Abstract
In the era of information technologies, innovative products are created in the banking system, and the existing ones are further modernized from the perspective of improving banking services. This is especially important for increasing the competitiveness of banks. Each country has its own features and characteristics of banking services. It depends on the level of social, economic and cultural development. In particular, the implementation of innovative banking in developed countries is at a much higher level than in developing countries. These differences are based on a number of key variables such as awareness, age, education level, computer and internet knowledge and skills. Nowadays, innovation is a key factor in the stability, competitiveness and sustainable economic growth of banks. In addition, the deepening digitization of the economy, as well as increased environmental sustainability and cyber security, forces banks to constantly seek new ways of innovation to adapt to changing realities. Thus, the topic of banking innovation remains extremely relevant and will continue to attract the attention of both industry experts andthe general public.
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