Proceedings of the International scientific and practical conference ―Israel Ukraine Forum of Science and Innovation‖ (April 27-29, 2026) / Publisher website: www.naukainfo.com. – Tel Aviv, Israel, 2026. - 262 p.

21 Regulators, in turn, should strengthen API standards, ensure interoperability, and enhance oversight of third-party risks (National Bank of Ukraine, 2025; International Monetary Fund, 2025). Thus, CRM transformation reflects a shift toward a trust-based digital model that integrates financial technologies, digital identity, and data exchange mechanisms. In Ukraine, this process is reinforced by the interaction between banking institutions and digital state infrastructure, which increasingly becomes a core element of customer experience (Bank for International Settlements, 2026; International Monetary Fund, 2025). REFERENCES: 1. National Bank of Ukraine. (2025, July 25). Regulation on open banking in Ukraine . URL: https://bank.gov.ua/ua/news/all/zatverdjeno-polojennya-pro- vidkritiy-banking-v-ukrayini 2. National Bank of Ukraine. (n.d.). BankID system . URL: https://bank.gov.ua/ua/bank-id-nbu 3. National Bank of Ukraine. (2026, February 3). BankID system in 2025: Growing demand and user trust . URL: https://bank.gov.ua/ua/news/all/sistema-bankid- nbu-u-2025-rotsi-zrostaye-popit-ta-dovira-koristuvachiv 4. Ministry of Digital Transformation of Ukraine. (2025, June 11). Government approved requirements for digital wallets in Ukraine . URL: https://thedigital.gov.ua/news/technologies/uryad-ukhvaliv-postanovu-iz- vimogami-do-tsifrovikh-gamantsiv-v-ukraini 5. Ministry of Digital Transformation of Ukraine. (2025, February 10). EU Digital Identity Wallet to be launched by the end of 2026 . URL: https://thedigital.gov.ua/news/technologies/eu-digital-identity-wallet-zapustyat- do-kintsya-2026-roku-komanda-dii-protestuvala-dokumenti 6. Diia. (2025). Over 40 million document sharing operations via Diia . URL: https://diia.gov.ua/news/zamist-kserokopii-i-foto-dokumentiv-40-mln-raziv-