COMMERCIAL BANKS UNDER DIGITAL TRANSFORMATION

Abstract

In the context of digital transformation, commercial banks are increasingly required to process payments faster, more securely and with higher operational efficiency. The rapid development of real-time payment systems, mobile banking, internet banking and cross-border payment platforms has significantly changed the nature of liquidity management in banks. In traditional banking, payment flows were relatively predictable and processed mainly during limited business hours. However, in the digital economy, customers expect payments to be executed almost instantly, while banks must ensure that all payment obligations are fulfilled without creating excessive liquidity pressure.