Abstract
The development of the economy is always based on the introduction of innovations. Active changes are taking place in various areas. The digital economy is an economic activity focused on the use of digital and electronic technologies. Currently, much attention is paid to the use of digital technologies in the banking sector. The relevance of this topic lies in the fact that the use of digital technologies in banks is the main link in the development of the digital economy of the whole country, as well as in increasing competitiveness in the banking industry
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