PRIORITY DIRECTIONS AND STRATEGIC OBJECTIVES FOR IMPROVING THE DEPOSIT POLICY OF COMMERCIAL BANKS IN THE CONTEXT OF THE DIGITAL ECONOMY

This article examines the priority directions and strategic objectives for improving the deposit policy of commercial banks in the context of the digital economy. It analyzes the impact of digital transformation on deposit policy and highlights the role of artificial intelligence (AI), Big Data, Open Banking, and FinTech technologies in deposit portfolio management. Furthermore, the study proposes scientific and practical recommendations for developing customer-oriented innovative deposit products, integrating deposit policy with strategic management, and implementing modern risk management mechanisms.