The rapid expansion of digital banking services has transformed the financial sector; however, their developmentwithin established banking institutions remains uneven and often encounters significant obstacles. This study examinesthe underlying factors that hinder the development of digital banking services in incumbent banks and systematizesthese factors through a structured taxonomy of barriers and their interdependencies. The research employs a qualitative,document-based approach, synthesizing findings from peer-reviewed studies published during 2017–2026, recentindustry reports, and secondary statistical data. Particular attention is given to the conditions of emerging economies tobroaden the analytical perspective beyond high-income financial systems. The findings identify six major categories ofbarriers: technological and infrastructural, organizational and managerial, data and analytical, security and fraud-related,regulatory and external, and customer and social barriers. The analysis demonstrates that these categories are closelyinterconnected rather than independent. Legacy core banking systems function as a primary constraint, limiting technologicalintegration, reducing data quality, weakening fraud-response capabilities, and ultimately restricting customeradoption. As a result, a self-reinforcing cycle emerges in which superficial improvements fail to generate sustainablestructural transformation. The findings suggest that many commonly observed shortcomings in digital banking developmentoriginate from a limited number of root causes rather than isolated technical deficiencies. Therefore, effective digitaltransformation requires a properly sequenced strategy instead of fragmented and parallel investments. The study contributesa diagnostic taxonomy and an interdependency framework that can assist banks and regulators in distinguishing rootcauses from symptoms and in setting strategic priorities for digital banking development.
| Mualliflar | Umurzoqova , Adiba |
|---|---|
| Jurnal | Муҳандислик ва Иқтисодиёт |
| Nashr sanasi | 2026-06-01 |
| Jild | 4 |
| Son | 6 |
| Til | Ingliz |
digital banking, barriers to development, legacy systems, cybersecurity, data governance, financial inclusion, risk management.
Ushbu maqolada raqamli va yashil transformatsiya sharoitida oziq-ovqat sanoati korxonalarini boshqarishningiqtisodiy mexanizmini takomillashtirish masalalari ilmiy jihatdan tahlil qilingan. Industry 4.0 paradigmasi…
Mazkur maqolada tijorat banklari faoliyatini transformatsiya qilish va raqamli texnologiyalarni joriy etish jarayonlariningzamonaviy tendensiyalari tahlil qilingan. Xususan, bank tizimida makroprudensial nazoratning…
Mazkur maqolada bojxona hududida qayta ishlash rejimida tovarlar harakatini boshqarishning zamonaviyiqtisodiy mexanizmlari tahlil qilingan. Tovarlarning bojxona nazorati ostida qayta ishlanishi jarayonida iqtisodiy…
Savdo korxonalarida boshqaruv tizimi samaradorligini oshirish mahsulotlarni o‘z vaqtida va sifatli yetkazibberish, mijozlar ehtiyojlariga moslashuvchan yondashuvni shakllantirish, ichki jarayonlarni optimallashtirish…
Ushbu maqolada mahalliy budjet daromadlarini shakllantirishda iqtisodiy shaffoflikning o‘rni hamda soliqma’murchiligini takomillashtirishning istiqbolli yo‘llari tahlil qilingan. Mahalliy budjetlar davlat moliya…
Mazkur maqolada aksiyadorlik jamiyatlarida moliyaviy investitsiyalar samaradorligini oshirishning nazariy-uslubiy vaamaliy jihatlari yoritilgan. Tadqiqotda moliyaviy investitsiyalarni shakllantirish, ularni optimal…
В работе рассмотрены особенности механической обработки алюминиевых сплавов и основныепроблемы, возникающие в процессе резания. Особое внимание уделено износу режущего инструмента, которыйусиливается из-за налипания…
Ushbu maqolada “yashil” iqtisodiyot sharoitida to‘qimachilik korxonalarining resurs salohiyatini boshqarishsamaradorligini oshirishda innovatsion texnologiyalardan foydalanishning ahamiyati ko‘rib chiqiladi
Исследован организационно-экономический механизм привлечения частных инвестиций вэлектроэнергетический сектор Узбекистана в период системных реформ 2019–2024 гг. Все количественныеданные основаны на верифицированных…
Финансовая устойчивость рассматривается как ключевой фактор обеспечения конкурентоспособностибанковской системы Республики Узбекистан. Проанализированы основные показатели финансовой устойчивостикоммерческих банков…