This article examines the issues of digital transformation of business models in commercial banks ofUzbekistan. The evolutionary stages of global banking practice from Bank 1.0 to Bank 4.0, the theoretical foundations ofthe business model concept, the current state of Uzbekistan’s banking system, and the key barriers to transformation areanalyzed. Based on the research findings, scientific proposals and practical recommendations have been developed forimproving the business models of commercial banks
| Mualliflar | O.O. Khudayarov |
|---|---|
| Jurnal | Innovation science and technologiy |
| Nashriyot | Тошкент давлат иқтисодиёт университети |
| Nashr sanasi | 2026-05-01 |
| Jild | 2 |
| Son | 5 |
| Til | Ingliz |
| Ilmiy soha | Iqtisodiyot |
| DOI | 10.5281/zenodo.20701275 |
| Indeksga qo‘shilgan | 2026-08-26 |
DOI: 10.5281/zenodo.20701275 · Maqolaning asl sahifasi
commercial bank, business model, digital transformation, Bank 4.0, fintech, open banking, platform economy, Uzbekistan banking system.
| APA | O.O. Khudayarov (2026). IMPROVING THE DIGITAL TRANSFORMATION OF COMMERCIAL BANK BUSINESS MODELS: THEORY AND PRACTICE. Innovation science and technologiy, 2(5). https://doi.org/10.5281/zenodo.20701275 |
|---|---|
| GOST (OAK) | O.O. Khudayarov IMPROVING THE DIGITAL TRANSFORMATION OF COMMERCIAL BANK BUSINESS MODELS: THEORY AND PRACTICE // Innovation science and technologiy. – 2026. – T. 2, № 5. – DOI: 10.5281/zenodo.20701275. |
| MLA | O.O. Khudayarov. “IMPROVING THE DIGITAL TRANSFORMATION OF COMMERCIAL BANK BUSINESS MODELS: THEORY AND PRACTICE.” Innovation science and technologiy, 2(5), 2026. https://doi.org/10.5281/zenodo.20701275 |
| Chicago | O.O. Khudayarov. “IMPROVING THE DIGITAL TRANSFORMATION OF COMMERCIAL BANK BUSINESS MODELS: THEORY AND PRACTICE.” Innovation science and technologiy, 2(5) (2026). https://doi.org/10.5281/zenodo.20701275 |
| Harvard | O.O. Khudayarov (2026) ‘IMPROVING THE DIGITAL TRANSFORMATION OF COMMERCIAL BANK BUSINESS MODELS: THEORY AND PRACTICE’, Innovation science and technologiy, 2(5). https://doi.org/10.5281/zenodo.20701275 |
| BibTeX | @article{ookhudayarov2026,
title = {IMPROVING THE DIGITAL TRANSFORMATION OF COMMERCIAL BANK BUSINESS MODELS: THEORY AND PRACTICE},
author = {O.O. Khudayarov},
journal = {Innovation science and technologiy},
year = {2026},
volume = {2},
number = {5},
doi = {10.5281/zenodo.20701275},
url = {https://doi.org/10.5281/zenodo.20701275}
} |
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