Research on the Development Status and Trend of Digital Transformation of Commercial Banks

DOI

10.2991/978-94-6463-748-9_75How to use a DOI?

Keywords

Digital banking; Digital transformation; Digital operation system

Abstract

With the rapid development of digital technologies, commercial banks are facing competitive pressure from fintech companies and emerging payment methods, which has driven them to undertake digital transformation in response to market changes. This essay deeply discusses the development status and future trend of digital transformation of commercial banks. This paper first analyzes the construction of digital operation system of commercial banks, including the role of digital transformation, the core components of digital operation and how to improve customer experience. Subsequently, the paper elaborated on the application of big data, artificial intelligence, cloud computing and other technologies in banking business, as well as the profound impact of digital transformation on banking business processes, service models, risk management and other aspects. Based on the analysis of the current situation, the paper further discusses the future trends and shortcomings of the digital transformation of commercial banks. With the continuous maturity of technology and the continuous expansion of application scenarios, commercial banks will apply digital technology more deeply to optimize business processes, improve customer experience, reduce operating costs, and promote business model and product innovation. This study not only provides theoretical basis and practical guidance for the digital transformation of commercial banks, but also provides useful reference for financial regulators to formulate relevant policies and promote the development of the financial industry.

Copyright

© 2025 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Xiaomeng Li
PY  - 2025
DA  - 2025/07/03
TI  - Research on the Development Status and Trend of Digital Transformation of Commercial Banks
BT  - Proceedings of the 2025 International Conference on Financial Risk and Investment Management (ICFRIM 2025)
PB  - Atlantis Press
SP  - 676
EP  - 685
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-748-9_75
DO  - 10.2991/978-94-6463-748-9_75
ID  - Li2025
ER  -