IMPROVING THE EFFICIENCY OF COMMERCIAL BANKS THROUGH THEIR TRANSFORMATION

The article describes digital transformation in banking as the integration of digital technologies to modernize operations, improve customer experience, and increase overall efficiency. This process has gained significant momentum in recent years as banks strive to remain competitive in a rapidly evolving financial environment. This scientific article explores how the transformation of commercial banks contributes to improving their overall efficiency in a rapidly changing financial environment. The study focuses on key transformation dimensions such as digitalization, organizational restructuring, innovation in banking services, and modernization of risk management systems. Using qualitative and analytical research methods, the article examines theoretical perspectives and empirical findings from existing literature. The results demonstrate that bank transformation positively influences operational efficiency, cost optimization, service quality, and financial sustainability. The study concludes that systematic and strategic transformation is essential for enhancing the competitiveness and long-term performance of commercial banks.