INNOVATIVE APPROACHES TO ENSURING FINANCIAL STABILITY IN COMMERCIAL BANKS

This article analyzes the potential of using innovative solutions to ensure financial stability in commercial banks.In light of recurring global financial crises, rapid digital transformation, and increasingly stringent international regulatoryrequirements, banks are compelled to adopt new strategic approaches. The study investigates the implementation ofBasel III standards and the integration of artificial intelligence (AI), big data analytics, blockchain technology, and RegTechtools in commercial banking operations. Drawing on both international practices and the experience of Uzbekistan, theresearch evaluates the effectiveness of innovation-driven strategies in strengthening financial stability. The findingsdemonstrate that modern technologies enable early risk detection, process automation, and more efficient managementof capital adequacy and liquidity. Based on this analysis, recommendations are provided to support the development ofinnovation-based financial resilience in the banking sectors of emerging economies