Published April 15, 2026 | Version v1
Conference paper Open

BANK AKSIYADORLIK JAMIYATLARIDA RAQAMLI TRANSFORMATSIYA VA MOLIYAVIY NATIJADORLIK: 2020–2024 YILLAR EMPIRIK TAHLILI

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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