Improving the mechanisms for assessing interbank competition in the digital banking services market

Karimov , Odiljon

Муҳандислик ва Иқтисодиёт · 2026-yil

Annotatsiya

This study examines interbank competition in Uzbekistan under the expansion of digital bankingservices. The analysis uses the Herfindahl–Hirschman Index, the Lerner Index, the Net Interest Margin, andeconometric methods based on quarterly data for 2018–2024. The results show a gradual decline in marketconcentration and banks’ pricing power, while digital-service growth is associated with stronger competition. Thestudy proposes the Integrated Interbank Competition Assessment Mechanism (IBKBM-2026), which combinesdigital transaction share, diversification, management linkages, and optimal growth indicators. Its practicalapplication at “Business Development Bank” JSC showed improvements in customer activity, digital-servicemarket share, loan quality, and deposit growth. The findings may support more comprehensive assessment ofcompetition in the digital banking sector

Maqola ma’lumotlari
MualliflarKarimov , Odiljon
JurnalМуҳандислик ва Иқтисодиёт
NashriyotПлеханов номидаги Россия иқтисодиёти университетининг Тошкент шаҳридаги филиали
ISSN3060-463X, 3060-463X
Nashr sanasi2026-03-30
Jild4
Son3
Betlar265-268
TilIngliz
Ilmiy sohaIqtisodiyot
Indeksga qo‘shilgan2026-08-26

Maqolaning asl sahifasi

Kalit so‘zlar

interbank competition, digital banking, fintech, market concentration, HHI, Lerner Index, IBKBM-2026.

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAKarimov , Odiljon (2026). IMPROVING THE MECHANISMS FOR ASSESSING INTERBANK COMPETITION IN THE DIGITAL BANKING SERVICES MARKET. Муҳандислик ва Иқтисодиёт, 4(3), 265-268. https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/3727
GOST (OAK)Karimov , Odiljon IMPROVING THE MECHANISMS FOR ASSESSING INTERBANK COMPETITION IN THE DIGITAL BANKING SERVICES MARKET // Муҳандислик ва Иқтисодиёт. – 2026. – T. 4, № 3. – P. 265-268.
MLAKarimov , Odiljon. “IMPROVING THE MECHANISMS FOR ASSESSING INTERBANK COMPETITION IN THE DIGITAL BANKING SERVICES MARKET.” Муҳандислик ва Иқтисодиёт, 4(3), 265-268, 2026. https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/3727
ChicagoKarimov , Odiljon. “IMPROVING THE MECHANISMS FOR ASSESSING INTERBANK COMPETITION IN THE DIGITAL BANKING SERVICES MARKET.” Муҳандислик ва Иқтисодиёт, 4(3), 265-268 (2026). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/3727
HarvardKarimov , Odiljon (2026) ‘IMPROVING THE MECHANISMS FOR ASSESSING INTERBANK COMPETITION IN THE DIGITAL BANKING SERVICES MARKET’, Муҳандислик ва Иқтисодиёт, 4(3), 265-268. https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/3727
BibTeX
@article{karimovodiljon2026,
  title = {IMPROVING THE MECHANISMS FOR ASSESSING INTERBANK COMPETITION IN THE DIGITAL BANKING SERVICES MARKET},
  author = {Karimov , Odiljon},
  journal = {Муҳандислик ва Иқтисодиёт},
  year = {2026},
  volume = {4},
  number = {3},
  pages = {265-268},
  url = {https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/3727}
}

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