DIGITAL INNOVATIONS IN BANK ASSET MANAGEMENT: CHALLENGES AND PROSPECTS

Abstract

One of the fundamental priorities of modern commercial banks is the efficient, responsible, and strategically justified allocation of financial assets entrusted by customers. In market-oriented financial systems, banks play a central role in the redistribution of temporarily free resources by channeling them into productive sectors of the economy. For this reason, the effective deployment of bank assets forms the foundation of sustainable banking operations. Banks must not only ensure the preservation and profitable use of customers' deposits but also attract solvent borrowers capable of utilizing financial resources efficiently and transparently.