Ключевые слова: banking future, blockchain applications, blockchain banking, blockchain cryptography, blockchain decentralization, blockchain digital, blockchain digitalization, blockchain economy, blockchain future, blockchain network, blockchain payment, cryptography, data, decentralized, digital, digital banking, digital finance, digitalization, distributed ledger, economy, efficiency, finance, finance security, financial innovation, financial institutions, financial risk management, financial technology, future, future banking, immutability, innovation, investment, payment solutions, payments, peer to peer, protection, risk, secure, secure blockchain, secure finance, secure transactions, security, services, smart, smart contracts technology, technology, transparency, trust, verification,