DIGITAL MATURITY OF THE BANKING SECTOR: GLOBAL TRENDS AND UKRAINIAN REALITIES

The article defines the concept of digital maturity of a bank, examines global trends in the maturity of the banking sector based on a report by the consulting company Deloitte. It is emphasized that in 2024, Deloitte conducted a study in 349 banks in 44 countries on the digital maturity of the banking sector and classified them into four groups depending on the level of their digitalization, and the leading banks were recognized as Digital Champions. Digital Champions set key digital trends and have leading market practices, which positions them as role models. Europe leads in the number of Digital Champions, followed by India, Turkey, and Brazil. A comparative characterization of the digital maturity of champion banks and other banks was conducted. It is proven that on average, Digital Champions provide a comprehensive product delivery process to customers 2.5 times more often than other banks. One of the key areas where champion banks have gained the most advantage over their competitors over the past 2 years is expanding relationships, especially in ecosystems and investment services, and they have also made significant progress in cross-selling, both for core and additional products and in card management. Attention was drawn to the fact that domestic banks were not covered by the Deloitte study on digital maturity, but a number of Ukrainian banks receive high marks from international rating agencies for the level of digitalization. The ranking of the best banks in Ukraine in terms of digitalization is headed by PrivatBank, followed by Oschadbank, Credit Agricole, and Raiffeisen Bank; other banks have a limited level of digitalization and significant potential for improving digital services. It is noted that to increase the digital maturity of the banking sector of Ukraine, a number of strategies can be recommended that affect customer service and security, namely: achieving 24/7 customer service and banking accessibility; using cutting-edge technologies to improve digital security; connecting with customers in real time; combining technologies to enhance customer experience across platforms. The conclusions formulate the main directions for the further development of the digital maturity of the banking sector of Ukraine.