DIGITAL TRANSFORMATION OF COMMERCIAL BANKS AND INCREASING ECONOMIC EFFICIENCY IN SERVICE AREAS

Authors

  • Турсунов Фаридун Самаркандский институт экономики и сервиса Факультет банковского дела и финансовых услуг Ассистент кафедры банковского дела Author
  • Зубойдуллоева Дамира Самаркандский институт экономики и сервиса Студенты банковского дела и аудита Author
  • Сюнов Азизжон Самаркандский институт экономики и сервиса Студенты банковского дела и аудита Author

Keywords:

Digital transformation, commercial banks, economic efficiency, fintech, mobile banking, service quality, digital products, financial services, remote service.

Abstract

This article comprehensively examines the processes of digital transformation of commercial banks, its impact on service efficiency and its role in increasing economic efficiency. Digital technologies, including artificial intelligence, blockchain and mobile applications, are reshaping banking services, improving customer experience, reducing operating costs and creating new revenue streams. The article provides practical recommendations for further deepening digital strategies in order to increase the competitiveness and ensure sustainable development of commercial banks.

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Published

2025-12-17

Issue

Vol. 1 No. 12 (2025): EH

Section

Articles

How to Cite

DIGITAL TRANSFORMATION OF COMMERCIAL BANKS AND INCREASING ECONOMIC EFFICIENCY IN SERVICE AREAS. (2025). Economic Horizons: Journal of Business, Economics, and Finance, 1(12), 11-17. https://ecomindspress.com/index.php/eh/article/view/241