In recent years, the banking sector has undergone a large-scale digital transformation. The development of digital technologies, changing customer needs and increasing competition are shifting traditional banking systems towards digital models. This article analyzes the main trends, technological trends and strategic challenges of digital banking on a global and national scale. In particular, the expansion of mobile and online banking services, the emergence of neobanks, the principles of open banking, the role of artificial intelligence and blockchain technologies in banking practice will be highlighted. At the same time, the strategic challenges faced by banks will be discussed – cybersecurity, regulatory compliance, human resources, maintaining customer trust. The article also examines the state of digital transformation in the banking sector of Uzbekistan, the experience of cooperation with fintech companies and the achievements and challenges of the transition to the digital economy. The summary of the article emphasizes the need for recommendations for the successful digital transformation of banks, namely the need for rapid implementation of technological innovations, security and customer-oriented approaches.

Digital Banking, Fintech, Artificial Intelligence

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