The achievements and potential problems of digital and commmercial banks, solutions regarding to this case in the digital economy environment in Uzbekistan

Abdufattokh Ashurakhunov

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Published

2025-10-20

Issue

Vol. 1 No. 3 (2025): ILMIY YANGILIKLAR VA INTELLEKTUAL TADQIQOTLAR

Section

Articles

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This work is licensed under a Creative Commons Attribution 4.0 International License.

How to Cite

Ashurakhunov , A. (2025). The achievements and potential problems of digital and commmercial banks, solutions regarding to this case in the digital economy environment in Uzbekistan. ILMIY YANGILIKLAR VA INTELLEKTUAL TADQIQOTLAR, 1(3), 95–120. Retrieved from https://globalscholars.uz/index.php/iy/article/view/278

The achievements and potential problems of digital and commmercial banks, solutions regarding to this case in the digital economy environment in Uzbekistan

Ashurakhunov

Tashkent State University of Economics Faculty of Finance Direction of Finance and financial technologies Student of MT-93

Keywords: Digital economy, fintech, artificial intelligence (AI), digital banking, blockchain, cybersecurity, TBC Bank, Anorbank, Uzum Bank, Click, Payme, financial technology, investment, innovation, Uzbekistan.

Abstract

This article analyzes the achievements and challenges of Uzbekistan's commercial banks in the context of the digital economy and the growing use of artificial intelligence. It evaluates how digitalization and AI-based systems have enhanced efficiency, accessibility, and innovation in banking operations while also creating new risks related to cybersecurity, data management, and regulatory adaptation. The study discusses examples from leading digital institutions and proposes strategic and policy recommendations to support sustainable, inclusive, and secure digital financial development in Uzbekistan.