The article provides a comprehensive analysis of the institutional foundations and economic impact of digital transformation within Uzbekistan’s banking sector. It explores how the integration of advanced digital technologiessuch as mobile banking platforms, artificial intelligence (AI), blockchain and Big Data analyticshas reshaped the operational landscape of financial institutions in the country. The study highlights significant improvements in customer service delivery, transaction efficiency and financial product accessibility which have collectively enhanced financial inclusion, particularly among underserved populations. It also discusses the strategic role of public-private partnerships, including collaborations with fintech startups in accelerating innovation and expanding digital banking services.Furthermore, the article assesses the transition toward a cashless economy in Uzbekistan, emphasizing its implications for monetary policy and economic modernization.

Digital transformation, banking sector, financial technology, fintech, mobile banking, artificial intelligence, AI, blockchain technology, Big Data analytics, cybersecurity, financial inclusion, cashless economy, digital infrastructure, public-private partnerships, regulatory environment, economic modernization.

Abdurakhmanova, G., & Xodjaraxmanova, N. (2023). Analysis of the impact of digital transformation in the banking sector of Uzbekistan on financial security. American Journal of Economics and Business Management, 8(4), 1438–1448. https://www.globalresearchnetwork.us/index.php/ajebm

Jumayev, B. R. (2025). Digital services: The impact of innovations in the banking sector of Uzbekistan on society. International Journal of Artificial Intelligence, 5(2). American Academic Publishers. https://www.academicpublishers.org/journals/index.php/ijai

Mamedova, G. K. (2023). The impact of digitization on the banking sector of Uzbekistan. Web of Scientist: International Scientific Research Journal, 4(5).

Самиева Г. Мирoвoй oпыт испoльзoвaния денежных и нaтурaльных трaнсфертoв в сoциaльнoм oбеспечении //YASHIL IQTISODIYOT VA TARAQQIYOT. – 2023. – Т. 1. – №. 11-12.

Самиева Г. Т. ВАЖНЫЕ АСПЕКТЫ НЕМЕЦКОГО ОПЫТА ВЫРАЩИВАНИЯ СЕЛЬСКОХОЗЯЙСТВЕННОЙ ПРОДУКЦИИ //Экономика и социум. – 2023. – №. 11 (114)-1. – С. 999-1002.