Digital Transformation as a Driver of the Financial Sector Sustainable Development: An Impact on Financial Inclusion and Operational Efficiency

The increase in studies on how digital transformation based the application of technologies affects sustainable development various sectors economy has been observed. Although is important for financial sector development, drivers and links between them are weakly addressed by researchers. study aimed at exploring due to innovative solutions, especially payments, leading through inclusion operational efficiency. current research presents its a systematic literature review, secondary data analysis, expert interviews provide further directions draw practical suggestions professionals toward future. A analysis performed text analytics, bibliometric network maps acknowledging existing outcomes identifying gaps agenda sector. collected payments’ dynamic EU were analyzed with use statistical methods, including correlation regression analysis. Structured used validate findings highlight key issues Baltic countries. authors have paid special attention sector’s economic dimension efficiency indicators, such as intensity. social limited offering. results indicated recent trends types usage countries ensure institutions. Furthermore, revealed significant intensity during last years EU, well close relationship payments