Improving banking efficiency through digital transformation: A viewpoint on BCC bank

Abstract

This study investigates the impact of digital transformation on banking efficiency, using BCC Bank as a case study. As digital technologies such as artificial intelligence, blockchain, big data become integral to the financial sector, banks are compelled to revise their traditional business models to maintain competitiveness and operational effectiveness. The research highlights how digital transformation optimizes internal processes, enhances customer service, and contributes to sustainable growth. Using qualitative methods, including interviews with bank employees and IT experts. This study identifies the key results and obstacles that BCC Bank faced during the digital transition. The results obtained will contribute to a broader understanding of digital banking trends in Kazakhstan and provide practical information on managing technological changes in the financial sector.