THE IMPACT OF FINTECH ON JSCB “INDUSTRIAL AND CONSTRUCTION BANK” OF UZBEKISTAN

Аннотация

This scientific article is devoted to the analysis of the impact of financial technologies (fintech) on banking activities using the example of one of the leading commercial banks of Uzbekistan - JSCB "Uzsanoatqurilishbank". Fintech technologies, which have been developing rapidly in recent years, are creating broad opportunities for banks to automate traditional operations, improve the quality of customer service, reduce costs, and diversify financial products. This article provides a detailed analysis of the implementation of such innovative technologies in JSCB "Uzsanoatqurilishbank" and their effectiveness. The study covers the changes in fintech projects implemented by the bank in 2018–2024, in particular - mobile banking applications, online lending systems, artificial intelligence-based recommendation modules, blockchain technologies, real-time currency conversion, and biometric authentication systems, based on statistical data. The article shows the real impact of digital transformation based on indicators such as the share of digital transactions, the growth of the number of customers, the speed and convenience of services. It also analyzes the problems encountered in the process of fintech implementation, including cybersecurity threats, technical failures, information privacy issues, and solutions developed by the bank to reduce them. Through this example, the author scientifically substantiates the profound impact of fintech technologies on banking activities not only technically, but also economically and socially. This article is of practical and theoretical importance for bank managers, financial specialists, information technology specialists and scientific researchers, and indicates the main directions of the digital transformation process of the banking system of Uzbekistan. Keywords: Fintech, digital banking services, Uzsanoatqurilishbank JSCB, financial technologies, mobile applications, online lending, biometric authentication, artificial intelligence, banking transformation, digitization, customer experience, financial inclusion, banking technologies, cybersecurity, blockchain technology. Annotatsiya. Mazkur ilmiy maqola O‘zbekistonning yetakchi tijorat banklaridan biri — “O‘zsanoatqurilishbank” ATB misolida moliyaviy texnologiyalar (fintech)ning bank faoliyatiga ko‘rsatgan ta’sirini tahlil qilishga bag‘ishlangan. So‘nggi yillarda jadal sur’atlarda rivojlanayotgan fintech texnologiyalari banklar uchun an’anaviy operatsiyalarni avtomatlashtirish, mijozlarga xizmat ko‘rsatish sifatini oshirish, xarajatlarni qisqartirish va moliyaviy mahsulotlarni diversifikatsiya qilishda keng imkoniyatlar yaratmoqda. Ushbu maqolada aynan shunday innovatsion texnologiyalarning “O‘zsanoatqurilishbank” ATBda joriy etilishi va ularning samaradorligi batafsil tahlil etiladi. Tadqiqotda 2018–2024 yillar mobaynida bank tomonidan amalga oshirilgan fintech loyihalari, xususan — mobil bank ilovalari, onlayn kreditlash tizimlari, sun’iy intellekt asosidagi tavsiya modullari, blokcheyn texnologiyalari, real vaqtli valyuta konversiyasi va biometrik autentifikatsiya tizimlari bo‘yicha o‘zgarishlar statistik 2 50 International scientific journal ISSN: 2181-3906 «MODERN SCIENCE АND RESEARCH» 2025 VOLUME 4 / ISSUE 5 / UIF:8.2 / MODERNSCIENCE.UZ ma’lumotlar asosida yoritilgan. Maqolada raqamli tranzaksiyalar ulushi, mijozlar sonining o‘sishi, xizmatlar tezligi va qulayligining oshishi kabi ko‘rsatkichlar asosida raqamli transformatsiyaning real ta’siri ko‘rsatib beriladi. Shuningdek, fintech joriy etilishi jarayonida duch kelinayotgan muammolar, jumladan, kiberxavfsizlik tahdidlari, texnik uzilishlar, axborot maxfiyligi muammolari hamda ularni kamaytirish bo‘yicha bank tomonidan ishlab chiqilgan yechimlar tahlil qilinadi. Muallif ushbu misol orqali fintech texnologiyalarining nafaqat texnik, balki iqtisodiy va ijtimoiy jihatdan ham bank faoliyatiga chuqur ta’sir ko‘rsatishini ilmiy asoslab beradi. Ushbu maqola bank menejerlari, moliya mutaxassislari, axborot texnologiyalari bo‘yicha mutaxassislar va ilmiy tadqiqotchilar uchun amaliy va nazariy ahamiyatga ega bo‘lib, O‘zbekiston bank tizimining raqamli transformatsiya jarayonidagi asosiy yo‘nalishlarini ko‘rsatadi. Kalit so‘zlar: Fintech, digital banking services, Uzsanoatqurilishbank JSCB, financial technologies, mobile applications, online lending, biometric authentication, artificial intelligence, banking transformation, digitization, customer experience, financial inclusion, banking technologies, cybersecurity, blockchain technology. Introduction: One of the most pressing challenges facing the banking system in the 21st century is the implementation of digital transformation in combination with financial technologies (fintech). Against the backdrop of the rapid development of the digital economy, traditional banking services have begun to change their form, becoming faster, more convenient, safer and more customer-oriented. Fintech is a combination of financial servic