FINTECH, AUTOMATION AND THE HUMAN FACTOR: A NEW BALANCE MODEL IN BANKING SERVICE EFFICIENCY
DOI:
https://doi.org/10.60078/2992-877X-2025-vol3-iss11-pp279-285Abstract
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.
Keywords:
fintech automation human capital banking efficiency digital transformation innovation sustainable developmentReferences
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