This article examines the impact of Fintech technologies, automation processes, and the human factor on the efficiency of banking services. Based on the case of commercial banks in Uzbekistan, the study analyzes digital transformation processes and compares them with international practices. The findings indicate that Fintech automation, when combined with strong human capital, significantly increases service speed, accuracy, and customer satisfaction. The paper also proposes a “human–technology balance model” as a new conceptual approach to enhancing efficiency in the banking sector.
| Mualliflar | Xushvaqtov , Nodirbek, Хушвактов , Нодирбек, Xushvaqtov , Nodirbek |
|---|---|
| Jurnal | Иқтисодий тараққиёт ва таҳлил |
| Nashr sanasi | 2025-11-28 |
| Jild | 3 |
| Son | 11 |
| Betlar | 279-285 |
| Til | O‘zbek |
| DOI | 10.60078/2992-877x-2025-vol3-iss11-pp279-285 |
DOI: 10.60078/2992-877x-2025-vol3-iss11-pp279-285 · Maqolaning asl sahifasi
fintech, automation, human capital, banking efficiency, digital transformation, innovation, sustainable development, fintech, автоматизация, человеческий фактор, банковские услуги, цифровая трансформация, эффективность, инновации, fintech, avtomatlashtirish, inson omili, bank xizmatlari, raqamli transformatsiya, samaradorlik, innovatsiya
This article analyzes various theoretical foundations and methodological approaches to the efficiency of the modern capital market. The objective reasons for uncertainty in risk assessment and forecasting in the capital…
This article examines the role of private investments in the development of pilgrimage tourism infrastructure in Uzbekistan, assessing their economic impact and the influence of recent reforms on the sector. The study…
Central Asian economies have experienced notable economic restructuring and growing integration into global markets in recent years. This study analyzes the Product Complexity Index (PCI) of Uzbekistan, Kazakhstan…
Nowadays, B2B data pricing models are dominated by the seller side, ignoring buyers’ perspectives. Traditional model results in reduced market efficiency and suboptimal financial outcomes for all stakeholders in the…
This article examines the issues of improving next-generation banking services in the context of economic transformations. The practice of providing next-generation banking services through modern financial technologies…
Against the backdrop of rapid development in the knowledge payment industry and intelligent talent assessment platforms, the challenges of rising customer acquisition costs coupled with low user retention and repurchase…
Special economic zones in Uzbekistan, as an institution of a market economy, occupy a special place in terms of their significant contribution to the development of regions. Currently, special economic zones (SEZs) are…
This article analyzes the methodological foundations for applying Islamic financial instruments in Uzbekistan and proposes key directions for their improvement in line with international standards. A comparative…
This article examines in detail the factors influencing the competitiveness of the higher education system and the theoretical and methodological foundations for enhancing the impact of these factors on national…
This article compares traditional and modern needs for medical services, analyzes innovative trends in the development of the medical services sector, and examines characteristics of traditional and modern trends in…