Development of Digital Banking in Uzbekistan Over the Past Five Years

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.