DOI: 10.18413/2409-1634-2024-10-1-1-0


Digitalization of the banking sector implies the use of information technologies to automate and improve work processes in this area. It includes the transfer of traditional financial transactions and services to a digital format, as well as the use of new technologies in the bank’s work (blockchain, artificial intelligence and big data). An analysis of the literature showed that such a digital approach is now becoming an integral process of the modern economy, and offers many opportunities to improve the banking services provided and risk management.

The article discusses some of the positive aspects brought by digitalization to the banking sector, and the author also shows that digitalization finds a greater response in the economy when the government and the National Bank invest in the development of financial literacy of the population.

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