Directions for the development of digital transformation in the banking system of Uzbekistan and the institutional significance of banks with foreign capital

Nabiyev , Saidakhrorkhon, Набиев , Саидахрорхон, Nabiyev , Saidaxrorxon

Илғор иқтисодиёт ва педагогик технологиялар · 2026-yil

Annotatsiya

This article investigates the development of digital transformation in Uzbekistan’s banking system and the potential institutional contribution of banks with foreign capital participation to technological modernization. The study aims to assess the digitalization of banking services, examine key financial indicators, and identify the conditions under which foreign capital may support digital development. Systemic analysis, comparative assessment, statistical grouping, and logical generalization are employed. Publicly available information from the Central Bank of Uzbekistan and the World Bank is used to examine banking assets, loans, deposits, and digital financing services. The findings indicate that remote banking, electronic payments, digital lending, and electronic factoring are expanding opportunities to access financial services. At the same time, cybersecurity, data quality, digital inequality, and technology integration costs remain important constraints. Banks with foreign capital participation may facilitate the adoption of international expertise, technological investment, and improved corporate governance. However, the actual outcomes depend not on ownership structure alone, but also on investment priorities, management quality, and adaptation to domestic market conditions. The article proposes measures to improve the assessment of digital banking performance and the effectiveness of technological investment

Maqola ma’lumotlari
MualliflarNabiyev , Saidakhrorkhon, Набиев , Саидахрорхон, Nabiyev , Saidaxrorxon
JurnalИлғор иқтисодиёт ва педагогик технологиялар
NashriyotТошкент давлат иқтисодиёт университети ҳузуридаги «Ўзбекистон иқтисодиётини ривожлантиришнинг илмий асослари ва муаммолари» илмий-тадқиқот маркази
ISSN3060-4842
Nashr sanasi2026-10-27
Jild3
Son5
Betlar536-545
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.60078/3060-4842-2026-vol3-iss5-pp536-545
Indeksga qo‘shilgan2026-10-28

DOI: 10.60078/3060-4842-2026-vol3-iss5-pp536-545 · Maqolaning asl sahifasi

Kalit so‘zlar

banking system, digital transformation, foreign capital, digital banking services, financial technologies, electronic payments, electronic factoring, cybersecurity, financial inclusion, institutional development, банковская система, цифровая трансформация, иностранный капитал, цифровые банковские услуги, финансовые технологии, электронные платежи, электронный факторинг, кибербезопасность, финансовая инклюзия, институциональное развитие, bank tizimi, raqamli transformatsiya, xorijiy kapital, raqamli bank xizmatlari, moliyaviy texnologiyalar, elektron to‘lovlar, elektron faktoring, kiberxavfsizlik, moliyaviy inklyuziya, institutsional rivojlanish

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APANabiyev , Saidakhrorkhon, Набиев , Саидахрорхон, & Nabiyev , Saidaxrorxon (2026). DIRECTIONS FOR THE DEVELOPMENT OF DIGITAL TRANSFORMATION IN THE BANKING SYSTEM OF UZBEKISTAN AND THE INSTITUTIONAL SIGNIFICANCE OF BANKS WITH FOREIGN CAPITAL. Илғор иқтисодиёт ва педагогик технологиялар, 3(5), 536-545. https://doi.org/10.60078/3060-4842-2026-vol3-iss5-pp536-545
GOST (OAK)Nabiyev , Saidakhrorkhon, Набиев , Саидахрорхон, Nabiyev , Saidaxrorxon DIRECTIONS FOR THE DEVELOPMENT OF DIGITAL TRANSFORMATION IN THE BANKING SYSTEM OF UZBEKISTAN AND THE INSTITUTIONAL SIGNIFICANCE OF BANKS WITH FOREIGN CAPITAL // Илғор иқтисодиёт ва педагогик технологиялар. – 2026. – T. 3, № 5. – P. 536-545. – DOI: 10.60078/3060-4842-2026-vol3-iss5-pp536-545.
MLANabiyev , Saidakhrorkhon, Набиев , Саидахрорхон, and Nabiyev , Saidaxrorxon. “DIRECTIONS FOR THE DEVELOPMENT OF DIGITAL TRANSFORMATION IN THE BANKING SYSTEM OF UZBEKISTAN AND THE INSTITUTIONAL SIGNIFICANCE OF BANKS WITH FOREIGN CAPITAL.” Илғор иқтисодиёт ва педагогик технологиялар, 3(5), 536-545, 2026. https://doi.org/10.60078/3060-4842-2026-vol3-iss5-pp536-545
ChicagoNabiyev , Saidakhrorkhon, Набиев , Саидахрорхон, and Nabiyev , Saidaxrorxon. “DIRECTIONS FOR THE DEVELOPMENT OF DIGITAL TRANSFORMATION IN THE BANKING SYSTEM OF UZBEKISTAN AND THE INSTITUTIONAL SIGNIFICANCE OF BANKS WITH FOREIGN CAPITAL.” Илғор иқтисодиёт ва педагогик технологиялар, 3(5), 536-545 (2026). https://doi.org/10.60078/3060-4842-2026-vol3-iss5-pp536-545
HarvardNabiyev , Saidakhrorkhon, Набиев , Саидахрорхон, and Nabiyev , Saidaxrorxon (2026) ‘DIRECTIONS FOR THE DEVELOPMENT OF DIGITAL TRANSFORMATION IN THE BANKING SYSTEM OF UZBEKISTAN AND THE INSTITUTIONAL SIGNIFICANCE OF BANKS WITH FOREIGN CAPITAL’, Илғор иқтисодиёт ва педагогик технологиялар, 3(5), 536-545. https://doi.org/10.60078/3060-4842-2026-vol3-iss5-pp536-545
BibTeX
@article{nabiyevsaidakhrorkhon2026,
  title = {DIRECTIONS FOR THE DEVELOPMENT OF DIGITAL TRANSFORMATION IN THE BANKING SYSTEM OF UZBEKISTAN AND THE INSTITUTIONAL SIGNIFICANCE OF BANKS WITH FOREIGN CAPITAL},
  author = {Nabiyev , Saidakhrorkhon and Набиев , Саидахрорхон and Nabiyev , Saidaxrorxon},
  journal = {Илғор иқтисодиёт ва педагогик технологиялар},
  year = {2026},
  volume = {3},
  number = {5},
  pages = {536-545},
  doi = {10.60078/3060-4842-2026-vol3-iss5-pp536-545},
  url = {https://doi.org/10.60078/3060-4842-2026-vol3-iss5-pp536-545}
}

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