Literature review: the significance of digitization to management credit activity of commercial banks

In the context of increasing global financial instability in the world, the role of bank loans in stimulating sustainableeconomic growth is increasing. Credit investments of commercial banks are the main non-financial source of bankingactivity. The level of organization of credit processes is the best indicator of the overall work of the bank and the qualityof its management. The article analyzes the importance of digitalization in the effective organization of credit operationsand portfolio management of commercial banks. It also describes in detail the analytical framework for increasing theefficiency of commercial banks, the level of digital transformation in banks, and the level of availability of technologies inthe banking sector.