The relevance of the analysis of trends in the development of digital banking is due to the fact that it can be useful in the development of strategic decisions by banks, on the basis of which it is possible to obtain a significant competitive advantage when working with clients. In the banking sector, as in a key segment of the economy of any country, digitalization processes are clearly reflected, the main trend of which is the gradual transfer of all banking operations to online mode. In addition, there is an increasing popularity of technologies for personalization of customer needs, remote identification, artificial intelligence, machine learning, big data, blockchain and Open API. At the same time, it is impossible not to pay attention to the risks associated with the digitalization of banking activities, such as the risk of economic security and the risk of lagging behind the possibilities of the banking environment's adaptability to new types of activities and payment instruments.