This article analyzes in depth the innovative development factors of banking and auditing systems within the national economy. In recent years, the digital transformation of the financial and banking sector has accelerated, significantly increasing the role of modern technologies in providing banking services, conducting audit control, and ensuring financial security. The paper scientifically examines the application of innovative approaches in organizing effective banking operations, digitalizing internal and external audit systems, and implementing technologies such as artificial intelligence, big data, and blockchain within the banking sector. Moreover, the study highlights the strategic role of the banking system in maintaining the stability of the national economy and the importance of audit control in strengthening transparency. The results of the research serve as an important theoretical and practical foundation for developing and implementing innovation-driven strategies in financial institutions.

National economy, banking, audit system, innovative development, digital transformation, financial stability, artificial intelligence, blockchain, big data, digital audit, financial market.

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