Innovative approaches to ensuring financial stability in commercial banks

Otajanova , Shahnoza

Муҳандислик ва Иқтисодиёт · 2026-yil

Annotatsiya

This article analyzes the potential of using innovative solutions to ensure financial stability in commercial banks.In light of recurring global financial crises, rapid digital transformation, and increasingly stringent international regulatoryrequirements, banks are compelled to adopt new strategic approaches. The study investigates the implementation ofBasel III standards and the integration of artificial intelligence (AI), big data analytics, blockchain technology, and RegTechtools in commercial banking operations. Drawing on both international practices and the experience of Uzbekistan, theresearch evaluates the effectiveness of innovation-driven strategies in strengthening financial stability. The findingsdemonstrate that modern technologies enable early risk detection, process automation, and more efficient managementof capital adequacy and liquidity. Based on this analysis, recommendations are provided to support the development ofinnovation-based financial resilience in the banking sectors of emerging economies

Maqola ma’lumotlari
MualliflarOtajanova , Shahnoza
JurnalМуҳандислик ва Иқтисодиёт
NashriyotПлеханов номидаги Россия иқтисодиёти университетининг Тошкент шаҳридаги филиали
ISSN3060-463X, 3060-463X
Nashr sanasi2026-02-01
Jild4
Son2
TilIngliz
Ilmiy sohaIqtisodiyot
Indeksga qo‘shilgan2026-08-26

Maqolaning asl sahifasi

Kalit so‘zlar

financial stability, commercial banks, innovative solutions, artificial intelligence, blockchain, big data, risk management, Basel III, RegTech, liquidity

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAOtajanova , Shahnoza (2026). INNOVATIVE APPROACHES TO ENSURING FINANCIAL STABILITY IN COMMERCIAL BANKS. Муҳандислик ва Иқтисодиёт, 4(2). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/2110
GOST (OAK)Otajanova , Shahnoza INNOVATIVE APPROACHES TO ENSURING FINANCIAL STABILITY IN COMMERCIAL BANKS // Муҳандислик ва Иқтисодиёт. – 2026. – T. 4, № 2.
MLAOtajanova , Shahnoza. “INNOVATIVE APPROACHES TO ENSURING FINANCIAL STABILITY IN COMMERCIAL BANKS.” Муҳандислик ва Иқтисодиёт, 4(2), 2026. https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/2110
ChicagoOtajanova , Shahnoza. “INNOVATIVE APPROACHES TO ENSURING FINANCIAL STABILITY IN COMMERCIAL BANKS.” Муҳандислик ва Иқтисодиёт, 4(2) (2026). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/2110
HarvardOtajanova , Shahnoza (2026) ‘INNOVATIVE APPROACHES TO ENSURING FINANCIAL STABILITY IN COMMERCIAL BANKS’, Муҳандислик ва Иқтисодиёт, 4(2). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/2110
BibTeX
@article{otajanovashahnoza2026,
  title = {INNOVATIVE APPROACHES TO ENSURING FINANCIAL STABILITY IN COMMERCIAL BANKS},
  author = {Otajanova , Shahnoza},
  journal = {Муҳандислик ва Иқтисодиёт},
  year = {2026},
  volume = {4},
  number = {2},
  url = {https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/2110}
}

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