WAYS TO INCREASE THE INNOVATIVE ACTIVITY OF COMMERCIAL BANKS IN THE CONDITIONS OF DIGITALIZATION

This article discusses the issues of increasing the innovative activity of commercial banks in the conditions of digitalization. It is substantiated that digital transformation processes are an important factor in improving the quality of banking services, providing convenient and fast service to customers, and reducing operating costs. It also analyzes ways to increase the competitiveness of banks through the introduction of remote banking services, mobile applications, artificial intelligence technologies, "Big data" analysis, and fintech solutions. The article develops practical proposals for stimulating innovative activity, improving the risk management system, and developing digital infrastructure.