SCIENTIFIC AND THEORETICAL BASIS OF PROCEEDING A STRATEGY FOR THE DEVELOPMENT OF COMMERCIAL BANKS

Abstract

This article analyzes current trends in the transformation of commercial banks and the introduction of digital technologies. In particular, the strengthening of macroprudential supervision in the banking system, digital transformation, optimization of business processes, and the advantages and limitations of the use of financial technologies are highlighted. Also, based on international and national experience, the issues of strategic development of banks, risk management systems, and cybersecurity are analyzed. The study substantiates the need to pay special attention to the transformation of banks not only to technological innovation, but also to strategic management, service quality, and financial stability.