Аннотация
The article examines the relationship between digital banking services and the financial efficiency of commercial banks based on econometric analysis. Correlation and regression analysis methods are used to assess the impact of digitalization on the main financial indicators of banks. The empirical base includes data on banks' digital activities and financial statements. The results show that the development of digital banking services is associated with increased financial efficiency, which leads to increased operational efficiency and lower costs. The results obtained indicate the importance of digital transformation for improving the efficiency of banking activities.