MODERN LEVELS OF INNOVATIVE DIGITAL BANKING SERVICES IN COMMERCIAL BANKS

Authors

  • D. M. Kallibekov

DOI:

https://doi.org/10.5281/zenodo.21832733

Abstract

The theoretical and practical aspects of developing innovative banking services in the context
of the digital economy are examined. The impact of digital technologies, artificial intelligence, fintech solutions,
mobile banking, and remote banking services on improving banking efficiency and enhancing customer
service quality is analyzed. The key factors influencing the development of innovative banking services are
identified, and scientifically grounded recommendations aimed at strengthening the digital transformation and
competitiveness of the banking sector are proposed

Keywords

digital economy, innovative banking services, digital banking, fintech, artificial intelligence, mobile banking, remote banking services, digital transformation

Author Biography

D. M. Kallibekov

Independent Researcher at the Higher School of
Business and Entrepreneurship under the Cabinet of
Ministers of the Republic of Uzbekistan

References

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4. Bank for International Settlements. Annual Economic Report 2024. Basel : BIS, 2024.

5. World Bank. Digital Financial Services. Washington, DC : World Bank, 2022.

6. International Monetary Fund. Fintech Notes: Digital Banking and Financial Stability. Washington, DC : IMF,

7. Organisation for Economic Co-operation and Development. OECD Digital Economy Outlook 2023. Paris :

8. OECD Publishing, 2023.

9. European Central Bank. Financial Stability Review. Frankfurt am Main : European Central Bank, 2024.

10. Asian Development Bank. Accelerating Digital Transformation in Banking and Finance. Manila : Asian

11. Development Bank, 2022.

12. World Economic Forum. The Future of Global FinTech: Towards Resilient and Inclusive Growth. Geneva :

13. World Economic Forum, 2023.

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Published

2026-08-01

How to Cite

D. M. Kallibekov. (2026). MODERN LEVELS OF INNOVATIVE DIGITAL BANKING SERVICES IN COMMERCIAL BANKS. ECONOSCITECH INTEGRATION, 3(8), 60–63. https://doi.org/10.5281/zenodo.21832733
Vol. 3 No. 8 (2026): Social, economic, scientific and technical academic journal