O‘zbekiston Respublikasi aksiyadorlik tijorat Xalq banki Kliring va Tranzit hisob raqamlarini tahlil qilish boshqarmasi Masofaviy xizmatlar kliringlarini muvofiqlashtirish bo‘limi boshlig‘i

Аннотация

This article provides an in-depth analysis of the impact of digital banking services on the banking and financial system of the Republic of Uzbekistan. Using statistical data from 2017 to 2024, the study explores how the adoption of digital tools has improved financial inclusion, enhanced operational efficiency in banks, and expanded the customer base. It discusses mobile banking growth, remote banking services, fintech platforms, and their role in modernizing the national payment system. The paper also addresses key challenges such as cybersecurity threats, digital literacy gaps, and infrastructure limitations. Keywords: digital banking, Uzbekistan banking sector, financial inclusion, mobile banking, fintech, cybersecurity, digital transformation, banking technology, remote banking services.