EFFICIENCY OF REMOTE BANKING SERVICE SYSTEMS IN THE CONDITIONS OF DIGITAL TRANSFORMATION OF THE BANKING SECTOR

Abstract

The article examines the efficiency of remote banking service systems under the conditions of digital transformation of the banking sector. The relevance of the study is determined by the fact that existing research mainly concentrates on technological and institutional aspects of digitalization, whereas a comprehensive assessment integrating economic, operational, and customer-oriented indicators of remote banking efficiency remains insufficiently developed. The purpose of the study is to substantiate and structure a comprehensive approach to evaluating the efficiency of remote banking systems based on financial performance, operational transformation, and digital customer engagement indicators. The research analyzes the dynamics of cashless transactions, the development of digital identification mechanisms, the transformation of payment infrastructure, and key indicators of banks’ financial performance. The findings demonstrate that the expansion of digital channels and the automation of business processes significantly influence cost optimization, income structure, and operational sustainability. A structured evaluation model is proposed, combining economic, operational, and customer-oriented dimensions within a unified analytical framework. The scientific novelty lies in the integration of multidimensional efficiency criteria with consideration of digital infrastructure development and digital risk factors affecting financial performance. The practical significance consists in the possibility of applying the proposed framework to improve digital service management, optimize operating costs, and strengthen banking resilience. Further research should focus on developing an integral quantitative methodology incorporating digital risk and technological sustainability parameters.