This article analyses the use of electronic money in Uzbekistan, as well as the factors influencing its development and the existing challenGES. Although the adoption of electronic payment instruments has significantly increased in recent years due to the growth of the digital economy, several constraints—including insufficient infrastructure, low digital literacy, and limited trust in the banking system—have been identified as slowing down this process. The study provides a comparative analysis of the experiences of Uzbekistan, Turkey, and Kazakhstan, and presents statistical data on chanGES in total bank deposits, the share of electronic money, and term deposits from 2017 to 2024. The findings indicate that despite the rise in the use of electronic money, its share within total bank funds has decreased. These trends are shown to be closely related to the development of digital infrastructure, security systems, digital literacy, and government regulatory policies. The author emphasizes the need to expand infrastructure, strengthen security measures, improve digital literacy, and enhance the legal framework to further promote the development of the electronic money market

This article examines the structure of resource bases and capital adequacy mechanisms in major international commercial banks, with a focus on JPMorgan Chase and Wells Fargo. The analysis reveals that deposits remain the primary source of funding, while long-term liabilities and shareholder equity play a crucial role in ensuring financial stability. The Basel Committee’s capital adequacy standards serve as an essential benchmark, enhancing banks’ capacity to absorb risks. The findings are of practical relevance for Uzbekistan’s banking sector in terms of diversifying resource bases, optimizing capital structure, and strengthening liquidity management.

This study analyses historical data (2000–2024) to forecast Uzpromstroybank’s deposit base and total resource trends using simple OLS regression models. A linear time-trend model is estimated for both series to capture long-run growth. The regression results show strong, significant upward trends (high R², statistically significant coefficients) for deposits and resources, indicating robust growth. Forecasts generated by extrapolating these trends suggest continued expansion of the bank’s deposits and resources in the short term. The findings are relevant for bank management and policymakers, as they highlight the trajectory of funding sources in Uzbekistan’s banking sector. Limitations include the simplicity of the linear model and potential structural changes, nonetheless, the results provide a baseline projection and underline the importance of improving deposit mobilization and financial sector reforms.

This article analyzes the reforms being implemented in the banking system of Uzbekistan, strategies for ensuring financial stability and attracting resources. It is shown that the country's economic stability should be increased through modernization of the banking system, new financial instruments and innovative approaches. The article discusses the main problems of the banking system of Uzbekistan, modern methods for their elimination, as well as opportunities for attracting resources based on international experience and their significance for the country's economy. At the same time, it recommends ways to increase the efficiency of banks and financial institutions through reforms and have a positive impact on the state economy.