DIGITAL TRANSFORMATION OF COMMERCIAL BANKS AND INCREASING ECONOMIC EFFICIENCY IN SERVICE AREAS
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Ecomind Press
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This article comprehensively examines the processes of digital transformation of commercial banks, its impact on service efficiency and its role in increasing economic efficiency. Digital technologies, including artificial intelligence, blockchain and mobile applications, are reshaping banking services, improving customer experience, reducing operating costs and creating new revenue streams. The article provides practical recommendations for further deepening digital strategies in order to increase the competitiveness and ensure sustainable development of commercial banks.