This study investigates the feasibility of launching a fully digital bank in Uzbekistan amid a national push forfinancial modernisation and increasing demand for accessible, tech-enabled financial services. Using a qualitativedescriptiveapproach, the research analyses performance indicators from Uzbekistan’s banking sector, benchmarksagainst successful digital banks in peer economies, and evaluates policy reforms, demographic trends, and institutionalagility. Findings reveal a widening gap between traditional banks and digital-native institutions, with the latter demonstratingsuperior profitability, scalability, and customer engagement. Uzbekistan’s favourable demographic structure, characterisedby a large working-age and middle-aged population, and regulatory openness indicate strong potential for digital bankingdevelopment. However, the study also highlights challenges around cybersecurity, infrastructure, and digital trust. Thepaper concludes with policy recommendations and strategic insights for regulators, investors, and entrepreneurs seekingto capitalise on Uzbekistan’s evolving financial landscape.
| Mualliflar | Abdushukurov Dilshodbek Shovkat ugli, Dr Maya Sari SE MM |
|---|---|
| Jurnal | Innovation science and technologiy |
| Nashriyot | Тошкент давлат иқтисодиёт университети |
| Nashr sanasi | 2025-06-25 |
| Jild | 1 |
| Son | 6 |
| Betlar | 102-108 |
| Til | Ingliz |
| Ilmiy soha | Iqtisodiyot |
| DOI | 10.5281/zenodo.17446664 |
| Indeksga qo‘shilgan | 2026-08-26 |
DOI: 10.5281/zenodo.17446664 · Maqolaning asl sahifasi
Digital Banking, Fintech, Institutional Agility, Middle-Aged Consumers, Financial Inclusion, Banking Reform, Cybersecurity, Regulatory Innovation
| APA | Abdushukurov Dilshodbek Shovkat ugli, & Dr Maya Sari SE MM (2025). DIGITAL BANKING: IS IT POSSIBLE TO OPEN A DIGITAL BANK IN UZBEKISTAN. Innovation science and technologiy, 1(6), 102-108. https://doi.org/10.5281/zenodo.17446664 |
|---|---|
| GOST (OAK) | Abdushukurov Dilshodbek Shovkat ugli, Dr Maya Sari SE MM DIGITAL BANKING: IS IT POSSIBLE TO OPEN A DIGITAL BANK IN UZBEKISTAN // Innovation science and technologiy. – 2025. – T. 1, № 6. – P. 102-108. – DOI: 10.5281/zenodo.17446664. |
| MLA | Abdushukurov Dilshodbek Shovkat ugli, and Dr Maya Sari SE MM. “DIGITAL BANKING: IS IT POSSIBLE TO OPEN A DIGITAL BANK IN UZBEKISTAN.” Innovation science and technologiy, 1(6), 102-108, 2025. https://doi.org/10.5281/zenodo.17446664 |
| Chicago | Abdushukurov Dilshodbek Shovkat ugli, and Dr Maya Sari SE MM. “DIGITAL BANKING: IS IT POSSIBLE TO OPEN A DIGITAL BANK IN UZBEKISTAN.” Innovation science and technologiy, 1(6), 102-108 (2025). https://doi.org/10.5281/zenodo.17446664 |
| Harvard | Abdushukurov Dilshodbek Shovkat ugli, and Dr Maya Sari SE MM (2025) ‘DIGITAL BANKING: IS IT POSSIBLE TO OPEN A DIGITAL BANK IN UZBEKISTAN’, Innovation science and technologiy, 1(6), 102-108. https://doi.org/10.5281/zenodo.17446664 |
| BibTeX | @article{abdushukurovdilshodbekshovkatugli2025,
title = {DIGITAL BANKING: IS IT POSSIBLE TO OPEN A DIGITAL BANK IN UZBEKISTAN},
author = {Abdushukurov Dilshodbek Shovkat ugli and Dr Maya Sari SE MM},
journal = {Innovation science and technologiy},
year = {2025},
volume = {1},
number = {6},
pages = {102-108},
doi = {10.5281/zenodo.17446664},
url = {https://doi.org/10.5281/zenodo.17446664}
} |
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