INTRODUCTION OF DIGITAL ONLINE SERVICES BY COMMERCIAL BANKS
Digital technology is involved in all aspects of our life. This process is called “digitalization” and has become the defining trend of the coming decades. This process poses serious challenges to existing business models, including in banks that are currently undergoing a transformation process around the world. The term "digitalization" of the economy and society is understood as a transformation in the socio-economic field through the public introduction of digital technologies for searching, processing, forming the exchange and transfer of information. In the digital age, it is already difficult to imagine your life without the use of the Internet, as well as without the introduction of new innovative products that have a huge impact on the development of the global economy, on the development of new economic models, on the increase in the GDP of countries, and as a result on the improvement of the quality of life of the population. Modern innovative technologies act as the basic foundation for the development of the digital economy. Accordingly, the digital bank should be improved in the conditions of constant transformations. To do this, the bank needs flexibility, which can be achieved thanks to the Agile culture. Innovative IT products of the bank are increasingly creating their own digital teams that cover the basic competencies of business, it and marketing.