The essence and structure of practice-oriented mathematical digital competence of future financial sector specialists

The article addresses current issues related to the development of professional competence among students of financial study programs in the context of the digital transformation of the economy. Particular attention is given to the fact that the modern system of higher education must ensure the training of specialists capable of effectively applying mathematical tools, digital technologies, and data analysis methods in their professional activities. An analysis of various scientific interpretations of the concept of «professional competence» in the context of training specialists in different fields has been conducted, which made it possible to identify the diversity of approaches to its definition. The necessity of developing practice-oriented mathematical digital competence in future finance professionals is substantiated. Such competence ensures graduates’ readiness to use mathematical models, methods, and digital tools in solving problems within the financial-economic and financial-management domains. The article reveals the essential characteristics of this competence, highlights its structural components (mathematical, cognitive-knowledge, practice-oriented, communicative-digital, value-motivational, and reflexive-evaluative), and establishes the importance of their formation among finance students in the process of learning mathematics. It is concluded that the development of practice-oriented mathematical digital competence is a crucial condition for improving the quality of training for financial sector specialists and enhancing their competitiveness in the labor market under the conditions of the digital economy.