Shavkatov Behruz Rustam o‘g‘li Toshkent davlat iqtisodiyot universiteti Bank ishi fakulteti 3-kurs talabasi

Аннотация

This article provides a statistical analysis of the degree of use of online services by commercial banks in the financial operations of agricultural enterprises, their economic efficiency, and the factors that ensure the effective functioning of these services. It examines the level of adoption of digital financial services in Uzbekistan’s agricultural sector, user experiences, and the economic gains achieved through online platforms using statistical methods. Using the SWOT analysis method, the strengths, weaknesses, opportunities, and threats of these services are analyzed, and existing WWW.INFOCOM.UZ “RAQA MLI IQTISODIYOT” ILMIY-ELEKTRON JURNALI | 11-SON 1547 problems and proposed solutions are substantiated. The article concludes with practical recommendations to expand financial inclusion, deepen digitalization in agriculture, and enhance the efficiency of commercial bank services. Keywords: agriculture, commercial banks, online financial services, statistical analysis, economic efficiency, digital transformation, SWOT analysis, financial inclusion, mobile banking, internet banking.