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Information × Registration Number 2124U000196, Article popup.category Стаття Title Цифрова трансформація банківської діяльності як складова smart world popup.author Похилько Світлана ВасилівнаPokhylko Svitlana VasylivnaПриходько Анна ЮріївнаPrykhodko Anna YuriivnaЗолотар О.А.Pokhylko Svitlana VasylivnaPokhylko Svitlana VasylivnaPrykhodko Anna YuriivnaPrykhodko Anna YuriivnaZolotar O.A. popup.publication 01-01-2024 popup.source_user Сумський державний університет popup.source https://essuir.sumdu.edu.ua/handle/123456789/99002 popup.publisher Національний університет «Одеська політехніка» Description The aim of the article. The purpose of the article is to investigate the concept of "digital transformation all over the World and its implementation in Ukraine banking as well as the growing popularity of cashless transactions. Analyses results. We studied domestic and foreign views regarding the concept of "digital transformation" as a process of introducing digital technologies into banks' activities to improve their performance. The article described standard services and services provided in digital format, which customers use on a daily basis. The next task was to study the state of banking activity in terms of digital transformation/ The results showed how popular cashless transactions have become in Ukraine in recent years, in particular for payment card use. The study evaluates the standard bank services to investigate the increase in their efficiency due to the use of Internet banking. Conducting non-cash operations with payment cards resulted in the growth of the bank's assets. Improving the conditions for the digital transaction will contribute in the increase of the bank's financial results. The results showed that the majority of banks are actively implementing digital technologies in Ukraine now, although some banks have significant mistakes or hardships, for example, the functioning of their mobile applications. Bank clients might face frequent system failures and the inability to access online banking in general. Conclusions and directions for further research. The article considers possible prospects and problems that may arise during the introduction of new digital technologies. The biggest problem for banks today is an insufficiently developed legal framework that regulates and controls the process of digital transformation of the banking sector. As a result, this leads to a negative but inevitable aspect of the digital functioning of society - fraud. In recent years, the problem of cyber security, which arose precisely because of the introduction of new digital products and services, has been growing. But in general, all these problems could and should be solved today. Therefore, the development of digital technologies has an extraordinary impact on the banking system of Ukraine, which forces banks to rapidly develop and implement new products and processes in their banking. popup.nrat_date 2026-04-02 Close