Direct or indirect regulation of the banking services market serves to prevent and minimize negative situations that may occur. Regulation and control of the market of banking services by the Central Bank will not only develop inter-bank competition in the country, but also create a basis for increasing the quantity and quality of banking services. From this point of view, the research and improvement of regulatory practices of the banking services market in the Republic of Uzbekistan is a factor of sustainable development of the banking system. In this article, the issues of regulation of the market of banking services in the Republic of Uzbekistan are studied and relevant recommendations are developed.

This article examines the concept of a banking ecosystem, the creation of a "banking ecosystem" as a modern model of international transformation processes in the activities of commercial banks in Uzbekistan and the processes of digital transformation of commercial banks. Is presented the role of the banking ecosystem in turning the banking industry into a kind of financial "supermarket" by radically changing the relationship between the bank and the client based on the organization of the banking ecosystem, increasing the prestige of the bank, rapid digitization of economic relations, expanding the offer of a wide range of banking and non financial services to customers.

The article studies formation of banking services, their role in the financial services market are theoretically studied in the article. Independent approaches to the scientific views of foreign and domestic scientists have been developed. Specific aspects of the innovative approach to the introduction of banking services are systematized. The principles that should be taken into account in the creation of banking services have been developed. Based on the principles, scientific proposals and recommendations aimed at the development of banking services have been developed.

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.

This article is considering expanding the scope of banking services of commercial banks operating in Uzbekistan. As part of the study, the author analyzed practical data from commercial banks. Based on the results obtained, existing problems in expanding the scope of banking services of commercial banks and developing proposals for their elimination were identified.

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 analyzes the role of CRM (Customer Relationship Management) systems in systematizing and increasing the efficiency of customer relations in the banking sector. The study explores mechanisms for enhancing competitiveness in the banking services market, strengthening customer loyalty, and providing personalized service delivery. Furthermore, scientific and practical proposals are provided regarding the challenges and solutions for implementing CRM technologies within the banking system of Uzbekistan.

This article examines the impact of Fintech technologies, automation processes, and the human factor on the efficiency of banking services. Based on the case of commercial banks in Uzbekistan, the study analyzes digital transformation processes and compares them with international practices. The findings indicate that Fintech automation, when combined with strong human capital, significantly increases service speed, accuracy, and customer satisfaction. The paper also proposes a “human–technology balance model” as a new conceptual approach to enhancing efficiency in the banking sector.

This article analyzes the implementation of artificial intelligence technologies in commercial banking, examining their impact on operational efficiency, credit risk assessment, and customer service systems. International best practices were compared with the current state of the banking sector in Uzbekistan. The findings indicate that AI can reduce operational costs, enhance fraud-detection efficiency, and improve service speed; however, challenges related to data quality, algorithmic transparency, and cybersecurity remain. The study provides policy recommendations and practical measures to address these issues and to improve the effective integration of AI in banking operations.

The article examines in detail the banking services provided by commercial banks
in Uzbekistan, analyzed on the basis of practical data. As a result of the conducted research, existing problems were identified and proposals for their elimination were developed.

This article analyzes the impact of financial technologies (FinTech) on the development of Uzbekistan’s financial system. It is argued that FinTech projects serve as an essential tool for improving financial inclusion, enhancing service efficiency, and boosting economic productivity through digital payments, mobile banking, and microcredit services. The discussion is based on statistical data, international practices, and national legislation, highlighting the future potential of FinTech in the country.

This article discusses the ways of developing Islamic banking services in the activities of commercial banks and member countries of the Islamic Development Bank (IDB) group, as well as an analysis of existing problems and improving development prospects. The article also presents the existing problems in the prospects for developing the use of Islamic banking services in the activities of commercial banks of the Republic of Uzbekistan, as well as the author's approaches and proposals for their elimination.

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.

The article examines the practical significance of artificial intelligence (AI) technologies in transforming and enhancing the efficiency of the service sector at both global and national levels. Based on an analysis of international research and statistical data, it is demonstrated that AI contributes to process automation, optimization of business models, and personalization of customer experience. Particular attention is given to the experience of Uzbekistan, where the implementation of AI is considered a key element of the state program “Digital Uzbekistan – 2030.” The paper presents examples of successful AI integration in the banking sector, healthcare, education, and tourism, and identifies institutional challenges and prospects for further development

The article examines the current trends in the digitalization of the banking sector, focuses on the analysis of international experience and the specifics of the introduction of digital technologies in Uzbekistan. Examples of successful transformation of banks such as Tinkoff Bank, WeBank and Monzo are given, which demonstrate the effectiveness of using mobile applications, artificial intelligence, blockchain technologies and CRM systems. The prospects for the development of Kapitalbank in the context of digitalization, including the introduction of new technologies, improving customer service and strengthening information security, are studied. Based on the analysis, recommendations are proposed to accelerate the digital transformation of the banking system of Uzbekistan, taking into account national characteristics and international experience.

The article examines the processes and challenges of transitioning Uzbekistan’s banking system to International Financial Reporting Standards (IFRS). The adoption of these standards, which are critical in the context of global economic integration, ensures the transparency, comparability, and reliability of financial reporting. In the Republic of Uzbekistan, the transition to IFRS is a vital component of economic reforms aimed at integrating banks into international financial markets and enhancing investor confidence. However, this process is accompanied by challenges, including the adaptation of the regulatory framework, training of qualified personnel, and development of information technology infrastructure. The article analyzes the key issues, challenges, and prospective solutions related to this transition.

In this article, in the context of the transition to a digital economy, an analysis of the importance of digitization processes of the economy of our country, the application of digitization in banking activities, positive and negative aspects, scientific-theoretical views of foreign and domestic factors, an indicator of the use of digital tools of the population was carried out.

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

This article analyzes the current state of the financial markets of countries such as Malaysia, Indonesia, and Bangladesh, which operate in a dualistic financial system by integrating the alternative financial system into the conventional financial system. In particular, this article focuses on a comparative analysis of the participation of Islamic and conventional banks in the financial markets of Malaysia, Indonesia, and Bangladesh, examining the state of financing of the production and service sectors, attracting investments, and other types of service activities. This study mainly uses a quantitative approach.

The article examines the methodological aspects of digital transformation and its impact on the industrial sector, the service sector, including the banking sector. The necessary development paths for the creation of an internal integrated model for transforming the economy through the redirection of exports and taking a leading position are noted. The need for state support for the digitalization of the economy was emphasized. The problems arising in the process of large-scale digital transformation for the economic system and society are analyzed separately.

An Islamic window is a separate branch, department or subsidiary of a bank operating under the principles of Islamic finance under traditional banks. The Islamic branch mainly operates in conditions where there is no legal basis for the activity of an Islamic bank, subject to any commercial bank within the framework of certain laws. We have analyzed about 25 articles on Islamic windows in this study. In the analysis, we mainly conducted a scientific research on the statistical analysis between the Islamic bank, the Islamic window and the traditional bank, their achievements, shortcomings and the quality of service and gave the necessary suggestions.

The problem of banking monopoly in the financial services markets is an important issue facing the economy of Uzbekistan. This problem is exacerbated by the problems of state participation in the formation of the capital of commercial banks, the lack of inter-industry competition between the securities market, etc. This article discusses some areas of work to overcome monopolism, provide conditions for the formation and development of fair competition in the financial services markets of Uzbekistan.