INNOVATSION MOLIYAVIY TEXNOLOGIYALAR ASOSIDA TIJORAT BANKLARI RESURSLARINI BOSHQARISHNI TAKOMILLASHTIRISH YO‘LLARI

Аннотация

The banking and financial system plays an important role in the economy of our country. In particular, banking services provided to individuals are essential for improving the population’s welfare and ensuring financial stability. Today, the range of services offered by banks is continuously expanding and enriched with modern technologies. However, issues such as improving service quality and convenience, fully meeting customer needs, and increasing competitiveness remain relevant. This article analyzes the key aspects of improving banking services for individuals, advanced methods based on international experience, opportunities for utilizing information technologies, and ways to create customer convenience. Based on the research results, proposals are developed for diversifying banking services, expanding digital banking, attracting customers, and increasing their trust. Keywords: banking services, individuals, digital banking, financial technologies, customer needs, service quality, banking products, customer engagement, banking system, competitiveness, service types, international experience.