CURRENT PROBLEMS AND CONSTRAINTS IN THE DEVELOPMENT OF CORPORATE BANKING SERVICES

This study examines the current problems and constraints in the development of corporate banking services in the context of rapid digital transformation and financial innovation. The research highlights the dual impact of emerging technologies, which enhance efficiency and service quality while simultaneously introducing new risks related to cybersecurity, operational stability, and data management. Additionally, the study analyzes the role of regulatory frameworks, legacy systems, and increasing competition from FinTech firms as key limiting factors. Particular attention is given to the challenges faced by banks in adapting to evolving market demands and technological advancements. The findings suggest that a balanced approach integrating innovation, risk management, and regulatory compliance is essential for ensuring the sustainable development and competitiveness of corporate banking services.