BANK EKOTIZIMLARINING BANK TIZIMIDAGI O‘RNI VA AHAMIYATI: RIVOJLANGAN MAMLAKATLAR TAJRIBASI VA O‘ZBEKISTON MISOLIDA TAHLILIY YONDASHUV

Аннотация

This article provides a scientific analysis of the role of banking ecosystems in the modern financial system and their impact on economic processes, using the experience of developed countries as a reference point. The study examines how banking ecosystems contribute to the development of integrated customer services, connectivity with digital platforms, reduction in operational costs, and expansion of financial inclusion. It also explores the current state of digital transformation in Uzbekistan’s banking sector, including fintech partnerships, online banking services, and the implementation of ecosystem-based models. Comparative analysis reveals both the achievements and existing challenges of introducing banking ecosystems in the national financial market. The findings show that the development of banking ecosystems significantly enhances efficiency, drives innovation, and supports sustainable economic growth in Uzbekistan. Keywords: Banking ecosystem, banking system, digital transformation, fintech, financial services, innovative platforms, economic efficiency, international experience.