Vol. 1 No. 2 (2026), Articles
Vol. 1 No. 2 (2026)

Development of Digital Banking in Uzbekistan Over the Past Five Years

Articles
Published 2026-02-12
Akbarov Sherali
Tashkent State University of Economics Assistant of the Department of General Economic Disciplines
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Keywords

digital banking, fintech, electronic payments, mobile banking, financial technologies, digital transformation, cashless payments, financial inclusion, regulatory framework, banking sector of Uzbekistan.

How to Cite

Sherali , A. (2026). Development of Digital Banking in Uzbekistan Over the Past Five Years. INTERNATIONAL MULTIDISCIPLINARY SCIENCE CONFERENCE, 1(2), 128-131. https://doi.org/10.5281/zenodo.18622280
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Abstract

This article provides a comprehensive analysis of the development of digital banking in the Republic of Uzbekistan during the period from 2019 to 2024. The study covers the key stages of digital transformation in the banking sector, including regulatory and legal reforms, the implementation of innovative technologies, and changes in consumer behavior. The research findings may be used by regulatory authorities, commercial banks, and FinTech companies to develop strategies for advancing digital financial services.

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References

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2. Центральный банк Республики Узбекистан. (2021). Концепция развития цифрового банкинга в Республике Узбекистан на 2021-2023 годы. Ташкент: ЦБ РУз.

3. Министерство цифровых технологий Республики Узбекистан. (2023). Отчет о развитии IT-сектора и цифровизации в Узбекистане. Ташкент.

4. Государственный комитет по статистике Республики Узбекистан. (2024). Цифровая экономика Узбекистана: статистический сборник. Ташкент.

5. Всемирный банк. (2023). Uzbekistan Digital Economy Assessment. Washington, DC: World Bank Group.

6. Азиатский банк развития. (2022). Promoting Digital Finance in Central Asia. Manila: Asian Development Bank.

7. PwC Uzbekistan. (2024). FinTech and Digital Banking Survey 2024: Uzbekistan Perspective. Ташкент: PwC.