Today, digital technologies are transforming the banking and financial sector, improving customer service quality, increasing operational efficiency, and reducing costs. Artificial intelligence, blockchain, mobile banking, cybersecurity, big data analysis, and augmented reality are among the key trends shaping the future of banking. However, there are challenges that need to be overcome, such as compliance with regulatory requirements, outdated IT systems, cybersecurity, and the need for qualified professionals. Digital transformation in banking promises to facilitate customer acquisition and retention, enhance adaptability, and increase system security. However, all these benefits are only available to those who overcome the numerous transformation challenges, from resistance to change to resource shortages in times of war.