Abstract
In the context of exponential growth in the transformation of the financial sector, digital banking technologies are becoming increasingly important in ensuring financial security. The purpose of this article is to examine the role of digital banking technologies in ensuring the financial security of credit institutions, as well as to determine the extent to which these factors affect the stability of banking operations. The paper examines the main directions of digitalization in the banking sector, including the expansion of remote service channels, the automation of business processes, the development of digital payment technologies, the use of big data, artificial intelligence, and machine learning technologies, as well as the development of cybersecurity systems. Particular attention is paid to the dual nature of digital technologies in the banking sector: on the one hand, their ability to reduce operational, credit, and fraud risks, and on the other hand, the threats they pose, including the growth of cyber risks, data leaks, and technological dependence. The study uses methods of analysis and synthesis, a systematic and comparative approach, and a summary of the scientific views of foreign and domestic authors. The study confirmed the thesis that the successful implementation of digital banking solutions, supported by effective risk management and regulatory improvements, enhances the financial stability and sustainability of the banking sector. Keywords: digital banking technologies, financial security, digitalization, cyber risks, financial stability.