DIGITAL TRANSFORMATION IN COMMERCIAL BANKS AND ASSESSMENT OF ITS ECONOMIC EFFICIENCY
DOI:
https://doi.org/10.5281/zenodo.23594231Keywords:
commercial banks, digital transformation, fintech, economic efficiency, Cost-to-Income, digital banking, artificial intelligence.Abstract
This article examines the theoretical and methodological foundations of digital transformation processes in commercial banks and their impact on banks’ financial stability and economic efficiency. The key indicators used to assess the level of digitalization (ROI, Cost-to-Income ratio) are analyzed, and scientific proposals and practical recommendations for improving the efficiency of digital transformation in the banking system of Uzbekistan are developed.Downloads
References
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"Kapitalbank" JSCB financial statements and audit reports for 2023–2025.
Quarterly analytical data of the Central Bank of the Republic of Uzbekistan from the "Banking System Review" and on digital banking indicators (2025–2026).
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