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Digital banking software is becoming increasingly important in the financial sector, as it enables customers to receive services more conveniently and efficiently. The two key areas driving the future of digital banking are the expansion of mobile banking and the integration of the Internet of Things (IoT). Mobile devices are becoming an essential tool for processing financial transactions, while IoT is used to improve customer service by connecting financial institutions with various devices. AI is also becoming a crucial factor in the efficiency and competitiveness of banks, as it is used to automate routine operations, analyze big data, and predict risks and trends.