Abstract:

Digital transformation fundamentally redefines the landscape of the global economy and financial sector, becoming one of the main drivers of growth and change (Lastauskaite & Krusinskas, 2024; Mammadova, 2020; Peng et al., 2025). The introduction of advanced technologies such as artificial intelligence (AI), cloud computing, Internet of Things (IoT), big data analytics, and blockchain technology opens new perspectives in financial process management, influencing cost reduction and customer service improvements (Nwankpa & Merhout, 2020). The development of digital infrastructure not only transforms corporate investment decisions (Wang et al., 2025), but has also significantly transformed the landscape of individual investing, offering easy access to investment processes through various digital platforms (Mammadova, 2020).