Issues Of Digitalization Of Banking Services In Commercial Banks
Keywords:
digital economy, commercial banks, digitalization, banking services, internet banking, mobile banking, electronic payment systems, fintech, innovation, information technologies.Abstract
This thesis analyzes the essence of the process of digitalization of banking services in commercial banks, its impact on economic efficiency, as well as existing problems and ways to overcome them. The introduction of digital technologies in the banking system serves as an important factor in improving the quality of services, creating convenience for customers, reducing operating costs and ensuring financial stability. The study presents the level of development of digital infrastructure in commercial banks of Uzbekistan, the expansion of Internet and mobile banking services, the importance of electronic payment systems and their comparative analysis with international experience. Also, the main problems encountered in the implementation of digital banking services are studied, such as technological security, human resources capacity and digital literacy of customers. In conclusion, it is emphasized that it is necessary to accelerate the digitalization process in commercial banks, widely introduce innovative solutions, and strengthen cooperation with fintech companies.
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