GLOBAL EVOLUTION OF DIGITAL BANKING SERVICES
DOI:
https://doi.org/10.47390/ydif-y2026v2i3/n04Keywords:
digital banking services, digital banking, banking evolution, internet banking, mobile banking, cloud technologies, biometric identification, artificial intelligence, open banking, banking ecosystem, neobanks.Abstract
This thesis provides a comprehensive analysis of the evolution and development stages of digital banking services on a global scale. The study examines the transition of banking services from the traditional model through intermediate phases to a fully digital and ecosystem-based model. Technologies such as telephone banking, internet banking, mobile banking, cloud computing, biometric identification, and artificial intelligence are considered as key drivers of step-by-step development. Furthermore, the impact of digital transformation on banking business models, customer experience, and service delivery channels is explored, and the platform-based and open API–driven directions of modern digital banking are described.
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