DIGITAL ECONOMY CONDITIONS AND THE TRANSFORMATION OF THE NATIONAL PAYMENT SYSTEM AND ITS IMPACT ON ECONOMIC EFFICIENCY

This study analyzes the transformation of the national payment system in the context of the digital economy and its impact on economic efficiency. The research focuses on the role of digital payment technologies, fintech innovations, and modern financial infrastructures in accelerating transaction processes, reducing operational costs, and enhancing financial transparency. Particular attention is given to the contribution of digital payment systems to financial inclusion, business development, and economic stability. The findings indicate that the digital transformation of national payment systems serves as a critical driver of sustainable economic growth and improved economic performance.