THE ROLE OF REMOTE BANKING SERVICES IN ENHANCING FINANCIAL INCLUSION IN UZBEKISTAN

Authors

  • Sharipov Tohir Mirakhimovich

DOI:

https://doi.org/10.5281/zenodo.22478287

Abstract

The article analyzes the development trends of remote banking services in Uzbekistan and their role in enhancing
financial inclusion. Changes in mobile banking services, bank cards, digital transactions, and payment infrastructure
during 2021–2025 are assessed, and the importance of remote channels in expanding access to banking services is
examined. In addition, the development of remote banking services is analyzed in relation to key indicators such as
access to financial services, the level of their actual use, and service quality. The study develops scientific proposals and
practical recommendations aimed at strengthening the contribution of remote banking services to improving financial
inclusion.

Keywords

financial inclusion, remote banking services, digital banking services, mobile banking, financial services, payment infrastructure, financial service usage

Author Biography

Sharipov Tohir Mirakhimovich

Chairman of the Supervisory Board of “Trustbank” Private Joint-Stock Bank
Doctor of Philosophy (PhD) in Economics

References

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Published

2026-09-01

How to Cite

Sharipov , T. (2026). THE ROLE OF REMOTE BANKING SERVICES IN ENHANCING FINANCIAL INCLUSION IN UZBEKISTAN. Innovation Science and Technology, 2(9), 20–25. https://doi.org/10.5281/zenodo.22478287
Vol. 2 No. 9 (2026): Innovation Science and Technology