INTERNATIONAL EXPERIENCE IN THE DEVELOPMENT OF DIGITAL BANKING SERVICES AND PROSPECTS FOR THEIR EFFECTIVE APPLICATION

Since the early days of our country’s independence, the implementation of fundamental economic reforms in the banking system has become one of the key directions of national economic policy. At present, the ultimate objective of commercial banks is to maximize profits, and achieving this goal requires not only the steady growth of returns on bank assets but also the optimization of expenses. In this process, particular emphasis should be placed on the qualitative aspects of enhancing the profitability of bank assets, which carries significant practical importance. Attaining this, in turn, necessitates the ability of each commercial bank to effectively manage its financial resources.