Financial Integration Through Digital Banking Services and Web Platforms
Keywords:
digital banking services, web platforms, financial integration, mobile banking, cybersecurity, fintech, Hamkorbank, KapitalbankAbstract
This article analyzes the significance of financial integration through digital banking services and web platforms. The rapid digitalization of the modern banking system enhances efficiency by offering convenience to customers, expediting transactions, and automating various banking operations. Digital banking plays a crucial role in optimizing financial services, improving accessibility, and fostering economic growth. The study explores the development of mobile banking, electronic payment systems, fintech innovations, and artificial intelligence-based financial tools. These technologies enhance the banking sector by streamlining services, reducing operational costs, and improving customer experiences. Additionally, key aspects such as cybersecurity, customer trust in technology, and digital literacy are discussed to highlight the challenges and solutions in the adoption of digital banking. The results indicate that the digitalization of the banking system significantly enhances financial service accessibility, optimizes commercial banking operations, and strengthens economic integration. Furthermore, the study suggests that continued development of digital banking, deeper integration with fintech companies, and the implementation of stronger security mechanisms will further improve the efficiency and reliability of banking services. As digital banking continues to evolve, it will play a key role in shaping the future of financial transactions and global economic connectivity.
References
[1]. S. B. Atajonova and X. M. Ostanaqulov, “Raqamli iqtisodiyotning rivojlanishida axborot texnologiyalarining transformatsion ta’siri,” Andijon Mashinasozlik Instituti, pp. 383–389, 2024.
[2]. O. M. Melikov, “Raqamli bank xizmatlarini yanada takomillashtirish: muammolar va yechimlar,” Denov Tadbirkorlik va Pedagogika Instituti, pp. 227–231, 2024.
[3]. [3] R. R. Tojiyev and T. S. Rahmatov, “Zamonaviy sharoitda bank xizmatlar bozorining nazariy jihatlari,” Iqtisodiyot va innovatsion texnologiyalar ilmiy elektron jurnali, no. 6, pp. –, Nov.–Dec. 2020.
[4]. Z. T. Mamadiyarov, Tijorat banklarida masofaviy bank xizmatlarini rivojlantirish. Avtorefarat, 2019, p. 13.
[5]. Z. T. Mamadiyarov, “Raqamli pullar va raqamli bank xizmatlari bilan bog‘liq risklar hamda ularni boshqarish,” Toshkent davlat iqtisodiyot universiteti, pp. 143–154, 2024.
[6]. B. N. Kamolov, “O‘zbekiston Respublikasida raqamli banklarning istiqbollari,” Toshkent moliya instituti, pp. 1–3.
[7]. M. K. Avezov, “Raqamli bank xizmatlari va uning afzalliklari,” Urganch Davlat Universiteti, pp. 808–813, 2022.
[8]. A. Ibodov and A. Sherov, “Analysis of bank risks in Uzbekistan,” Scientific enquiry in the contemporary world: theoretical basics and innovative approach, vol. 1, pp. 60–63, 2015.
[9]. Y. O. Shamsiyeva, “Bank sektoridagi raqamli transformatsiyani takomillashtirish,” Oʻzbekiston Respublikasi Prezidenti huzuridagi Davlat boshqaruv akademiyasi, pp. 497–500, 2024.
[10]. G. S. Narzullayeva and B. B. Samatov, “Raqamli banklar va ularning afzalliklari,” Buxoro davlat universiteti, pp. 25–31, 2024.
[11]. B. S. Axsarov, Iqtisodiyotda axborot texnologiyalari. Toshkent: 2018.
[12]. T. Zalan and E. Toufaily, "The Promise of Fintech in Emerging Markets: Not as Disruptive," Contemporary Economics, vol. 11, no. 4, pp. 415–430, 2017, doi: 10.5709/ce.1897-9254.254.
[13]. P. K. Ozili, "Impact of digital finance on financial inclusion and stability," Borsa Istanbul Review, vol. 18, no. 4, pp. 329–340, Dec. 2018, doi: 10.1016/j.bir.2017.12.003.
[14]. P. Gomber, R. J. Kauffman, C. Parker, and B. W. Weber, "On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services," Journal of Management Information Systems, vol. 35, no. 1, pp. 220–265, 2018, doi: 10.1080/07421222.2018.1440766.
[15]. World Bank, "Digital Financial Services," World Bank Group, 2020. [Online]. Available: https://www.worldbank.org/en/topic/financialinclusion/brief/digital-financial-services
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Ostanaqulov Xojiakbar Mansurqul o‘g‘li
This work is licensed under a Creative Commons Attribution 4.0 International License.
