DIGITAL TRANSFORMATION AS A DRIVER OF STRATEGIC MANAGEMENT EFFECTIVENESS IN COMMERCIAL BANKING SECTOR

This article explores the role of digital transformation in enhancing the effectiveness of strategic management systems in commercial banks. The rapid development of digital technologies has significantly reshaped banking operations, decision-making processes, and competitive strategies. The study analyzes how digital tools such as artificial intelligence, big data analytics, and digital platforms contribute to improving strategic planning, operational efficiency, and risk management. Using analytical and comparative methods, the research identifies key challenges and opportunities associated with digital transformation in the banking sector. The findings suggest that digitalization serves as a critical driver for modernizing strategic management systems and strengthening banks long-term competitiveness.