Digital transformation of the banking sector and financial inclusion in Uzbekistan

Эштемирова, Марифат Акрам кизи, Eshtemirova, Ma'rifat Akram qizi, Eshtemirova, Ma'rifat Akram qizi

Agrobiznes, fan va texnologiyalar · 2026-yil

Annotatsiya

This article investigates how the digital transformation of the banking sector contributes to financial inclusion and economic growth, with particular attention to the experience of Uzbekistan. Drawing on global data from the World Bank's Global Findex Database and recent statistics on Uzbekistan's fintech and digital banking sector, the study shows that account ownership, the use of digital payments, and access to fintech-based credit have expanded rapidly over the past decade, both globally and domestically. The number of fintech companies operating in Uzbekistan grew more than fourfold between 2018 and 2025, remote banking users increased several times over within the same period, and the national Fast Payment System now processes billions of dollars in transactions monthly. The article analyzes the channels through which these developments support broader economic growth — reduced transaction costs, expanded access to credit for micro and small enterprises, and improved regulatory, infrastructural, and behavioral barriers that continue to constrain full financial inclusion. The article concludes with policy recommendations for sustaining Uzbekistan's digital banking transformation.

Maqola ma’lumotlari
MualliflarЭштемирова, Марифат Акрам кизи, Eshtemirova, Ma'rifat Akram qizi, Eshtemirova, Ma'rifat Akram qizi
JurnalAgrobiznes, fan va texnologiyalar
NashriyotТошкент давлат аграр университети
Nashr sanasi2026-07-30
Jild4
Son7
TilIngliz
Ilmiy sohaIqtisodiyot
Indeksga qo‘shilgan2026-08-26

Maqolaning asl sahifasi

Kalit so‘zlar

digital banking, financial inclusion, fintech, economic growth, Global Findex, mobile payments, Uzbekistan, digital economy, Central Bank of the Republic of Uzbekistan, цифровой банкинг, финансовая инклюзия, финтех, экономический рост, Global Findex, мобильные платежи, Узбекистан, цифровая экономика, Центральный банк Республики Узбекистан, raqamli bank xizmatlari, moliyaviy inklyuziya, fintex, iqtisodiy o'sish, Global Findex, mobil to'lovlar, O'zbekiston, raqamli iqtisodiyot, O'zbekiston Respublikasi Markaziy banki

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAЭштемирова, Марифат Акрам кизи, Eshtemirova, Ma'rifat Akram qizi, & Eshtemirova, Ma'rifat Akram qizi (2026). Digital transformation of the banking sector and financial inclusion in Uzbekistan. Agrobiznes, fan va texnologiyalar, 4(7). https://agrobiznesjournal.uz/index.php/ast/article/view/103
GOST (OAK)Эштемирова, Марифат Акрам кизи, Eshtemirova, Ma'rifat Akram qizi, Eshtemirova, Ma'rifat Akram qizi Digital transformation of the banking sector and financial inclusion in Uzbekistan // Agrobiznes, fan va texnologiyalar. – 2026. – T. 4, № 7.
MLAЭштемирова, Марифат Акрам кизи, Eshtemirova, Ma'rifat Akram qizi, and Eshtemirova, Ma'rifat Akram qizi. “Digital transformation of the banking sector and financial inclusion in Uzbekistan.” Agrobiznes, fan va texnologiyalar, 4(7), 2026. https://agrobiznesjournal.uz/index.php/ast/article/view/103
ChicagoЭштемирова, Марифат Акрам кизи, Eshtemirova, Ma'rifat Akram qizi, and Eshtemirova, Ma'rifat Akram qizi. “Digital transformation of the banking sector and financial inclusion in Uzbekistan.” Agrobiznes, fan va texnologiyalar, 4(7) (2026). https://agrobiznesjournal.uz/index.php/ast/article/view/103
HarvardЭштемирова, Марифат Акрам кизи, Eshtemirova, Ma'rifat Akram qizi, and Eshtemirova, Ma'rifat Akram qizi (2026) ‘Digital transformation of the banking sector and financial inclusion in Uzbekistan’, Agrobiznes, fan va texnologiyalar, 4(7). https://agrobiznesjournal.uz/index.php/ast/article/view/103
BibTeX
@article{article2026,
  title = {Digital transformation of the banking sector and financial inclusion in Uzbekistan},
  author = {Эштемирова, Марифат Акрам кизи and Eshtemirova, Ma'rifat Akram qizi and Eshtemirova, Ma'rifat Akram qizi},
  journal = {Agrobiznes, fan va texnologiyalar},
  year = {2026},
  volume = {4},
  number = {7},
  url = {https://agrobiznesjournal.uz/index.php/ast/article/view/103}
}

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