Author: Umarjonov, Kozimjon

Annotation: This article analyzes the prospects for increasing bank income through the digitalization of banking services. It examines the impact of digital transformation on improving operational efficiency, reducing costs, and creating new revenue streams. Based on the example of Uzbekistan’s banking system, positive trends in the implementation of digital services are substantiated with statistical data. The study highlights the importance of mobile banking, internet banking, online lending, and fintech platforms in expanding banking services. At the same time, key challenges such as insufficient infrastructure, cybersecurity risks, and low levels of digital literacy are identified and analyzed.

Keywords: digitalization, banking services, bank income, financial technologies (fintech), operational efficiency, digital banking, cybersecurity, innovative development.

Pages in journal: 413 - 423