This article presents an analysis of scientific and theoretical approaches aimed at the introduction of international transformation processes, highlights strategic trends in the economic and technological environment of international transformation processes in the activities of commercial banks of the Republic of Uzbekistan. Justification of the expediency to ensure transformation in the form of transactions and transactions aimed at meeting the customer's need for banking services and charging fees based on digital technologies.
The article discusses the general characteristics of “banking products” and “banking services”, their specific features, as well as the introduction of new banking products and services.
In the research article we forecast the efficiency of remote banking services of commercial banks. Statistical data of PJSC Trustbank and JSC Turonbank have been used to determine the forecast indicators. The forecast was made until March 2026, and the indicators were transferred to real figures.
This article examines the concept and essence of retail business, retail lending and retail customer service, the role and importance of the implementation of social packages of services in the development of the country's economy, the donation of local and international financial institutions and foreign banks in the formation of banking resources. Moreover, the role and importance of the development of lending to retail customers, which is significant for a commercial bank, are considered. The perspective of the development of retail banking lending and its role in the development of the country's economy is considered. Suggestions and recommendations for improving retail lending are given
The article examines the concept and essence of investment lending and project financing, foreign experience of banks in financing investment projects. It is known that financing large enterprises in the country contributes to GDP growth and sustainable economic development. Today, Uzbekistan pays great attention to improving the financial and banking sector, banks with a state share are on the way to privatization. International financial institutions such as the International Finance Corporation (IFC), the European Bank for Reconstruction and Development (EBRD) and the Asian Development Bank (ADB) are involved in the process of privatization of the banking sector. In this study, the possibilities of applying foreign experience in financing investment projects were studied
This article analyzes the issues related to increasing the efficiency of investments directed to Uzbekistan. The role of investments in the structure of the country's gross domestic product (GDP), their impact on economic growth, and their importance in economic diversification are examined. In addition, promising directions are proposed for improving the investment climate, effectively managing investment projects, and optimizing the economic outcomes derived from investments.
This article explores the role of fintech services in international financial markets, their development trends, and the emergence of innovative solutions driven by global experience. The author analyzes the role of fintech in the digital economy, highlighting regional characteristics (North America, Europe, Asia-Pacific, LAMEA) and the growing influence of companies like PayPal, Stripe, Revolut, and Ant Group. Based on statistical data, the article outlines key advantages of fintech services, such as speed, cost reduction, financial inclusion, and innovative product offerings. The conclusion emphasizes the future prospects of the fintech sector and the importance of cooperation between technological innovation and regulatory authorities.
The role and importance of foreign investments in the development of the national economy and the increase in innovative activity are revealed in the article, the principles of investment attraction are considered and illuminated, and the role of investment in the country's export and import is also applied in the data analysis.
The article examines the concept and essence of technical support, its role in evaluating promising projects, trends in the development of financing investment projects, issues of raising funds and factors influencing their timely development. The foreign experience of banks in attracting credit resources from international financial organizations has been studied. In addition, the possibilities of applying international experience in the field of technical evaluation of projects, ways of cooperation with international financial institutions such as the International Finance Corporation (IFC), the International Bank for Reconstruction and Development (IBRD), the European Bank for Reconstruction and Development (EBRD) and the Asian Development Bank (ADB) were considered.
