This article examines the impact of digital transformation on Ukraine's banking sector, particularly the role of information technology in enhancing the efficiency and competitiveness of financial institutions. The author analyses the key technological trends that will determine the future of banking, such as artificial intelligence, blockchain, 5G, cloud computing and the Internet of Things. Particular attention is paid to the prospects for the development of digital banking in the context of the growing influence of neo-banks, fintech companies, and new business models, such as BaaS. A comprehensive digital modernisation strategy focused on the small and medium-sized enterprise (SME) segment is proposed using JSC CB 'PrivatBank' as an example. The necessity of implementing specialised software solutions that integrate with online banking – including electronic document management, business intelligence and business idea evaluation tools – is substantiated. A financial and economic assessment of the proposed project was carried out, confirming its high investment attractiveness: the net discounted cash flow over six years exceeds UAH 230 million, with annual profits in excess of UAH 66 million. These results demonstrate that digitalising banking services meets modern customer needs and strengthens the bank's market position, promotes financial inclusion and creates an effective financial ecosystem.
Davydenko et al. (Fri,) studied this question.
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