. 3 (79)

Section

Digital Economy

Publication History

Published 2025-09-23

How to Cite

[1]
Zagorova Y.Y. A model for assessing the financial stability of retail chains based on a digital footprint: integration of Big Data and traditional financial metrics // Economics: Theory and Practice. 2025. No 3 (79). С. 37–45. DOI: 10.31429/2224042X_2025_79_37

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Copyright (c) 2025 Y. Y. Zagorova

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This work is licensed under a Creative Commons Attribution 4.0 International License.