Abstract
Application of new innovative digital technologies in commercial banks in a scientific article. A new approach to creating an innovative new type of Development of new banking products with high value for the client, which can satisfy the needs of clients, and elimination of "pains", that is, obstacles and solutions to problems that arise in the process of creating new products. Cases related to the theoretical basis of the organization of innovative activity in the packaging of new types of services "packaged", that is, in the process of purchasing one product, which allows the use of several new types of services in products with different prices, have been considered product, that is, introducing modern types of services that help customers meet their real needs.
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