Publication Details
Abstract
This article covers the theoretical, methodological and practical aspects of improving the transformation process of commercial banks. The study analyzes the issues of introducing digital technologies in the banking system, optimizing business processes, expanding the scope of customer-oriented services, improving the quality of corporate governance, and improving risk management mechanisms. It is argued that the transformation of commercial banks is not only the introduction of digital products and services, but also a complex process that requires updating the bank's business model, organizational structure, management system and personnel capacity. During the study, criteria were developed for assessing the digital maturity of banks, customer satisfaction, operational efficiency, financial stability and risk tolerance. Also, practical institutional, technological and management proposals were put forward for the effective organization of transformation processes in commercial banks. These proposals serve to increase the competitiveness of banks, improve the quality of services and strengthen their financial stability.