THE DEVELOPMENT OF DIGITAL BANKING SERVICES AND THEIR EFFECTIVENESS
Abstract
this article scientifically analyzes the development trends of digital banking services, their economic efficiency, and their impact on the activities of commercial banks. The study examines the role of mobile banking, internet banking, remote identification, electronic payment systems, and artificial intelligence-based services in banking operations. Furthermore, the research evaluates indicators such as the reduction of operational costs, acceleration of service delivery, and expansion of customer coverage resulting from digital transformation. The digitalization processes of Uzbekistan’s banking system are comparatively analyzed with international practices, highlighting their importance in improving financial stability and competitiveness of banks. The article concludes with scientific and practical recommendations aimed at enhancing digital banking services and implementing
innovative technologies within the banking sector.
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