The use of digitalization and technologies in updating credit policy

In the context of rapid digital transformation, the modernization of credit policy has become an essentialrequirement for financial institutions. This article examines the theoretical foundations and practical aspects of digitalizationin credit management, highlighting the role of innovative technologies such as artificial intelligence, big data analytics,and blockchain in assessing creditworthiness and mitigating risks. The research methodology includes comparativeanalysis and case studies from selected commercial banks implementing digital credit solutions. The results reveal thatthe integration of digital technologies significantly enhances decision-making accuracy, speeds up loan processing, andimproves overall risk management. The article concludes by recommending strategic approaches for banks to adopttechnology-driven credit policy frameworks in alignment with global financial trends