Digital Transformation (DT) plays a crucial role in ensuring the competitiveness and sustainable development of the modern banking system. This article analyzes the DT processes within the banking sector, specifically the integration of Fintech solutions № 10-SON OKTA BR, 2025 -YIL 526 and their impact on the quality of customer service. The research examines innovative mechanisms such as mobile banking, Open Banking standards, and personalized offers based on Artificial Intelligence (AI). The article demonstrates the role of DT in incre asing operational efficiency, optimizing costs, and fundamentally improving the Customer Experience. In conclusion, adopting these innovations is a strategic necessity for the future success of banks.