Στάδια ψηφιακού μετασχηματισμού στο τραπεζικό κλάδο

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Ψηφιακός μετασχηματισμόςAbstract
This thesis examines the transformative journey of the banking sector in response to rapid technological advancements and evolving customer expectations. It emphasizes the need for banks to integrate cutting-edge technologies such as artificial intelligence, big data, automation, and blockchain to streamline operations, enhance customer satisfaction, and stay competitive. Alongside technological integration, the article examines the regulatory hurdles and security risks that arise during this digital shift, necessitating robust risk management strategies. Moreover, it highlights the critical role of organizational agility, workforce upskilling, and continuous innovation to foster a culture that supports ongoing digital adaptation. The study underscores that digital transformation is not just about technology but also about reshaping organizational structures and fostering a forward-thinking mindset. In response to these challenges, the article emphasizes the need for banks to adopt strong risk management frameworks that balance innovation with security. The regulatory landscape is evolving, requiring banks to navigate new compliance standards while ensuring data privacy and system integrity. Furthermore, the article stresses the importance of organizational agility, not only in adopting new technologies but also in fostering a culture of continuous learning and adaptability among employees. Upskilling and reskilling initiatives are crucial for enabling the workforce to meet the demands of the digital age.