INNOVATIVE BANKING SERVICES IN WORLD COUNTRIES ACCORDING TO INCOME

Abstract

The scientific article is devoted to the development trend of innovative banking services, in
which the implementation of digital banking services is analyzed according to the income of the countries.
According to the results of the analysis, the construction of the digital economy in developed countries is much more
advanced. It has also been found that digital banking services have been improving in recent years in upper-middleincome countries. But in lower-middle-income countries, digital banking services are not well developed. We can cite
the following reasons: a) the strength of the hidden economy in these countries and the resulting high need for cash
transactions, b) the lack of science in these countries, which prevents the emergence of new startups in the
introduction of digital technologies