O„ZBEKISTON TIJORAT BANKLARIDA RAQAMLI BANK XIZMATLARINI JORIY ETISHNI RIVOJLANTIRISH YO„LLARI
Keywords:
commercial banks of Uzbekistan, digital banking services, digital transformation, remote banking services, mobile banking, internet banking, banking services market, banking strategy, financial technologies (FinTech), customer-oriented services, banking efficiency, interest and non-interest income.Abstract
this article analyzes the issues of implementing and developing digital
banking services in commercial banks of Uzbekistan in the context of digital
transformation. In particular, it examines the opportunities to expand remote banking
services, mobile and internet banking based on modern digital technologies, improve the
quality of customer-oriented digital services, and enhance the operational efficiency of
banking activities. In addition, the article highlights organizational, technological, and
regulatory challenges arising in the process of implementing digital banking services, their
causes, as well as the author‟s approaches and practical recommendations for addressing
these challenges. Special attention is paid to increasing the competitiveness of commercial
banks, ensuring financial stability, and achieving innovative development in the banking
services market through the advancement of digital banking services.
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Toshkent 2025
