Amid the rapid digital transformation of the global economy, the banking system of the Republicof Uzbekistan has entered a phase of intensive modernization, the key features of which include the adoption ofdigital technologies and the growing application of innovative platforms. This article examines the impact of digitalsolutions on enhancing the operational efficiency of commercial banks, expanding access to financial services, andreinforcing the trend toward cashless transactions. The analysis draws upon statistical data from the Central Bankof the Republic of Uzbekistan, which provide insights into the dynamics of payment volumes and transactions,as well as the degree of penetration of mobile banking applications. Particular emphasis is placed on issues ofdigital financial inclusion, the development of P2P payment services, and the role of API integration in shaping thearchitecture of open banking. The findings indicate that digitalization contributes not only to the intensification oftransactional activity and the reduction of costs but also to the creation of an innovative ecosystem that enhances thecompetitiveness of the national banking sector. At the same time, certain challenges persist, including cybersecurityconcerns, uneven access to digital services across regions, and the necessity of refining the regulatory framework.The study underscores that the further development of digital platforms requires a comprehensive approachencompassing the expansion of infrastructural capacities, the strengthening of customer trust, and the advancementof financial literacy among the population.
| Mualliflar | Jumaniyozova , Mukaddas |
|---|---|
| Jurnal | Муҳандислик ва Иқтисодиёт |
| Nashr sanasi | 2026-03-30 |
| Jild | 4 |
| Son | 3 |
| Betlar | 243-246 |
| Til | Ingliz |
digital transformation, banking sector, digital platforms, commercial banks, mobile banking applications, financial inclusion, cashless payments, P2P transfers, API integration, open banking, cybersecurity, fintech, regulatory framework, digital infrastructure, payment systems.
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