This article examines the impact of digital banking services on financial efficiency and analyzes the experience of the United States, the European Union, South Korea, Singapore, and China. The findings indicate that the wider adoption of digital services reduces operational costs, expands customer coverage, accelerates transaction processing, and enhances banks' competitiveness. Based on international experience, practical recommendations are proposed for developing digital banking services, strengthening security, and expanding cooperation with the fintech sector in Uzbekistan.
| Mualliflar | Сайиткулов, Джахонгир, Sayitqulov, Jahongir, Sayitqulov, Jahongir |
|---|---|
| Jurnal | Agrobiznes, fan va texnologiyalar |
| Nashr sanasi | 2026-03-31 |
| Jild | 4 |
| Son | 3 |
| Til | O‘zbek |
fintech ecosystem, digital transformation, online payment systems, mobile banking applications, artificial intelligence, blockchain technologies, international experience, banking security, operational costs, competitiveness, banking system of Uzbekistan, financial efficiency, финтех-экосистема, цифровая трансформация, онлайн-платёжные системы, мобильные банковские приложения, искусственный интеллект, блокчейн-технологии, международный опыт, банковская безопасность, операционные расходы, конкурентоспособность, банковская система Узбекистана, финансовая эффективность, fintech ekotizimi, raqamli transformatsiya, onlayn to‘lov tizimlari, mobil bank ilovalari, sun’iy intellekt, blokcheyn texnologiyasi, xalqaro tajriba, bank xavfsizligi, operatsion xarajatlar, raqobatbardoshlik, O‘zbekiston bank tizimi, moliyaviy samaradorlik
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