DEVELOPING MODERN BANKING SERVICES IN COMMERCIAL BANKS IN THE CONTEXT OF DIGITAL TRANSFORMATION
Abstract
In recent years, digital transformation has become one of the most significant trends shaping the global financial system. Rapid technological advancements, increased internet accessibility, and the growing use of mobile devices have fundamentally changed the way financial services are delivered and consumed. Commercial banks, as key participants in the financial sector, are under increasing pressure to modernize their operations and develop innovative service models in order to remain competitive and meet evolving customer expectations.
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