WAYS TO IMPLEMENT INNOVATIVE TECHNOLOGIES IN THE DEVELOPMENT OF DIGITAL BANKING SERVICES

In the context of the digital economy, the speed, convenience, and security of banking services are among the important factors determining the competitiveness of the financial system. Mobile applications, remote identification, artificial intelligence, and instant payment technologies are transforming the relationship between banks and customers. The purpose of this thesis is to analyze the development of digital banking services in Uzbekistan based on official indicators for 2025 and to develop practical proposals for the implementation of innovative technologies. According to the Central Bank of the Republic of Uzbekistan, as of January 1, 2025, the number of users of remote banking service systems amounted to 52,917,166. Of these, 51,455,447 were individuals, while 1,461,719 were legal entities and individual entrepreneurs. This indicator represents the total number of users across banks, and it would be incorrect to interpret it as the number of unique individuals, since one custo