Published April 15, 2026
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BANK AKSIYADORLIK JAMIYATLARIDA RAQAMLI TRANSFORMATSIYA VA MOLIYAVIY NATIJADORLIK: 2020–2024 YILLAR EMPIRIK TAHLILI
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Description
This article examines the empirical relationship between digital
transformation and financial performance using data from Turonbank, Asakabank, Ipoteka
bank and BRB bank for 2020–2024. Sustained growth of assets, loan portfolios, deposits
and return on equity validates the economic impact of digital channels and data-driven
management. The findings justify accelerating digital transformation to achieve sustainable
and inclusive financial development.
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