Research on the Necessity and Countermeasures of Digital Transformation in Commercial Banks

Shuang Wu

doi:10.47297/wspdecWSP2515-797322.20250903

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Research on the Necessity and Countermeasures of Digital Transformation in Commercial Banks

Volume 9, Issue 3

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Research on the Necessity and Countermeasures of Digital Transformation in Commercial Banks
Research on the Necessity and Countermeasures of Digital Transformation in Commercial Banks
Guangzhou College of Commerce, Guangzhou, China
Vol. 9, Issue 3, Pages: 113-116(2025)
Published：26 March 2025
DOI：10.47297/wspdecWSP2515-797322.20250903
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Shuang Wu.Research on the Necessity and Countermeasures of Digital Transformation in Commercial Banks[J].Development Economics of China,2025,09(03):113-116.
DOI：

Shuang Wu.Research on the Necessity and Countermeasures of Digital Transformation in Commercial Banks[J].Development Economics of China,2025,09(03):113-116. DOI： 10.47297/wspdecWSP2515-797322.20250903.

摘要

Abstract

The emergence of fintech marks a significant milestone in the history of financial development. It has not only impacted people's lives but also reshaped the landscape of the financial industry. Leveraging innovative advantages

fintech companies have encroached on commercial banks' market share while simultaneously motivating banks to embrace emerging technologies and embark on digital transformation. The digital transformation of commercial banks is not only an inevitable choice to address market competition and technological iterations but also a core pathway to enhance service efficiency

optimize risk management

and fulfill social responsibilities. This paper analyzes the necessity of digital transformation for commercial banks

identifies challenges during the transformation process

and proposes countermeasures focusing on strategic planning

organizational restructuring

technological investment

and ecosystem collaboration. These recommendations aim to provide references for the sustainable development of the banking industry amid the digital wave.

关键词

Keywords

references

Zhao Wenchuan . Research on Optimization of Corporate Business Marketing Strategies for Commercial Banks under Digital Transformation [J ] . China Agricultural Accounting , 2025 , 35 ( 04 ): 96 - 98 .

Lin Yingjie , Zhang Longyao , Xiong Jian . Impact of Digital Transformation on Operational Risks of Rural Commercial Banks: Concurrent Discussion on Digital Transformation Anxiety in Rural Commercial Banks [J ] . Agricultural Economics and Management . 2024 , 6 : 182 - 194 .

Lu Xiaohui . Research on the Impact of Digital Transformation on Commercial Bank Risk Management [J ] . Commercial Exhibition Economy . 2025 , 4 : 62 - 65 .

Kong Weiran , Ye Huaibin . Internationalization of Banking Industry under Digital Transformation [J ] . China Finance . 2025 , 4 : 68 - 69 .

Tan Yungan . Research on Digital Transformation Strategy of GD Bank [D ] . Shandong : Shandong University of Finance and Economics , 2024 .

Meng Xiangjun , Wang Yong , Li Qun . Research on Bank Transformation and Coping Strategies under Fintech Impact [J ] . Price: Theory & Practice . 2024 , 6 : 202 - 207 .

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