Prospects for remote banking services in commercial banks in the digital economy

Abstract

This article analyzes the importance, current state, and future prospects of remote banking services in commercial banks under the conditions of a digital economy. The study highlights digital transformation processes in Uzbekistan’s banking sector, including the use of internet and mobile banking, online payment systems, and digital identification technologies. The advantages of remote services such as customer convenience, reduction of operational costs, and increased financial inclusion are also discussed. Comparative analyses with international experience are conducted, and recommendations for further digitalization of banking services in Uzbekistan are proposed. The findings show that expanding remote banking services is a key factor in ensuring financial stability, increasing the customer base, and enhancing the competitiveness of banks.