THE IMPACT OF DIGITALIZATION OF BANKING SERVICES ON THE FINANCIAL STABILITY OF COMMERCIAL BANKS
Keywords:
Digital banking services, financial stability, credit risk, non-performing loans, liquidity, capital adequacy, commercial banks.Abstract
This scientific thesis analyzes the impact of the digitalization of banking services on the financial stability of commercial banks based on empirical data. The study examines loan portfolio quality, non-performing loans (NPLs), capital adequacy, liquidity indicators, and risk concentration in connection with the development of digital banking services. The results of the analysis indicate that digital lending, online microloans, and remote banking services, while enhancing banks’ operational efficiency, also emerge as factors that intensify credit and liquidity risks.
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